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.



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”!


Zane Harris

Zane grew up in Gunter, Texas and graduated from Texas A&M University in 2013 with a Bachelor’s degree in Accounting and a Master’s degree in Management. Zane is a Certified Public Accountant and a Registered Investment Advisor. In September 2015, Zane started with Cain Watters & Associates as an Associate Planner and currently serves over 100 clients with the firm.

The product of a father in dentistry and parents that are clients of Cain Watters, Zane first attended the Accumulating Wealth Seminar as a student when he was just 18 years old. Years later, he routinely teaches the seminar to current high school students eager to learn the principles of money before making their own leaps towards college. Zane loves helping his clients save money but is also passionate about putting time and energy into philanthropic work. Outside of Cain Watters and his service to the Foundation, Zane most enjoys spending time with family and friends, laughing, traveling, and riding his bike.


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.


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.



Kimberly McBrayer

Kimberly is excited to serve on the board of 3 to1 Foundation. Raised in Oklahoma City, Oklahoma, Kimberly is a graduate of the University of North Texas with a Bachelor of Business Administration in Finance. Kimberly has worked with a select few nonprofit organizations in the Dallas/ Ft. Worth community and serves on the advisory board of Mosaic (which advocates for adults with intellectual disabilities) and Celebrating Life Foundation (which empowers and educates the medically underserved who are facing breast cancer).

Always interested in money and wanting to be a banker, her life experience and the economy lead her to the corporate world of Human Resources, specializing in Payroll, Accounting and Employee relations. Kimberly works as a Strategic Human Resources advisor with FedEx Services. She often helps others and gives back to her community utilizing over 20 years of direct Human Resources experience.

Kimberly enjoys time with family, live theater, traveling and multi-cultural community service.


Dr. Joe Miller

Joe Miller is a home town boy. He was born and raised in Pine Mountain, Georgia and went to high school in Manchester, Georgia.

He received his undergraduate degree from the University of Tennessee and graduated from the University of Tennessee Dental School. After graduation he served his country for two years as a Captain in the United States Air Force.

Joe has practiced dentistry in Columbus, Georgia since 1968 and is presently the Managing Partner at Rivertown Dental Care. He practices with his partners, his son Chris Miller, a third-generation dentist, and Michael O’Neal. Mason Sawyer has recently joined the practice as an associate.

Joe is a past president of the Western District Dental Society and the Georgia Academy of Dental Practice. He enjoys all aspects of dentistry and especially loves cosmetic dentistry and making smiles beautiful.

Joe and his wife Jan love living on Lake Harding and enjoy all the amenities there.


Brett Pierce

Brett graduated from Stanford University as a 4-year letterman on the football team while earning a B.S. in Industrial Engineering and a M.S. in Civil Engineering. Following his collegiate career, Brett spent 5 years in the NFL as a tight end, primarily with the Dallas Cowboys.

An avid entrepreneur with a love for the small business, Brett studied entrepreneurship at Harvard Business School and Babson College before joining a private equity firm in St. Louis.

Brett is currently the founder and CEO of Elite Dental Alliance (ELITE), the nation’s premier dental purchasing platform. ELITE has facilitated over $150M in member purchases and is responsible for nearly $40M in member savings. Brett has also initiated a corporate transition strategy for National Dental Placements (NDP) to help doctors maximize their practice value when transitioning to a DSO or Private Equity group.

Brett and his wife, Robin, live in Dallas with their two children. In his spare time, Brett enjoys playing golf, wrestling with his kids, and advising small business owners.



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.

3to1 Foundation Director

Wayne Dominick

Wayne is a business and nonprofit professional with experience in sales, leadership, marketing, programming, operations, and strategy.  Wayne has a BS from California Lutheran University, an MBA from the University of La Verne, and a certificate in nonprofit management from the University of Texas.

He worked at the Dr Pepper Snapple Group and Reading Partners in various roles and is a proud AmeriCorps alumnus.  Wayne is the Director of the 3to1 Foundation and is 100% dedicated to increasing the foundation’s impact improving people’s financial literacy.