Rose Swanger

CFP®, RICP®, CDFA®, EA
Personal Finance, Retirement, Investing
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524
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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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November 2017
    Financial Planning, Marriage / Divorce
April 2017
    Financial Planning, Long-Term Care Insurance, Personal Finance
June 2017
    Insurance
September 2016
    Choosing an Advisor, Financial Planning
August 2017
    Choosing an Advisor

All Answers
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    Social Security, Annuities, Mutual Funds, Insurance
How can I invest my Social Security monthly benefits to gain the most growth?
100% of people found this answer helpful

If you’re working at 70-year-young and make at least $6,500/yr., you can put $6,500 towards Roth and designate your beneficiaries accordingly.  When the time comes, your beneficiaries will get a good size of inheritance and tax-free.

If you have retired completely from the work, then invest the entire $36k in a taxable account.  Just make sure you make it tax-efficient and growth oriented since you want to give the most to your loved ones.  The best part of investing in a taxable account is retaining the step-up basis.  For example, you purchased a fund at $50/share.  At the date of the death, it’s worth $150/share.  Your beneficiary can sell it immediately with zero capital gain tax on that $100 gain.  Talk to a financial professional, and see what else you can learn and do with your intention.  Best!

2 weeks ago
    IRAs, Taxes, Retirement Plans
If my wife and I already contribute to SIMPLE IRAs, can we also contribute to a traditional IRA to get a bigger tax deduction?
100% of people found this answer helpful
3 weeks ago
    Pensions, IRAs, Taxes, End of Life
My 77-year-old mother is the beneficiary of her deceased son's pension; can she place the money from the pension into an IRA account?
100% of people found this answer helpful
3 days ago
    Bonds / Fixed Income
What does it mean when a bond is selling at a premium? Is it a good investment?
88% of people found this answer helpful
September 2016
    Stocks
I'm new to this. Can I sell or buy stock by myself?
88% of people found this answer helpful
September 2016