Denise Appleby

Denise Appleby

  • • CEO of Appleby Retirement Consulting Inc., a firm that provides IRA tools and resources for financial, tax ad legal professionals
  • • Provided training, including CE approved courses, to thousands of financial advisors, CPAs , attorneys and other financial/tax/legal professionals on the rules and regulations that govern IRAs, SEP IRAs, SIMPLE IRAs and employer-sponsored qualified plans.
  • • Co-authored several books on retirement accounts, including - Roth IRA Answer Book, Published by Aspen Publishers, Adviser's Guide to Retirement Plans for Small Businesses, Published by AICPA, and - Quick Reference to IRAs, Published by Aspen Publishers

Experience

Denise has over 17 years of experience in the retirement plans field, which includes training and technical consultation for financial professionals The creator and CEO of www.retirementdictionary.com, a free consumer website containing a wealth of information about retirement accounts rules and regulations, Denise has appeared on CNBC's “Business News,” Fox Business Network, and numerous radio shows, and her insights on retirement accounts have been quoted in the Wall Street Journal, Investor's Business Daily, CBS Marketwatch's Retirement Weekly, and other financial publications.

She has written over 500 articles on the rules and regulations that govern IRAs and employer-sponsored retirement plans, and she has co-authored books on retirement accounts.

Education

Denise received her Bachelor's degree from Rutgers University.

Professional Designations

Accredited Pension Administrator (APA), Certified IRA Services Professional (CISP), Chartered Retirement Plans Specialist (CRPS) , Certified Retirement Services Professional (CRSP), Certified Retirement Counselor (CRC) 

Quote from Denise

"My goal is to empower advisors with the education and tools they need, to help protect consumers' retirement savings account from the erosion that can be caused from making compliance mistakes. I enjoy doing so, and take immense pleasure in the numerous success stories that result from my work."

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  1. Retirement Living

    Tips For Moving Retirement Plan Assets

    Moving assets is common when changing jobs or retiring, but you have to take this action carefully to avoid penalties.
  2. Retirement Savings

    Can You Deduct Your IRA Contributions?

    Your eligibility to claim a deduction depends on whether you are an active participant of an employer-sponsored plan. Learn ...
  3. Retirement Living

    Distribution Rules For Inherited Retirement Plan Assets

    If you've recently inherited a retirement plan, you must get to know the rules for distributing the funds.
  4. Taxes

    The Tax Benefits of Having a Spouse

    Being married offers many tax benefits, including those who provide family support while the other spouse works at an income-producing ...
  5. Retirement Savings

    Substantially Equal Periodic Payment (SEPP): Learn The Rules

    Taxpayers often make costly mistakes with SEPP programs because there is little guidance on what can be done in certain situations. ...
  6. Retirement Living

    After-Tax Balance Rules for Retirement Accounts

    When after-tax assets in a retirement account are distributed, the amounts will be tax- and penalty-free, if the necessary ...
  7. Retirement Savings

    IRA Contributions: Deductions and Tax Credits

    Learn more about incentives and how you can take full advantage of the benefits.
  8. Retirement Savings

    Want To Leave Money To Your Family? Stretch Your IRA

    IRA stretch provision allows you to use your IRA funds to provide for your designated beneficiaries.
  9. FA Relevant

    Strategic Ways to Distribute Your RMD

    Eventually, you'll need to take required minimum distributions. Here you'll get tips on preserving your nest egg in the face ...
  10. Retirement Savings

    IRA Contributions: Eligibility and Deadlines

    Use this checklist for contribution requirements to make your payments on time.
  11. Retirement Savings

    Making Spousal IRA Contributions

    The unemployed can't contribute to retirement accounts because they do not have income; however, some people with employed ...
  12. Retirement Living

    Retirement Savings Tips For 25- To 34-Year-Olds

    Keep saving when mortgages, marriages and debt demand your attention.
  13. High Net Worth Strategy

    3 Steps To Take If You Miss Your RMD Deadline

    If you fail to take the required minimum distribution from your retirement account, you need to take the steps to avoid owing ...
  14. Retirement Savings

    How To Correct Ineligible (Excess) IRA Contributions

    Eager to save for retirement? Learn how to avoid overpayment penalties.
  15. Retirement Savings

    Tax Treatment Of Roth IRA Distributions

    Learn the requirements for withdrawing funds tax and penalty free with Roth IRA distibutions.
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