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Built for what's next. 3Legacy Management.

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Vinya Muso · 3LM

Legacy. Leverage. Longevity.Legacy. Leverage. Longevity.

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#23
AdvisorHub: 100 Women Advisors to Watch · #23 · 2024
Rising Star
ThinkAdvisor Luminaries, 2025
Forbes
Best-In-State team recognition, 2026
Portrait of Vinya Muso, founder of 3LM

Vinya MusoCFP®, CIMA®, AAMS®3LM · INC

HARVARD · PURDUE · UC BERKELEY · YALE

Education & recognition

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Forbes | SHOOK · Best-In-State Wealth Management Teams · 2026

Who we help

Your financial life doesn't need to fit into a category.

A career change, business decision or family responsibility can affect more than one part of your finances.

You spent years taking care of everyone else

A later start on saving, student loans, a demanding schedule and almost no time to think about any of it. Your career asks a lot. Your finances shouldn’t.

Financial situation

We help you see what to address first

  • A plan that accounts for a later start
  • Loans, income and savings in one clear picture
  • Tax-aware investing and retirement planning
  • Insurance and risk questions looked at together

Your company stock became your biggest bet

Options, RSUs, bonuses and a deferred compensation election you had a week to decide. It adds up to real wealth, and real risk, when nobody is watching all of it.

Financial situation

We help you weigh the choices around company stock

  • A clear view of your concentration and how to reduce it
  • Timing for vesting, exercises and sales
  • Tax planning around equity and bonuses
  • A plan for life after the next promotion or exit

Most of your wealth lives inside the business

You’ve poured everything into building it. The personal side, from retirement to what happens when you sell or step back, keeps getting pushed to next quarter.

Financial situation

We plan for you, not just the business

  • Separating personal wealth from business risk
  • Planning well ahead of a sale or succession
  • Retirement strategies that work for an owner
  • Working alongside your CPA and attorney

You’ve built real wealth. Now you want it to last.

Several accounts, a few advisors and a quiet sense that nobody sees the whole picture, or understands what you want it to mean for the people you love.

Financial situation

We bring every piece into one picture

  • A clearer view across accounts and advisors
  • Customized, actively managed portfolios
  • Estate, trust and giving goals coordinated
  • Preparing the next generation
Explore who we helpEmail Vinya

What we do

Three areas of advice. One connected financial life.

Investment management, financial planning and family strategy, considered together.

01

Investment Management

Portfolio decisions made with your goals, taxes and whole household in view.

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Financial Planning

A working plan for income, retirement and decisions around major life changes.

Explore this area03

Tax, Estate, Family & Legacy Strategy

Tax, estate and risk coordination, family wealth strategy and next-generation financial education.

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Family & legacy strategy

Legacy is more than what you leave. It’s what you teach.

Family money conversations can begin before an inheritance and change as children grow.

Explore Family & Legacy

  1. First money habits

    What does money make possible?

  2. Growing independence

    How do we learn to make our own decisions?

  3. Family wealth

    What do we want the next generation to understand?

3LM / COMPOUND GROWTH

Explore how your money could grow.

Change the assumptions to see how a starting amount, regular contributions and time might work together.

Illustrative balance after 20 years

$306,898
Total contributed$145,000
Hypothetical growth$161,898
TodayYear 20
Illustrative balanceContributed

This is a hypothetical illustration, not a forecast. It treats the return shown above as the amount earned over a year and assumes contributions at each selected period’s end. Taxes, fees and inflation are excluded. Actual returns vary, and losses are possible.

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Questions

Frequently asked questions

Answers to common questions about fit, portfolios and working with families.

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001Who do you work with?

We work with individuals and families facing meaningful financial decisions, growing complexity and the responsibility that comes with wealth. Situations may include business ownership, equity compensation, inheritance, retirement or planning across generations.

002Is there a minimum?

We don’t publish one. What matters is your situation, how much is going on, and whether we can genuinely add value. If you’re not sure, just ask.

003How do you build portfolios?

Around you. Every portfolio is actively managed and built for your stage of life, your goals, your taxes and what you already own. We don’t drop new clients into the same model. And sometimes the best move is to do nothing.

004Will 3LM work with my children?

Yes. Family education can evolve as children grow, from early conversations through college, work and later decisions about wealth. The right topics, timing and format depend on each family and the agreed scope. Personalized family access is a future phase, not a service available today.

Explore Family & Legacy
A United States atlas with Indianapolis as the home base, fine connections to other cities, and decorative financial charts. Legacy. Leverage. Longevity.
For illustrative purposes only. Charts and percentages are hypothetical and do not represent actual index or 3LM investment performance. Map connections are conceptual and do not indicate office locations or service availability.

The support behind 3LM

A personal relationship with 3LM.

3LM is affiliated with Cetera Investors. Learn more about the practice and the people you work with.

Learn about 3LM

“If this were your family's money, what would you be asking right now?”

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