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Joe is a Founding Partner of Pensam, where he leads the firm’s risk committee and leverages his extensive experience to support and participate in capital market activities.

Previously, Joe was a partner at Cidel Financial Group (CFG), a Canadian-based financial organization managing over USD 20 billion across various global asset management and trust companies. He also served as Vice President at Merrill Lynch in New York from 1994 to 2000, gaining comprehensive experience working with both private and institutional clients in credit products.

In addition to his professional endeavors, Joe is deeply involved in community organizations and philanthropic initiatives. He currently serves on the boards of The Greater Miami Jewish Federation—where he previously chaired the International Division—and the Michael-Ann Russell Jewish Community Center.

Joe holds a Bachelor of Science in Finance from Bentley University in Waltham, Massachusetts.

jackerman@pensamcapital.com

Michael is a Founding Partner of Pensam.

With over 30 years of experience in the commercial real estate investment and structured finance sectors, Michael has been involved in over $10 billion of equity and debt real estate transactions.

Prior to founding Pensam in 2009, Michael was a partner in Miami-based Aztec Group, which invested in commercial, multihousing, and hospitality transactions. He began his real estate career in 1990 with CB Richard Ellis in Miami.

Michael is an active member of leading industry groups and councils such as the Urban Land Institute (ULI), National Multifamily Housing Council (NMHC), CRE Finance Council (CREFC), Mortgage Bankers Association (MBA) and American Seniors Housing Association (ASHA). In addition to his business leadership, Michael is active in local and national community organizations and philanthropic causes. He was past chair of the Greater Miami Jewish Federation Commerce and Professions division, a member of the collector’s council at the Miami Art Museum, a Patron of the Contemporary Art Museum in Miami and a Founder of Mount Sinai Medical Center. Michael is on the Board of Directors of The Great Lakes Group, a Cleveland, Ohio based maritime company.

Michael holds a Bachelor of Science degree in business administration from Skidmore College and is an alum of Harvard Business School.

mstein@pensamcapital.com

Gavin is the Founding Partner and CEO of Pensam Group, where he leads the firm’s strategic vision and oversees its daily operations.

Before founding Pensam, he was a partner at Cidel Financial Group, helping expand its global financial services portfolio exceeding $20 billion in assets. He began his career with Arthur Andersen in Cape Town, South Africa, before transitioning into private equity in New York.

Gavin is actively involved in the community and philanthropic efforts. He serves on the boards of Gulliver Prep, the Health Information Project (HIP) and is also an active member of YPO.

He holds a Bachelor of Commerce and a postgraduate degree in Accounting from Rhodes University and is a qualified Chartered Accountant.

gbeekman@pensamcapital.com