About Us
345 ISN’T JUST OUR NAME -
IT’S OUR STRAIGHTFORWARD PROCESS
and the comprehensive plan that helps to empower our clients to build personalized strategies today designed to allow them to cross the bridge to financial security tomorrow. Let us introduce you to our 3-4-5 process.
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.
Strategic: Our strategic approach builds on traditional asset allocation by diversifying across asset classes to reduce investment risk. The difference is we don’t simply buy and hold—we take a more active, strategic approach designed to adapt to changing markets and protect your portfolio through every cycle.
Tactical: Tactical money management is a more forward-looking, and more defensive style of asset management. Our tactical managers have the autonomy to make substantial allocation shifts based on market and economic conditions, with the primary objective being to avoid considerable loss.
Hedge: Our hedge approach is designed with types of investments that offer a layer of downside principal protection with potential for market upside in our clients' portfolios. These strategies are designed to provide financial confidence when the next market correction happens. This helps ensure they will be able to maintain their lifestyle, regardless of events that they cannot control
Alternative: Alternative investments provide access to opportunities outside traditional markets—such as private credit and real estate—that typically move independently of stocks and bonds. By incorporating alternatives, we can enhance diversification and help reduce overall portfolio risk and volatility.
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 work closely with you to establish a plan so you and your family are protected and your financial goals stay on track.
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, working to ensure that someone else doesn’t make those decisions for you.
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 former broker/dealer Equitable Advisors Southwest joining in 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.
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.
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 former broker-dealer, 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 former broker/dealer 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
Tommy Goers
Director of Client Services
Tommy heads the client service department and has been working with the team for the past 3 years. He has a keen focus on delivering exceptional client experience and has a deep commitment to ensuring every client interaction is handled with care. Tommy is an Alumnus of Arizona State University, Barrett, The Honors College and enjoys spending their free time skiing, riding motorcycles or teaching drumline.