Rose Swanger

CFP®, RICP®, CDFA®
Personal Finance, Retirement, Investing
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“Advise Finance aims to promote financial literacy and provide customized solutions for your financial needs.”
Firm:

Advise Finance, LLC

Job Title:

Certified Financial Planner

Biography:

Rose was born and raised in China, but educated in the US. Consequently, she enjoys the best of both worlds. She aims to incorporate that philosophy into her practice and provides her clients with the same privilege. Rose was the first American Certified Financial Planner(tm) practitioner who ever won the annual international financial plan competition twice (2014 & 2016), sponsored by the Global PlanPlus Award. Additionally, Rose has been frequently interviewed and quoted by major financial media sources, such as The Wall Street Journal, Kiplinger, Forbes, US World News, Reuters, CNBC, Chicago Tribune, and InvestmentNews. You can see a clip of her interview with the local TV, WBIR, about teaching kids of financial literacy.   

Besides having the general knowledge of financial planning, Rose has two other distinctive designations: 1) RICP®--Retirement Income Certified Professional, which gives her the expertise to help retirees during the retirement in issues such as safe income withdrawal, Social Security and Medicare  planning, long-term care, etc, and 2) CDFA®--Certified Divorce Financial Analyst, which allows her to assist attorneys and clients to achieve the best possible equitable settlement and at the same time to avoid typical financial and tax pitfalls. Rose Swanger is passionate about promoting financial literacy. Her personal goal is to help Americans get their financial houses in order, one community at a time. 

Education:

BS, Medical Technology, Georgia State University
MBA, Financial Planning, California Lutheran University

Fee Structure:

Fee-Based
Commission

Disclaimer:

Advise Finance is a marketing name for securities and advisory services offered through Royal Alliance Associates, Inc., Member FINRA/SIPC and a registered investment advisor. This communication is strictly intended for individuals residing in the states of TN,MD, and VA, where the RR is registered to conduct securities business. No offers may be made or accepted from any resident outside the specific state(s) referenced.

 IMPORTANT CONSUMER INFORMATION
: A broker-dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

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August 2017
    Choosing an Advisor
April 2017
    Financial Planning, Long-Term Care Insurance, Personal Finance
September 2016
    Choosing an Advisor, Financial Planning
June 2017
    Insurance
July 2016

All Answers
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    Debt
Should I use my retirement funds to payoff my debt?
100% of people found this answer helpful

Hello,

As any financial professionals may advise you: not to touch the 401(k) for any loans as it’s your only future savings. If you feel the pain of owning debts now, can you picture yourself debt-laden at the retirement age when you have no other sources of income?

As frustrating as it may be right now, the first step is to get your financial house in order: 1) Know your budget or cash flow: Automate your savings.  Purposely make it a habitual effort by setting 15% of your pay to another checking/savings account, then direct the rest of income to other living expenses. After a while, you will see the needs from the wants, and you are not going to live from paycheck to paycheck. 2) Without knowing the interest for the student loan, it’s tough to advise. However, if you think your loan interest is high, then find out your credit score and possibly refinance through a private lender. 3) Make an extra payment toward the highest interest loan or the small balance loan. Your personal loan balance is smaller than the student loan, and you may want to make extra payments to pay that off first, such as pay twice a month, instead of the monthly payment only.  Once it’s done, use the same strategy to pay off the student loan. Meanwhile, keep up the good work of saving towards your retirement in the 401(k). Best!

September 2016
    Financial Planning, 401(k)
Should I participate in my companies' 401(k) plan?
100% of people found this answer helpful
September 2016
    Retirement Savings, IRAs, Real Estate
Which account should I pull from to purchase a home?
100% of people found this answer helpful
September 2016
    Financial Planning, Tax Deductions / Credits
How does the tax deduction process work?
100% of people found this answer helpful
September 2016
    IRAs, Taxes
What will happen to my IRA funds when I withdraw?
100% of people found this answer helpful
September 2016