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3FG Articles & Videos

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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Estate Planning When Kids Aren’t in the Picture

How often have you Googled “estate planning for women” and ended up with the assumption that your kids will inherit

How To Make an Estate Plan on Kaua’i When Half of Your Life Is on the Mainland

Moved to Kaua‘i but still have property, kids, and a legal team off-island? Consider this your estate planning guide for

What Happens to a Home Equity Loan After a Divorce?

If you’re navigating a HELOC and divorce, your credit could be at risk. Here’s what to do.

Mindfully Mediocre: Why “Boring” Makes for a Good Investment Strategy

Stock market trends are a lot like health food trends: usually fleeting, rarely helpful, and almost always championed by someone

The Real Test for Financial Independence: Buying a Home Solo

A good way to test your financial independence is to put it to the test. Specifically, could you own a

Thinking About IVF Treatment? Time to Think About Your Estate Plan, Too

Building a family through IVF takes a lot of intentional planning—often in ways you might not expect. Here’s where IVF

Financial Forecasts Don’t Matter. Here’s Why.

Here in Hawai’i, we have what are known as microclimates. This term can be loosely translated to “The weather changes

3 Wealth Management Skills that Most Women Were Never Taught

There’s a reason why women’s financial confidence is lower than that of their male counterparts–and it’s not their fault.

The Mental Load of Being a High-Earning Woman

How to navigate the cognitive labor that comes with being a breadwinner and make sure it doesn’t undercut your investment
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