Bachelor of Science in Business Administration, University Arkansas, Fayetteville, 1967. Postgraduate, University Michigan, 1976.
Executive vice president UMIC, Inc., Memphis, since 1966, also director.
Member of National Association Security Dealers (chairman since 1985).
Married Sarah Gayle Ricks (divorced April 1978). Children: Natalie Ross, Clifton Michael Junior, Justin Andrew. Married Jean Price, August 14, 1978.