Founder at Orcam Financial Group, LLC

Mr. Roche is the founder of Orcam Financial Group, LLC, a low fee financial services firm based in San Diego, CA as well as the founder of the popular financial website Pragmatic Capitalism. 

Orcam Financial Group, LLC is a low fee ... more

ALL CONTRIBUTIONS

My View On ESG Investing
We know that the more-active average investor must, by definition, earn a lower average return than the less active average investor. And ESG is more-active investing.
Read
Is Value Investing Dead?
There’s been a lot of chatter in recent years about the underperformance of value vs growth. This has led some people to declare that value is dead. But is it?
Read
Four Fings I Fink I Fink
Aggregate global living standards are higher than they’ve ever been. And even in the USA, where the improvements in living standards are slowing, there is still no better time to be born an American than today.
Read
When “Bonds” Aren’t Bonds
In finance and economics, we tend to use oversimplified terms like “money” and “bonds” when the reality is that it’s important to be more nuanced in understanding these terms.
Read
The Longest Recovery Ever – Does It Matter?
Today officially marks the longest recovery in US economic history. At 121 months the 2008-2019 expansion officially overtakes the 1991-2001 expansion.
Read
My View On: Student Debt Forgiveness
The student loan market is $1.6T spread out over 44MM people. That’s an average balance of ~$36K and a median balance of ~$19K.
Read

STOCKS I FOLLOW

AA Alcoa Inc.
AAPL Apple Inc.
ADRU BLDRS Europe 100 ADR Index Fund
AIG American International Group Inc
BEAT BioTelemetry, Inc.
BP BP p.l.c.
CBS CBS Corporation
COIN Converted Organics Inc.
COPX GLOBAL X COPPER MINERS ETF
CS Credit Suisse Group AG
CSCO Cisco Systems Inc.
CSX CSX Corporation
CU First Trust ISE Global Copper Index Fund
DBC PowerShares DB Commodity Index Tracking Fund
DIA SPDR Dow Jones Industrial Average
DXBBF DEXIA STRIP VVPR
ETN Eaton Corporation
EUFN iShares MSCI Europe Financials Sector Index Fund
EWD iShares MSCI Sweden Index Fund
EWG iShares MSCI Germany Index Fund
EWJ iShares MSCI Japan Index Fund
EWP iShares MSCI Spain Index Fund
EWZ iShares MSCI Brazil Index Fund
FB Facebook Inc
FDX FedEx Corporation
FNFG First Niagara Financial Group Inc.
FXE Euro Currency Trust
FXI iShares China Large-Cap
GE General Electric Company
GLD SPDR Gold Trust ETF
GS Goldman Sachs Group Inc.
HBAN Huntington Bancshares Incorporated
HLF Herbalife Ltd.
IEF iShares Lehman 7-10 Year Treasury Bond Fund
INTC Intel Corporation
IYR iShares Dow Jones U.S. Real Estate Index Fund
IYT iShares Dow Jones Transportation Average Index Fund
JJC iPath Series B Bloomberg Copper Subindex Total Return ETN
JPM JPMorgan Chase & Co.
KBE SPDR Series Trust
KBH KB Home
KME SPDR Series Trust
LOW Lowe's Companies Inc.
MS Morgan Stanley
NFLX Netflix Inc.
OILB iPath B S&P GSCI Crude Oil TR ETN
PSI PowerShares Dynamic Semiconductors Portfolio
REZ iShares FTSE NAREIT Residential Index Fund
RTH Market Vectors Retail ETF
SCHW The Charles Schwab Corporation
SEA Guggenheim Shipping ETF
SLV iShares Silver Trust
SLX Market Vectors Steel Index Fund
SPY SPDR S&P 500
STT State Street Corporation
TLT iShares Lehman 20+ Year Treasury Bond Fund
UGA United States Gasoline Fund LP
UPS United Parcel Service Inc.
UUP PowerShares DB US Dollar Index Bullish Fund
VXX iPath S&P 500 VIX Short-Term FuturesTM ETN
XHB SPDR S&P HMBLDRS IDX FND
XLF Financial Select Sector SPDR
XRT SPDR S&P RETAIL ETF
Load More

TWEETS

LATEST ACTIVITY

Redemption was just posted to Cullen Roche's personal blog.
All Posts

PERSONAL BLOG

Latest Posts
Three Things I Think I Think – Don’t Piss In My House
Here are some things I think I am thinking about...
Redemption
Everyone deserves second chances in life including Tiger Woods win The Masters today. The obvious investing corollary here is that good investing is always the process of incremental progress by learning from mistakes.
The Economics Of Le’Veon Bell’s NFL Gamble
The Le’Veon Bell drama has created some financial excitement in the NFL.
A Peaceful Pain
When you get fairly good at running you reach a point where you achieve what I would describe as a “peaceful pain”.

Work Experience

Founder
Orcam Financial Group, LLC
October 2012 - Present (6 years 11 months)

Orcam Financial Group is a financial services firm offering research, advisory, consulting and educational service

Founder
Pragmatic Capitalism
January 2009 - Present (10 years 8 months)
Founder & CEO
Orsus Investments, LLC
May 2005 - September 2012 (7 years 6 months)
Financial Advisor
Merrill Lynch
August 2003 - May 2005 (1 year 10 months)

Financial Advisor with the Goetzman Group in Alexandria, VA managing nearly $500 million in total client assets.

Education

Georgetown University - The McDonough School of Business
BS/BA
1999 / 2003
Finance

Publications

Pragmatic Capitalism: What Every Investor Needs to Know About Money and Finance
Cullen Roche
St. Martin's Press
07/08/2014

Being successful in the modern world of finance requires a more in-depth understanding of our global economies on a macro level. What does a shifting demographic cycle mean? How does the explosive growth of emerging markets matter? Why does the world's population affect my portfolio? Does the global monetary system impact my results this year? How does govt intervention in markets impact my strategy? In Pragmatic Capitalism, Cullen Roche explores how our global economy works and why it is more important now than ever for investors to understand macroeconomics. Roche combines his expertise in global macro portfolio management, quantitative risk management, behavioral finance, and monetary theory to explain to readers how macroeconomics works and provides insights and suggestions for getting the most out of their investment strategies. This book uncovers market myths and explains the rise of macroeconomics and why it impacts the readers' portfolio construction.