Cullen joined ALM First Financial Advisors in 2003. As a financial advisor for the firm, his primary responsibilities include reviewing clients' asset/liability portfolios, as well as designing and executing financial strategies that provide the best value proportional to each client's desired risk profile.
Cullen has lengthy experience in trading and investment portfolio management. He also has had extensive interaction with the secondary market, including mortgage-loan origination, production, funding and hedging.
Before joining ALM First, Cullen was a bank portfolio manager and trader, responsible for a $4 billion mortgage-backed security portfolio. In this position, he researched, analyzed and executed trades involving mortgage-backed, pass-through securities, as well as collateralized mortgage obligations. Additionally, he hedged the portfolio on a monthly basis to ensure compliance with regulatory guidelines, and planned and forecasted balance-sheet strategies based on various interest-rate scenarios. Prior to serving as a portfolio manager for the bank, he managed its liabilities and all borrowings with a focus on reducing the cost of funds.
Adam joined ALM First Financial Advisors in 2013. As a financial advisor for the firm, he is primarily responsible for developing objective ALM and investment strategies appropriate for client risk profiles. He also designs 'what-if' analyses to test client balance sheet exposure to various scenarios and formulates suggested action plans to maximize client performance within preset risk parameters.
Prior to joining ALM First, Adam was a vice president with Wells Fargo Securities, LLC, where he was responsible for structuring and marketing interest rate derivative products to energy and real estate clients.
Scott joined ALM First Financial Advisors in 2013. As a financial analyst, he performs asset liability analyses for financial institutions, various 'what-if' analyses, budget forecasting, liquidity forecasting and mortgage servicing rights (MSR) valuations.