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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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Honolulu women aging well

How to Age Well: A Guide for Women in Honolulu

Aging well requires a proactive approach to physical health, financial security and estate planning to ensure a stable and fulfilling
Estate Planning with 3FG to avoid mistakes

Estate Planning Mistakes to Avoid in Oahu: Protect Your Legacy and Your Loved Ones

While the biggest estate planning mistake is not having an estate plan at all, piecemeal estate planning, where wills, trusts,

The Fallacy of Annual Forecasting: Why Predicting Stock Market Returns Is a Gamble, Not a Strategy

Financial forecasts may capture attention, but they are inherently flawed—and relying on them can be detrimental to your financial health.
LGBTQ Hawaiian couple discuss Estate planning in Honolulu

Post-Election Estate Planning for the LGBTQ+ Community: Securing Your Future in Uncertain Times

The LGBTQ+ community faces heightened fears post-election, with threats to civil rights and safety looming. Proactive estate planning offers control
Estate Planning with 3FG

Your Estate Plan Must Coordinate with Your Financial Plan

Coordinating your estate plan with your financial plan is essential for protecting your legacy and ensuring your goals are met.
Oahu Estate Planning

Estate Planning for Women in Oahu: How to Take Control of Your Financial Legacy

It is essential that women do not surrender the responsibility of managing their financial affairs and devising their estate plan
Reviewing your estate plan with a Honolulu estate planning attorney is essential

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
Honolulu estate planning

LGBTQIA+ Estate Planning Essentials in Honolulu

Estate planning is more than just protecting assets—it’s about securing your loved ones' future, especially when navigating the unique challenges

What Do I Need to Do When a Loved One Dies?

It’s easy to overlook an important task after a spouse or other loved one passes away – like retitling assets.
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