Richard Rupp was born in Santa Monica, California, and grew up in a Hollywood movie industry family. His business career led him to the commercial insurance industry, where he became an executive that specialized in developing new insurance products and risk financing concepts. His forte was research, writing, and designing risk management and risk funding products to be used by major corporations. His position allowed him to travel the world with frequent trips to London, and Bermuda. Dick, splits their time between Los Angeles and Palm Desert, California.