Begun in 1989 as a sole proprietorship and incorporated in 1999, Retirement Planning & Management Group (RPMG) is a fee-only registered investment advisor that assists individuals to plan and manage their retirement from full-time employment. A separate service of RPMG, LTC Crisis Solutions, assists elderly and disabled individuals to secure Medi-Cal benefits to pay for extended nursing home care. Robert Cullen, president of RPMG, does not provide securities services nor investment management through RPMG. However, Mr. Cullen, as a registered principal of LPL Financial, a national securities broker dealer and member FINRA and SIPC, provides asset management services and access to securities and insurance products.