Richard Rupp was born in Santa Monica, California, and grew up within 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, and the love of his life Coleen, split their time between Los Angeles and Palm Desert, California. Coleen encourages Dick's passion for writing, and serves as the primary editor for his creative endeavors.