Our Team • Your Mission

CLIFF MICHAELS | Consultant, Entrepreneur, NY Times Bestseller

Mr. Michaels is a social entrepreneur, consultant, NY Times Bestseller, and Founder of companies in finance, real estate, education, and technology. Launched in 1992, Cliff Michaels & Associates has brokered & consulted 1000s of clients on real estate, mortgage, and business transactions. Cliff was Past President of the Entrepreneurs Organization Los Angeles (YEO/EO), a global peer-to-peer network for business leaders in 120 chapters / 60+ countries. He is also a member of USC’s Cohort for Edu-Tech Entrepreneurs at the Rossier School of Education. Cliff has been a featured speaker on education and entrepreneurship at USC, UCLA, Royal Roads Academy, and TEDx LA Imagine-Week. Cliff also provides FREE tools, e-courses & strategies for students, schools, and start-ups in need, and has served for profit Director boards on non-profits and for-profits worldwide. Cliff’s Full Bio Here.

ARNIE GARFINKEL | Income Property Lending & Consulting

Mr. Garfinkel has been a strategic advisor to Cliff Michaels & Associates over 25 years. He founded Income Property Lending (IPL) in 1995, originating transactions from $500,000 to $100,000,000 on commercial property ranging from Apartments, Industrial, and Mixed-Use, to Office, Retail, Hotel and Hospitality. Mr. Garfinkel is Founder of the Income Property Lending Conference (IPLC) and consults firms that need to establish commercial lending divisions. He was also VP of Commercial Real Estate Lending for Pacific Thrift and Loan, VP/Sales Manager of Foothill Thrift & Loan, and a Principle of United Commercial Credit Industries (UCCI). Mr. Garfinkel has been a featured speaker for the National Association of Mortgage Brokers, California Mortgage Bankers Association, Building Industry Association, and American Industrial Realtors Association.