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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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Common Rules Of Thumb For Retirement Savings

When it comes to saving for retirement, there are a few different rules of thumb that help you figure out

Why Your Financial Plan and Estate Plan Should Be Connected

While a financial plan and an estate plan are distinct, they are both active plans that need regular maintenance to

Ask Joanna: Homeownership And Mortgage Payments (Retirement Edition)

Joanna covers what to know about owning a home in retirement.

Retirement Realities: A Guide for Parents Navigating Financial Priorities

While investing in education is crucial, it should not come at the cost of your future comfort and financial security.

Financial Needs: The Balancing Act

Nobody has unlimited financial resources. That’s why mastering the balancing act between immediate financial needs and long-term aspirations is so

The Path To Financial Feminism

Welcome to the world of financial feminism – a place where empowerment, knowledge, and equality come together to redefine the

Financial Goal-Setting for the New Year

Whether you’re hoping to save for a big trip, pay down debt, or simply get a better handle on your

Understanding the LGBTQ+ Community’s Unique Retirement Challenges

For members of the LGBTQ+ community, however, retirement planning carries an additional layer of significance and complexity.

Empowering The LGBTQ+ Community Through Financial Planning and Education

Let's explore how financial planning and education can be a game-changer for the LGBTQ+ community, opening doors to endless possibilities.