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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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401(k) Investments on the Watch List? Best practices to help manage it.

If you have recently been informed that one or more of your company’s retirement plan investments are on the Watch

Automatic Enrollment and Auto Escalation Boost Participation and Savings Rate

If your company’s 401(k) plan design doesn’t currently include auto features, and/or if you’re thinking about implementing them, then keep

The Virtue of Slowing Down

Slowing down can help us make better financial decisions.

Summertime Surprise!

Two market surprises that may leave investors scratching their heads and wondering what is next.

5 Plan Design Features for Retirement Readiness

Successful financial wellness programs help employees feel in control and on track in their financial lives – and that includes

Sometimes We Just Get Lucky

As investors, we sometimes confuse luck with skill. True investment skill is often demonstrated by discipline to a strategy and

The stages of financial wellness for 401k participants

Financial wellness programs can be beneficial to financially-stressed employees, but there are many stages to financial wellness!

Thinking About Financial Wellness ROI

If you want to sell your C-suite on paying for an employee financial wellness program, you’ll probably hear this question

Strategic Ignorance

Strategic ignorance can be beneficial to your investment plans!