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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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Negotiate Like a Pro: A Woman’s Guide to Securing What You’re Worth

Negotiation isn’t just a skill—it’s a powerful act of self-advocacy. Whether you’re stepping into a new role or preparing for

Own Your Worth: What Every Woman Should Ask Before Saying Yes to a Job

When a job offer lands, it’s tempting to focus on the salary and call it a win—but your earning potential,

Cultivating Confidence: A Retirement Checklist for Women in Their 60s

Retirement planning isn’t just about numbers; it’s about cultivating confidence and clarity for women entering this new chapter. This guide

Why Regularly Reviewing Your Estate Plan is Vital for Honolulu Families

Regularly reviewing your estate plan ensures it reflects your current wishes and life changes. From updating beneficiaries to adapting to

Navigating the Financial Transition After a Spouse’s Death

Losing a spouse is an emotional and life-altering event, and the financial decisions that follow can feel overwhelming. This guide

Retirement Checklist for Women in Their 60s

Women live longer than men and generally make less money. This affects how they should prepare for retirement.

Thriving Amid Conflicting Market Signals

In today’s fast-changing financial landscape, even the most accomplished women can feel bombarded by conflicting signals. Headlines may rattle confidence,

You Don’t Need to Be an Expert in Everything

Women are often told they need to be good at everything, but here’s the truth: you just need to know

LGBTQIA+ Estate Planning Essentials in Honolulu

Honolulu’s diverse LGBTQIA+ community deserves specialized, inclusive legal services that address both the opportunities and challenges of estate planning.