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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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Your Guide to the FIRE Movement: How to Become Financially Independent

More and more people are looking to save enough money to retire as early as possible. What does the FIRE

3 Ways to Practice Strategic Financial Ignorance

Practicing strategic ignorance is about selecting which information you pay attention to, and which information to ignore.

When is it time to divorce? And how to prepare financially

It can be even more difficult to make the decision to divorce if you don’t feel financially ready – a

Answers by Joanna: Should I take Social Security early?

Joanna is covering some of the top questions we get about about Social Security and your retirement.

Benefits of Giving a Monetary Gift

If you’re interested in giving to your loved ones during your lifetime, there are several ways to do so. Here's

What Is Financial Feminism?

Financial feminism is all about taking back control of your finances, building a financial foundation and taking up space in

Answers By Joanna: How do I proactively manage the tax rate on my portfolio?

There are several tools you can use to manage the taxes in your investment portfolio. Let's dig in.

Behavioral Finance: Why People Overreact to the Market

When the market tumbled at the beginning of the COVID-19 pandemic, many people were understandably nervous about the future. Unfortunately,

Why You Should Ignore the Financial Media

Often when I meet a person at a party and they learn I am a financial advisor, they ask me