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.
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.
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.
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.
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.
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.
Tax QuadrantsPlease be advised that this brochure is not intended as legal or tax advice. Accordingly, any tax information provided in this brochures is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) of matter(s) addressed, and you should seek advice based on your particular circumstances from an independent tax advisor.1: Tax treatment of distributions can vary.2: All return of principal plus after-tax earnings are non-taxable.3: Contributions to a Roth IRA for at least 5 years and the withdrawal is made after age 59 ½. If the withdrawal is made before the 5-year period and age 59 ½, income taxes and an additional 10% federal income tax penalty may apply. Other exceptions may apply.4: Under current federal tax rules, you generally may take income-tax-free partial withdrawals under a permanent life insurance policy that is not a modified endowment contract up to your basis in the contract. Thereafter, distributions are includable in income. Loans taken will be free of current income tax as long as the policy remains in effect until the insured’s death, does not lapse or mature, and is not a modified endowment contract. This assumes the loan will eventually be satisfied from income-tax-free death proceeds. Loans and withdrawals reduce the policy's cash value and death benefit, and increase the chance that the policy may lapse. If the policy does lapse, mature, is surrendered or becomes a modified endowment, the loan balance at such time would generally be viewed as distributed and taxable under the general rules for distributions of policy case values. Proceeds payable upon the death of the insured are generally income-tax-free to the policy beneficiary.
There are 5 ways we accomplish this.
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.
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.
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.
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.
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.
We're all invested in you and your future.
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
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
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.
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.
Executive Assistant to Pat Kearns
Head of New Business Department
CA Insurance Lic. #4279544
CA Insurance Lic. #4060995
CA Insurance Lic. #4171888
CA Insurance Lic. #0L37862
Meet with our team and learn more about the 345 Way and how we can help you experience a lifetime of financial confidence.