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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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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

6 LGBTQ Friendly Ways to Live Your Best Life on a Budget

As more LGBTQ resources become available, it’s now easy to build a budget that helps reduce debt, build credit, shed

5 Things Every Couple Should Do with Their Finances Before Saying I Do

Throwing finances into this mix only fuels your stress if you and your beloved aren’t on the same page. That’s

How Your Small Business Can Open a 401(k)

401(k) plans for small businesses are a popular choice for good reason - they help you and your employees plan

Understanding the Players in Your 401(k) Plan

A well-administered and legally compliant 401(k) plan may not be the work of an employer alone. Here are some of

Here’s Why You Need an Estate Plan

No matter what line of work you are in, estate planning has facets that apply to everyone, and it comes

Retirement Plans for Small Business Owners to Consider

One of the ways your financial advisor can assist your business is to help you set up a small business

5 Steps to Reduce the Cost of Small Business Retirement Plans

Small business retirement plans can eat into your bottom line and retirement savings. Here are 5 steps to reduce costs