Thanks Colin. Since I am pretty new to all of this, it is hard for me to be sure what is common knowledge and what isn't. Often times things that are really easy to do don't get talked about much, and then I end up trying to adapt a more complex method, only to find the easy method later. Anyway, I had found the chr(149) trick in my google searches (including your post), but it didn't quite perform as I had hoped. With this method, entering a new line doesn't create another bullet. I suppose I could create more code to do that, but I didn't want to make things too complicated and generate errors.
Anyway, I ended up digging a little more and found that in Access "Rich Text" is not really Rich Text, it is formatting using html tags. Here is the discussion that I found most valuable on the topic:
https://stackoverflow.com/questions/...google_rich_qa
I simply entered "<ul></ul>" in the default value for the field in the table (I suppose you could do this on the form level) and voila, exactly what I wanted.