Julie Arvo MacKenzie has more than 35 years of business transactions experience.

Julie provides counsel to corporate management and boards of directors on legal matters and business issues involving project financing for health facilities, charter schools, universities, governmental entities, senior living and multifamily housing. She also advises on a variety of complex business transactions, such as tax-exempt bond issuance, bank loans, lease-purchase structures, debt refinancing and bond defaults. Her clients range in size and scope from large national healthcare systems and leading higher education institutions to local health and social service providers and cultural organizations.

A respected advisor and counsel to nonprofit organizations and political subdivisions, Julie skillfully assists clients in navigating the often-perplexing steps involved in bond transactions. She understands her clients have a business to run and that debt financing is only one of the challenges they face. She has extensive knowledge of all aspects of tax-exempt bond issuance, including disclosure, compliance, corporate governance, equipment leasing, governmental authority and debt restructuring. During her career, Julie has represented virtually every type of financing participant (borrowers, issuers, lenders, developers, underwriters and trustees).

Before rejoining us, Julie worked at a large regional law firm and a Phoenix law practice. She also served as in-house counsel for a healthcare conduit bond issuing authority, where she focused on her passion for providing client-friendly service.

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  • Served as bond counsel for a multistate university system and assisted in restructuring its debt portfolio, including in connection with the creation of a master trust indenture and intercreditor agreements.
  • Represented an Arizona community development corporation in its purchase of nine apartment buildings from various real estate investment trusts, which resulted in a substantial increase in the number of affordable housing units in the Phoenix metropolitan area.
  • Served as borrower counsel to a large national healthcare system on numerous tax-exempt bond issues totaling over US$1.5 billion to finance a variety of acquisitions, construction and infrastructure projects.
  • Assisted the trust department of a national banking association with its duties under an indenture of trust involving the dissolution of a defaulted single-family mortgage revenue bond program and the hundreds of corresponding home mortgages.
  • Helped to successfully complete the first issuance in Arizona of tax-exempt bonds for a federally qualified health center that financed the rehabilitation and repurposing of a long-time abandoned building in central Phoenix for use as a community health center.
  • Chaired the board of directors of a local nonprofit serving the social needs of the vulnerable during a period of enormous transition and growth that expanded its programs to improve the health and wellbeing of the community.


  • University of Michigan Law School, J.D., cum laude, 1987
  • University of Michigan, Bachelor of Arts, 1983


  • Arizona, 1987

Memberships & Affiliations

  • HonorHealth – board of directors, 2013 to present
  • Desert Mission – board of directors, 2006 to present; chair, 2013 to 2016
  • Arizona Women Lawyers Association – Maricopa Steering Committee, 1998 to 2012; 2015 to 2016
  • National Association of Bond Lawyers, 1987 to present
  • Recognized in The Best Lawyers in America in the field of Health Care Law in Phoenix, AZ, since 2001
  • Selected for inclusion in 2024 AzBusiness Leaders
  • AV rated by Martindale-Hubbell Peer Review Ratings
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