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3FG Resources

Aloha

I’m glad you’re here. At 3 Financial Group, advocacy begins with listening and helping you understand how financial and legal decisions connect across your life. These resources were created to support that work — offering perspective, plain-English guidance, and thoughtful insight you can explore at your own pace.

You’ll find topics that reflect the questions we hear most often, the transitions people navigate, and the decisions that deserve careful consideration. Whether you’re planning ahead, navigating change, or protecting what matters most, our goal is to help you feel informed, supported, and never alone in the process.

— Joanna Amberger JD | MBA | CFP®

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Find Resources by Topic

Achieving Retirement Savings Goals as a Woman: Best Practices and Strategies

Saving for retirement doesn’t have to be tricky – or challenging. With the right guidance and strategies, women can take

5 Critical Tips to Survive Widowhood, Financially

As a widow, you will have to make a number of important financial decisions. Here are some of the biggest

What Useless Financial Data and Information to Ignore – And What Actually Matters

How many times have you seen financial data and wondered, what does that really mean?

Ask Joanna: Should I Stop Investing When The Market Gets Volatile?

Wondering how to handle investments when the stock market gets volatile? Joanna weighs in.

11 Ways to Maintain Financial Independence During Your Divorce

Even if your divorce is amicable, you will still be faced with mountains of paperwork, long legal proceedings, and difficult

Ask Joanna: Mitigating a Recession

Are we entering a recession? Does it matter for my investments? Get Joanna's insights.

8 Budgeting Tips for Single Moms

Being a single parent comes with many challenges, and many single parents - especially single moms - face unique financial

Answers by Joanna: Roth vs. Traditional

What's the difference between a Roth IRA and. Traditional IRA? Let's dive into the pros and cons of each.

How Life Insurance Can Protect Your Economic Value

Instead of focusing on what a life insurance salesperson recommends, focus on what you need!