Bachelor of Science, Michigan State University, 1973; Master of Business Administration, Wayne State University, 1980.
Real estate manager, The Kroger Company, Livonia, Michigan, 1973-1978; vice president, Ramco-Gershenson Inc., Farmington Hills, Michigan, 1978-1985; president, Ludwig and Karas Inc., Farmington Hills, since 1985. Vice president TriVest Management Group Inc., Farmington Hills, since 1990.
Board of directors Cattleman's and Meats Inc., Detroit. Member International Council Shopping Centers, Potomac Club (board directors, vice president since 1992).
Married Nancy Ellen Matusz, September 23, 1973. Children: Daniel Steven, Lauren Nicole.