About Us
A lifetime of financial confidence starts with a plan. Our team is made up of experienced planning professionals to assist you with creating a comprehensive plan that includes risk transfer strategies, how your assets are going to be taxed at contribution, growth, and distribution, and is designed to ensure your loved ones are taken care of when you’re gone. You need a plan that addresses inflation, volatility, interest rates, and taxes.
These plans are built around the three most important phases of wealth management - accumulation, distribution, and transfer.
3 Buckets
We take your assets and break them up into 3 distinctive buckets of money. Each bucket will play a different, yet vital role in your overall plan.
LIQUID RESERVES
Cash | Savings | CDs
Incorporates your liquid reserves with two primary objectives. It enables you to take withdrawals in a down market so that your investable assets are not negatively impacted, and it provides peace of mind in case an urgent financial matter arises.
LIFESTYLE INCOME
Social Security | Pensions
Additional Income Sources
Refers to your lifestyle income. The goal of this bucket is to help ensure you can continue to live the lifestyle you want live without having to worry about being impacted by influences outside of your control.
INFLATION PROTECTION
Stocks | Bonds
Mutual Funds | ETFs
Real Estate
The long-term, diversified portfolio utilizing our risk transfer strategies to help you outpace inflation, and potentially grow your assets.
4 Tax Quadrants
There are three phases to every investment: the contribution phase, the growth phase, and the distribution phase. The 4 tax quadrants determine how the asset will be taxed during each phase of the investment. We can help to determine which of the 4 quadrants is right for you based on your personal goals and objectives.
5 Strategies
There are 5 ways we accomplish this.
Lifestyle Income
We look at your current sources of income, and identify what is guaranteed and non-guaranteed, and complete a plan designed to achieve your lifestyle goals and objectives.
Wealth Management
We’ll utilize the following multiple risk transfer strategies within your portfolio designed to empower you to be financially confident to live the lifestyle you want to live.
- Asset allocation: we use different asset classes to help reduce overall portfolio risk with an active, strategic approach.
- Different styles of money management: We incorporate several different styles of money management designed to ensure your investments are protected against a wide variety of market risks.
- Hedge approach: our hedge approach focuses on purchasing a level of protection to help ensure a percentage of principal is protected before the next market correction happens.
Asset Location Planning
Our asset location planning process creates efficiencies to reduce taxes when it matters most by diversifying the locations of your investments as you accumulate, distribute, and transfer your assets.
Family Protection
We’ll work closely with you to establish a plan so that you and your family are protected in the event that you are not able to fill all three buckets.
Wealth Transfer
The goal of wealth transfer is to have a plan in place detailing how your assets should be managed and distributed for generations to come.
Dillan Micus
Owner/CEO
Dillan Micus is the owner & CEO of 345 Wealth Management, a financial services firm focused on guidance and comprehensive, detailed planning around the three most important phases of wealth management. Dillan has created and built out several businesses and concepts under the 345 Wealth Management umbrella, and prior to founding 345 Wealth Management in 2022, served as the Executive Vice President of his current broker-dealer, now Equitable Advisors. During his tenure, Dillan grew the branch from a few hundred million dollars of assets placed under management, to $3 billion dollars in assets placed under management while recruiting, retaining, and supervising some of the best and brightest talent in the market. CA Insurance Lic. #0D37828
Patrick Kearns
Owner/President
Pat is the President and Co-Founder of 345 Wealth Management. He most recently served as Senior Vice President of the Southwest Branch of Equitable Advisors, an office which housed over 100 advisors and collectively managed $3 billion in assets. With over 20 years of experience in the financial industry, Pat was able to take his time as an advisor and as Senior Vice President to compile what he believes are the best ideas in the industry. This led to the creation of 345 Wealth Management, with a goal of creating a detailed plan for each phase of life, so his clients can do more of what they love. CA Insurance Lic. #0E65259
Ali Grefsheim
Chief of Staff
Alison “Ali” Grefsheim is the Chief of Staff of 345 Wealth Management. She manages all projects from start to finish, oversees general day-to-day operations, and ensures smooth integration of all processes developed by the firm. Ali began working with 345 owner and CEO, Dillan Micus, as his executive assistant in 2018, and since the firm’s launch in spring of 2022 has been promoted to the executive leadership team.
Brady Schneider
Chief Operations Officer
Brady Schneider is the COO of 345 Wealth Management. Brady joined the firm in advance of its formal launch Spring 2022. Prior to joining 345 Wealth Management, Brady worked for Equitable Advisors Southwest since 2007, most recently as senior manager of branch operations where he directed more than 100 associates, providing support for service, new business, and commission related issues, and ensuring company-wide goals and operational standards are met.
