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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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A Complete Guide to Financial Independence for Married Women

Financial independence is about encouraging financial freedom and financial autonomy. Here’s our complete step-by-step guide on how to be financially

9 Tips for Financial Independence In Your 20s & 30s

Most young adults leave school and are missing a key part of their education: financial planning. That’s why it’s so

Understanding the Emotional Cycle of Your Financial Decisions

Money represents financial freedom, hope, and comfort, among other emotions. That’s why we encourage investors to understand the psychology behind

5 Ways a Financial Advisor Can Help You Save Money in the Long Run

A good financial planner can offer advice on multiple aspects of your financial life, from tax planning to income planning

Answers by Joanna: Gold & Silver

Is now a good time to invest in gold and silver? Ask Joanna.

Answers by Joanna: Recession and Stock Market Performance

I’ve been asked recently about an inevitable recession and stock market performance. My answer to this question is broken down

Real Estate vs the Stock Market

While real estate can be a good addition to a portfolio, it does not come without risks.

Roth IRA vs. Traditional IRA: What You Need to Know

There are key tax, eligibility, penalty, and withdrawal differences between Roth IRAs and Traditional IRAs. Here’s what you need to

Considering retiring early? How to start FIRE

If you’re considering retiring early, there’s a chance that the FIRE movement will align with your goals.