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3FG Articles & Videos

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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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Planning tips today for financial security tomorrow

As an employer and plan sponsor, it’s helpful to provide resources that encourage your employees to pay down their debt.

NEW 2020 Retirement Plan Contribution Limits!

Here's the full list of 2020 contribution limit changes for you to review and share with your plan participants.

Avoid failing the test – Proactive steps to avoid Corrective Distributions

Here's what to do if you failed the “ADP” test and how to use corrective distributions to fix it.

20 Important Questions You Should Be Asking a Recordkeeper

Your retirement plan recordkeeper should be a valued partner that helps support your plan and participants.

Lunacy of the Financial Media!

The media could care less about your values, feelings or aspirations. In fact, they will often employ fear, which influences

Practicing Gratitude

With every decision, every life event, it is our choice to see the good in it.

One Key Component Your Plan May Be Missing

If you’re not using data analytics to help you make progress toward improving participant outcomes, then you could be missing

Big Data to Drive Participant Outcomes

If you want to predict the wants, needs and fears of participants when it comes to retirement planning, look into

Recession Rampage

Whenever we hear something a lot, we tend to believe it, or at least allow the information to influence our