The 3to1 Foundation is governed by a volunteer Board of Directors who are passionate about the Foundation’s Mission. Their expertise is vital to the continued growth and success of the Foundation.



Darrell Cain

Darrell is an alumnus of Baylor University, with a Bachelor of Business Administration in accounting and Masters of Public Accountancy. He is a Certified Public Accountant and an Investment Advisor Representative. In October 1984, Darrell started Cain Watters & Associates,whose focus is to serve dentists and high net worth individuals.

A mentor and leader to everyone in the CWA community, Darrell speaks at numerous events each year. In 1997, Darrell created the 3to1 Foundation which strives to educate individuals regarding the financial principles of attaining lifetime economic freedom and which supports other charitable efforts. He developed the cornerstone of the 3to1 Foundation, the Accumulating Wealth Seminar. Darrell currently serves as the Chairman of the 3to1 Foundaiton Board.

Darrell enjoys extensive travel and various recreational activities with his family.


Vice President

Dr. Richard Chillemi II

Dr.  Richard Chillemi II graduated from Ursinus College with a Bachelor of Science in Biology and Minor in French in 1986. He is a 1990 graduate of Temple University School of Dentistry.  Dr. Chillemi enhances his education and training by attending continuing education courses and seminars, and by reading and researching the latest in dental technology. His practice focuses on restorative rehabilitation and cosmetic enhancements.

Dr. Chillemi and his wife, Tracy have four children, and enjoy reading, chasing the children, and exploring the Philadelphia area.




Dr. Ronald Hawkins

Dr. Ronald Hawkins grew up in the Dallas area, and Graduated form Baylor College of Dentistry, in 1976. His undergraduate education was from the University of North Texas where he received his Bachelor of Science in Physics and Mathematics, and he holds a Masters Degree in Atmospheric and Space Physics, from the University of Texas at Dallas. After dental school, Ron and his wife Joy relocated to Lubbock Texas, where he spent the first year as an associate. Then in 1977 he opened his own private dental practice, where he practiced until his retirement in 2012. During that time he and Joy built a multi-Doctor, multi-location large practice built on the principle of excellent patient service. Always looking to learn what is new; Ron’s practice interests included full mouth rehabilitation cases, mini implants, locked in dentures and all aspects of cosmetic dentistry. After retirement Ron and Joy relocated to Burleson TX where their son and daughter-in- law are dentists and own and operate Burleson Smiles dentistry. Ron continues to do some part-time dental care and serves as a consultant to his son Chris and his practice. Ron enjoys traveling via motor home across the USA, photography, fishing, and especially spending time with his new granddaughter.



Toni Lee

Toni Lee graduated from Rockhurst University in Kansas City, Missouri in 1991 with a Bachelor of Science and Bachelor of Arts in business management. In 1993, her accounting career began with KPMG while she simultaneously took night courses. She graduated from Rockhurst University in 1996 with a Bachelor of Science in accounting. Toni joined Cain, Watters &Associates in October of 1996, where she became a partner in January 2008. Toni continues to provide personal financial planning services to her clients.

Toni is a Certified Public Accountant, a Personal Financial Specialist, a Certified Valuation Analyst and an Investment Advisor Representative. Additionally, she holds membership in the American Institute of Certified Public Accountants, the Texas Society of CPAs and the National Association of Certified Valuation Analysts.

Toni and her husband, Danny, have three sons. In her spare time, she enjoys spending time with family and especially loves to be on the water, at the lake or the beach.



Dr. Roger B. Nofsinger

Roger B. Nofsinger, D.M.D. graduated from the University of Kentucky College of Dentistry in 1968. He received his undergraduate education at Stetson University in Deland, Florida and at the University of Kentucky in Lexington, Kentucky. He was an officer in the United States Navy in San Diego, California from 1968 to 1970, retiring with the rank of Lieutenant Commander. He retired after forty one years of practicing general and cosmetic dentistry in Altamonte Springs, Florida, leaving three outstanding partners, Dr. Tim Lane, Dr. Charles Curley and Dr. Brett Zak to carry on. Dr. Nofsinger was heavily involved in organized dentistry. He was president of the Orange County Dental Society, Central Florida District Dental Association, Florida Academy of Dental Practice Administration, and the Orange County Dental Research Clinic. He is a Fellow of the American College of Dentists and the International College of Dentists. He was an American Dental Association spokesperson. He was also on the Council of the American Dental Association Annual Sessions, where he served as Chairman of local arrangements. Dr. Nofsinger enjoys traveling, skiing, hiking, spinning classes and weight training with his wife, Leigh. They enjoy spending time with their family and twelve grandchildren.



