Josephine M. Culbertson, also known as J. M. Culbertson, was an American landscape painter and etcher. She was a co-founder of the Carmel Art Association located in Carmel-by-the-Sea, California. Culbertson's dedication to the arts extended to her involvement in various clubs and associations, such as the Carmel Boys' Club and the Dicken's Club, where she fostered artistic growth and camaraderie among fellow artists.

The Carmel Art Association (CAA) is a Not-for-profit arts organization and gallery located in Carmel-by-the-Sea, California. The CAA is Carmel's oldest gallery. It features the work of many local artists living on the Monterey Peninsula. Many of its members were early California artists. The CAA is a 501(c)(3) organization. CAA was recorded with the National Register of Historic Places on May 10, 2002.