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 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, Personal Finance
August 2017
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June 2017
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    Retirement, Investing, Taxes
What are the best long term investments and tax exempt shelters?
100% of people found this answer helpful

Hello,

I hear you--the tax pain. Fret not! 

First of all, have you maxed out 401(k)s, assuming you both use the traditional 401(k)s? If you have, congratulations! That’s at least $36K you don’t have to pay income tax.

Secondly, I would recommend you continue to do either a non-deductible traditional IRA or two-step conversional Roth. Either way may not help your current tax deductions, but they will help you cushion retirement funds for sure.

Thirdly, fund the HSA if you have a high deductible healthcare plan. It has triple tax benefits: upfront tax deduction, tax-deferred growth, and tax-free withdrawal for qualified medical use.

Lastly, if you have fund all three vehicles, you may want to consider annuities or permanent life policies for tax savings and low risk as you asked. On the other hand, a seasoned financial planner (CFP®) may be able to help you design a medium-risk but a higher potential growth than the CD and tax-efficient portfolio for your investment. Best!

November 2016
    Debt, Pensions
Should I pay off credit card debt through my retirement accounts?
100% of people found this answer helpful
November 2016
    Retirement, Social Security
When should I submit my application for SSA retirement?
100% of people found this answer helpful
November 2016
    College Tuition, Debt, Investing
How should I tackle future student loan debt?
100% of people found this answer helpful
November 2016
    Social Security, 401(k)
What impact will a withdrawal on my 401(k) have on my Social Security?
100% of people found this answer helpful
November 2016