Dr. Michael Rosenberg

Dr. Michael Rosenberg is a retired Orthodontist who practiced in Miami for 37 years. While in active practice he served as President of the South Florida Dental Association and Chairman of the South Florida Dental Foundation. In addition, he served as a Trustee of the Florida Dental Association and as a delegate to the American Dental Association. After retiring in 2004, Dr. Rosenberg began to devote more time to leadership rolls in the non-profit sector. He served as Chairman of the Board of Switchboard of Miami, the area’s only 24 hour crisis and information referral hotline. He served as Chairman of the Board of Directors of the Voices for Children Foundation, the fundraising arm of the Guardian ad Litem program. He currently serves as Chairman of the President’s Council of History Miami and as Chairman of the Miami-Dade County Environmentally Endangered Lands Committee. In addition, he currently serves on the City of Miami Parks and Recreation Board, the Board of Governors of the Kampong, the Dean’s Advisory Board of the College of Arts & Sciences of Florida International University. In addition, Dr. Rosenberg serves on the Board of Trustees of the Miami Foundation. Dr. Rosenberg has been a resident of Miami since 1944, and currently resides in Coconut Grove with his wife, Diane.

Karen Hope


Karen Hope

Karen Hope graduated in 1981 from the University of Florida with a Bachelors degree in Early Childhood and Elementary Education. She taught for 5 years in the public school system and then decided to help manage her husband’s dental practice. She married Tim Hope in 1983 and has helped manage his practice over the last 30 years, as it continued to grow, add new doctors, and locations. They met Darrell Cain in 1987 and have been CWA clients ever since.

Her love for helping others has also led her to further her education as an Esthetician and join the Rodan + Fields skincare company. She loves helping others grow their businesses and get great looking skin. She has recently retired from the group dental practice to focus solely on her skincare company. She enjoys spending time with her family and friends and helping to raise orphaned squirrels.



Dr. Dean Brandon

Dr. Dean Brandon has practiced for over twenty years as a Pediatric Dentist and owner at Alabama Pediatric Dental Associates and Orthodontics, a large multi office group specialty practice in North Alabama.  He is currently an Adjunct Assistant Professor at the University of Alabama School of Dentistry, past president of the Huntsville Madison County Dental Society and past chief of Dentistry at Huntsville Hospital.  After graduating with a B.S. in Biology and Chemistry from the University of Alabama in Huntsville, he obtained his D.M.D. degree from the University of Alabama School of Dentistry in 1987 and did his residency in Pediatric Dentistry at the Louisiana State University School of Dentistry, Charity Hospital and Children’s Hospital in New Orleans, Louisiana.

In 2006, he became one of the first to start blogging about his specialty.  This blog, “ Pediatric Dentistry” has grown over the years to be one of the most viewed Internet sites for the specialty.  Parents from all across the world read and get valuable information from the blog about their children’s dental health. He has also been a speaker on blogging for the American Academy of Pediatric Dentistry, and is author of the book, “Dental School: Preparation, Survival and Success”.

Dr. Brandon resides in his hometown of Huntsville, Alabama and is married with two children.


3to1 Foundation Director

Michele Mulholland

Michele Mulholland is a business professional with experience in non-profit management, business development, marketing and product management. Michele holds a BBA from the University of Notre Dame and a Masters of Business from the University of Chicago Booth School of Business.

During her career, Michele has worked in many industries. She has extensive experience in high-tech, non-profit and healthcare businesses. She has worked with IBM, Intel and Hewlett-Packard. In addition she has chaired many non-profit fundraising events. Currently Michele is the Director of the 3to1 Foundation where she is responsible for the Foundation re-launch, for the creation of website and marketing materials and for development.

Michele lives in Dallas with her husband, John, and two children. She enjoys spending time with her family, travel and practicing Bikram Yoga.


Dr. Timothy M. Lane

Timothy M. Lane, D.D.S. graduated from Indiana University School of Dentistry in 1988. After graduating from Purdue University with a bachelor’s degree Tim worked in private industry for several years prior to attending dental school. He was a dental officer in the United States Navy serving in Orlando, Florida from 1988 – 1991. He joined the General and Cosmetic Dental practice of Dr. Roger
Nofsinger in1991, practicing together for over 20 years. The practice now has three partners and an associate doctor. Active in organized dentistry, he has served as President of the local dental society, been on the Board of Central Florida District Dental Society and was an alternate Trustee of the Florida Dental Association. Tim also served as Program Chairman of the Local Arrangements Committee for the
ADA Annual Session.

Tim and his wife, Cheryl, have two adult sons and enjoy travel and outdoor activities.


Michelle Baird

Michelle Baird has served the 3to1 Foundation since its inception, assisting in accounting, as well as tax and regulatory compliance, and is a Lifetime Member of the Foundation.  Michelle is Chief Financial Officer of Cain Watters & Associates, as well as of Tectonic Holdings, and has served Cain Watters and its related entities in various capacities since 1997. Prior thereto, Ms. Baird was a tax associate with a large regional public accounting firm. Ms. Baird is a Certified Public Accountant and a graduate of University of Texas in Arlington.  As the mother of three children, she is keenly aware of the value of early financial education, and is committed to the Foundation’s mission to help the next generation “Get Smart Young”!