Creative Financing for Public Private Developments

Ray Garfield: Veteran On the Move

This episode of Veteran On the Move features Joe Crane interviewing Navy veteran Ray Garfield, Chairman and Co-Founder of Garfield Public/Private LLC. Ray graduated from the Naval Academy and served as a Naval Aviator before an injury forced him to transition out of the military. He leveraged his skills by landing a recruiting role at Electronic Data Systems under Ross Perot. Ray’s ambition led him to pursue a career in real estate, where he built and eventually sold a successful company. The episode dives into the diverse opportunities within the real estate industry, and how Ray’s skills have evolved throughout his career. Listen in to learn how Garfield Public/Private LLC uses innovative financing solutions to bring hotels, convention centers, and other large-scale projects to life in cities across the country.

Episode Resources: 

Garfield Public/Private


About Our Guest   

As Chairman and Co-Founder of Garfield Public/Private LLC, Ray Garfield focuses primarily on leading the financing and legal team to engineer creative financing structures and secure capital for public/private developments. Ray is a 1966 graduate of the United States Naval Academy where he was on the football and track teams. After graduation, was commissioned as an Ensign in the Navy and served as a Naval Aviator. As a veteran with leadership experience both in the military and in the business world (running a development partnership alongside his son), Ray can give great insight into how a career in the military prepared him for entrepreneurship and his current role at Garfield Public/Private.


Join the conversation on Facebook!

Check out Veteran on the Move on Facebook to connect with our guests and other listeners. A place where you can network with other like-minded veterans who are transitioning to entrepreneurship and get updates on people, programs and resources to help you in YOUR transition to entrepreneurship.


About Our Sponsors

Navy Federal

Navy Federal Credit Union  

Becoming a member at Navy Federal Credit Union could help you earn more and save more. Their certificate options could earn you more than standard savings accounts with competitive rates. Not all financial institutions offer you as many choices for savings options as Navy Federal does. For example, you could start your savings journey with a low minimum deposit, add money at any time and watch your savings GROW! Thanks to flexible terms, you can use Navy Federal’s savings options for all kinds of goals—short or long-term.

Considering a big home improvement project? Maybe you want to consolidate debt? You could borrow up to 100% of your home’s equity with a Fixed-Rate Home Equity Loan with ZERO closing costs, or easily borrow as you go with a Home Equity Line of Credit. BOTH options could help make life’s big expenses seem more manageable.

To learn more, visit

At Navy Federal, our members are the mission.   



Every year, both the number and scope of data breaches worldwide are rising. According to the 2022 Annual Data Breach Report by the Identity Theft Resource Center, the number of victims has gone up nearly 41.5% from 2021. These data brokers aggregate your personal information including your names and aliases, Social Security number, login credentials, home address, location history, online activity, and much more.  In a nutshell, your personal information is being sold or published online without you even knowing about it.

The good news is that you have the right to protect your privacy and request that data brokers delete the information they hold about you. The bad news is that it would take you years to do it manually, just once. And you’d need to repeat the process every few months as data brokers continue collecting your data and creating new records.

Incogni reaches out to data brokers on your behalf, requests your personal data removal, and deals with any objections. If you want incogni to go to work for you go to And Use the code veteran at check out to get an exclusive 60% off an annual subscription.


Want to be our next guest? Send us an email at 

Did you love this episode? Leave us a 5-star rating and review! 

Download Joe Crane’s Top 7 Paths to Freedom or get it on your mobile device. Text VETERAN to 38470.

Veteran On the Move podcast has published 500 episodes. Our listeners have the opportunity to hear in-depth interviews conducted by host Joe Crane. The podcast features people, programs, and resources to assist veterans in their transition to entrepreneurship.  As a result, Veteran On the Move has over 7,000,000 verified downloads through Stitcher Radio, SoundCloud, iTunes and RSS Feed Syndication making it one of the most popular Military Entrepreneur Shows on the Internet Today.


Leave a Comment

A you a veteran

in transition?

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do