Denise Appleby

Denise Appleby is founder and owner of Appleby Retirement Consulting,which provides technical consultation, content, coaching, writing, editing and training services on related topics.

With more than 14 years of experience in the IRA and defined-contribution plans fields, Appleby has held several senior retirement-plan related positions with Pershing LLC, which included vice president of plans products and services, retirement plans manager, trainer, training manager, compliance consultant, technical help desk manager and writer.

Appleby's wealth of knowledge in retirement plans lead to her making appearances on CNBC's Business News and being quoted in The Wall Street Journal, where she gave her insights on retirement planning. Her expertise and knack for explaining complex retirement plans rules and regulations in a manner which makes them easily understood, has created a demand for her to speak at various conferences and seminars around the country.

Appleby has extensive experience in the field of training the staff and financial advisors of many broker-dealers on retirement plans and related topics.

Appleby has written over 200 articles for several newsletters, including the Pershing LLC's SixtySomething, Pershing LLC's The Pershing Press, Ed Slott's IRA Advisor and Investopedia. She is also an editor, providing technical editing services for books, newsletters, articles and other material on retirement plans and retirement planning. Books edited by Appleby include "Quick Reference to IRAs" by Gary lesser and Don Levy (2003); "SIMPLE, SEP and SARSEP Answer Book" by Gary Lesser and Susan Diehl, "Parlay Your IRA Into a Family Fortune" by Ed Slott.

During her employment with Pershing, Appleby served as a member and firm representative of the Security Industry Association's (SIA) Retirement and Savings Committee. She has also spoken at the SIA Savings & Retirement Symposium, which is attended by financial services professionals from a variety of fields, including marketing, sales, legal, operations, and strategic planning.

Appleby has received several recognition awards for outstanding job-related performances. These include Pershing's leadership award for significant contribution to the development of a system rules engine as well as policies and procedures for dealing with the changes effected by new tax laws. She was also a recipient of the Outstanding Representative Award from the New York Metropolitan Society of Consumer Affairs Professionals

Appleby, a Rutgers State University graduate, holds the following professional certifications:

  • Accredited Pension Administrator (APA), National Institute of Pension Administrators, Chicago IL
  • Certified IRA Services Professional (CISP), Institute Of Certified Bankers, Washington DC
  • Chartered Retirement Plans Specialist (CRPS), College of Financial Planning, Denver CO
  • Certified Retirement Counselor (CRC), International Foundation for Retirement Education (InFRE)
  • Certified Retirement Services Professional (CRSP), Institute Of Certified Bankers, Washington DC
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  1. Retirement Savings

    Tax Treatment Of Roth IRA Distributions

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

    I am self-employed and do not need most of my IRA RMD for expenses. Can I reinvest it in Roth IRAs?

    Yes, you can use your Traditional IRA's required minimum distributions (RMDs) to contribute to your Roth IRA.
  3. Retirement Savings

    Can I borrow from an IRA without penalty?

    Yes. A 60-day rollover rule applies to all types of IRAs, allowing you to withdraw and then repay assets within two months. ...
  4. Retirement Savings

    The company I am working for said that 401(k) contribution can be based on only straight time pay! The company I previously worked for allowed me to contribute on gross earnings. Has the law changed, or is the current employer wrong?

    401(k) regulations allow the employer to determine, to a certain extent, what is defined as "eligible compensation/pay" for ...
  5. Retirement Savings

    What are some of the features and benefits of SEP IRAs and Roth IRAs?

    A side-by-side comparison of the features of SEP IRAs and Roth IRAs.
  6. Retirement Savings

    My spouse has little/no income. Can I contribute to my spouse's IRA?

    Yes. You may make a Traditional IRA contribution to your spouse's Traditional IRA, assuming you have eligible compensation.
  7. Retirement Savings

    A Closer Look At The Roth 401(k)

    Learn about the benefits and drawbacks of this investment account, a variation on the traditional 401(k) and see if it's ...
  8. Retirement Savings

    Can you have a 403(b) and also contribute to a 401(k)?

    Yes. You may participate in both a 403(b) and a 401(k) plan. However, certain restrictions may apply to the amount you can ...
  9. Retirement Savings

    Can I roll my 401(k) and/or IRA funds into a more liquid investment fund without penalty?

    You may be able to change your IRA investment(s) or transfer the account to another financial institution. The 401(k) plan ...
  10. Retirement Savings

    I have two jobs. Can I contribute to two SIMPLE IRA plans?

    If there is no relationship between the two companies, then yes, collectively up to the contribution amount allowed by the ...
  11. Retirement Savings

    401(k) Plans For The Small Business Owner

    If you own a business, this may be the plan for you! Find out about its benefits and eligibility requirements.
  12. Retirement Savings

    Can I contribute to my company-sponsored 401(k) after the company's year-end but before its tax-filing date?

    No: Unlike IRA contributions, 401(k) contributions generally apply to the year in which they are actually withheld from your ...
  13. Retirement Savings

    My company is the trustee of our 401(k) plan (which has 112 participants). What are the pros and cons of having the company instead of the plan provider/vendor as the trustee?

    The answer may vary depending on the plan provider and the provisions of the plan document.
  14. Retirement Savings

    I didn't record my Traditional IRA contributions. Is there a website that lists IRA contribution limits for past years?

    Yes, there's a record.
  15. Retirement Savings

    I am a teacher in a public school system with some money in a Roth IRA and also a self-directed IRA. Can I roll my IRA funds into a newly opened 403(b) plan, since I am presently employed by the school sy

    If you establish an account under the school's 403(b) plan, you may roll the Traditional IRA assets into it, but probably ...
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