Our Team • Your Mission

CLIFF MICHAELS | Broker • Consultant • NY Times Bestseller • Social Entrepreneur

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, career, and business transactions. Cliff was Past President of the Young Entrepreneurs Organization Los Angeles (YEO/EO), a peer-to-peer network for founders & leaders in 120+ chapters & 60+ countries. He is also an original member of the Ed-Tech Cohort at USC’s Rossier School of Education and been a featured speaker on Creative Thinking & Entrepreneurship at USC, UCLA, Royal Roads Academy, and TEDx LA Imagine-Week. Passionate about raising the bar for global learning, Cliff provides a Masterclass of live and e-learning programs (Life & Biz 101) plus a network of coaches & facilitators for students, leaders, educators, and entrepreneurs worldwide.



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.