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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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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

Moving to Hawai’i? Don’t Miss These Estate Planning Tasks

If you’re moving to Hawai'i, there’s an important question you need to ask: Do my estate planning documents from the

Emotions and Financial Decision Making: How to Uncover and Reframe Your Motivations

There’s usually an underlying emotion driving your financial decisions–but that doesn’t mean the emotions are bad.

Estate Administration for Blended Families in Hawai’i: Unique Challenges and Smart Solutions

This article covers the challenges blended families in Hawaii face during estate administration and offers innovative, compassionate legal solutions for

The Complete Guide to Estate Administration in Honolulu, HI

Estate administration in Honolulu, HI, ensures assets are managed, debts are settled, and families are protected. An experienced estate planning

Why We Don’t Trust the Headlines—And You Shouldn’t Either

The financial media thrives on adrenaline—not accuracy. Wild market predictions make great clickbait, but they rarely make great plans. Here’s