Rose Swanger

CFP®, RICP®, CDFA®, EA
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 three 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.

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.

3) EA--Enrolled Agent.  Having the tax knowledge adds tremendous amount of advantages to help you save and invest, especially at the retirement time for social security and Medicare planning and retirement saving withdrawals.

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. At the present time, Rose is a SmartVestor Pro, a program funded by Dave Ramsey and the Ramsey Solutions organization to help you connect with investing professionals for assistance with retirement, college savings, and investments. 

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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All Answers
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    Debt, Social Security, IRAs, Real Estate, Taxes
Should I withdraw from my traditional IRA to pay off my credit card debt?
100% of people found this answer helpful

Hello,

It’s very tempting to pay off the credit card debts when you know you have a stash in an IRA.  However, the amount of money you take out (I assume $65k to pay off credit card balances) will add into your regular income, which may accidentally bump you into the next higher tax bracket. For example, if you file as an individual and your income is usually below $38, with that $65k from the IRA, you suddenly look at the 22% tax bracket vs. 12% prior to the IRA withdrawals.

Worse, if you file Medicare at 65, the SSA will review your 2018 return when you’re 63.  Once income, or more precisely the AGI, is above $85k for single, you will be paying additional premiums for Medicare Part B and D.

Thus, look the pros and cons for each choice before making a withdrawal from the IRA.  Better yet, talk to a professional for ideas/confirmations. Best!

April 2018
    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
April 2018
    Debt, Financial Planning, Retirement, Pensions, 401(k)
Should I take advantage of Rule 55 and use my 401(k) to pay off my mortgage when I turn 55 and start my new job?
100% of people found this answer helpful
May 2018
    Retirement, Investing, Annuities, Real Estate
Are annuities a good retirement investment?
100% of people found this answer helpful
April 2018
    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
April 2018