3 Financial Group

Remember, Ginger Rogers did everything Fred Astaire did, but she did it backwards and in high heels!

Many believe that financial well-being is linked solely to an ability to earn a high income. True financial independence, however, has much more to do with taking advantage of your existing finances through understanding the core issues that motivate you in life and using appropriate financial strategies that support your unique goals.

3 Financial Group provides financial analysis, advice and services that help empower you to actively shape the future of your dreams. We create a space for you to participate in designing customized, lifetime financial plans to help realize your genuine desires and ambitions within the context of your financial situation and abilities.

I offer monthly workshops on a variety of financial topics relevant to women today.  Click here to sign up for my e-newsletter and invitation to our next Wine Women & Wealth workshop!

 
Calculators

Savings Goals

How much do you need to save each year to meet your long-term financial goals?

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Lease Interest

What's the interest rate on the lease you're considering?

Car Affordability

How much can you afford to pay for a car?

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Newsletters

Tracking the Rise of Target-Date Funds

Investments in target-date funds have grown during the last decade. They are often the default choice in employer-sponsored retirement plans and viewed favorably by some investors for their helpful approach to asset allocation. This article explains the advantages and disadvantages of these funds and cautions potential investors about several common misconceptions.

What Kind of Investor Are You?

Although most Americans seem to understand that investment involves risk, there is a wide spectrum in how much risk each investor is willing to assume. Among the factors to consider are comfort level, time horizon, and net worth. This article helps investors to consider their appropriate level of risk.

Deciding When to Begin

Waiting until full retirement age (or up to age 70) to claim Social Security may result in significantly higher monthly benefits. At age 62, the earliest age to claim Social Security, the amount received could be only 70% of the benefit received at "full retirement age" (which ranges from age 65 to 67 depending on year of birth).

Where There's a Will, There's a Way

Only 35% of Americans have a will, yet it's a relatively simple legal document that every adult should have, regardless of wealth or age. Dying without a will can lead to unwanted outcomes and potential problems for heirs. This article discusses the importance of a will and other estate conservation documents.

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