Denise Appleby

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 Living

    Borrowing From Your Retirement Plan

    Left with no alternative but to take money out from your retirement savings? Here are some guidelines.
  2. Retirement

    What happens to your company-sponsored SIMPLE IRA account if you leave within the two-year period, and your new employer doesn’t offer a SIMPLE plan?

    If an employee covered by a SIMPLE leaves his employer within the two-year period and his new employer doesn't have a SIMPLE, ...
  3. Retirement Living

    Designating a Trust as Retirement Beneficiary

    Designating a trust as your IRA beneficiary can be beneficial, but it requires proper planning to avoid problems.
  4. Retirement Living

    Gifting Your Retirement Assets To Charity

    There are several things to consider when it comes to this type of charitable giving. Make sure you're well informed.
  5. Retirement Living

    The Rap On Wrap Fees For Retirement Accounts

    You need to consider whether you should pay your wrap fee out of your retirement account balance or out-of-pocket.
  6. Retirement Living

    Top 4 Reasons To Save For Retirement Now

    No more excuses. Make sure you are financially secure and independent for your golden years.
  7. Retirement Savings

    Designations No Retirement Planner Should Be Without

    Advance your career and gain clientele by adding a few choice certifications.
  8. Retirement Savings

    Moving Retirement Plan Assets: How To Avoid Mistakes

    Sometimes things go wrong in a simple transfer of funds. Make sure you know how to avoid penalties.
  9. Retirement Savings

    Roth vs. Traditional IRA: Which Is Right For You?

    To answer this question, you need to consider several of the factors we outline here.
  10. Estate Planning

    The Importance of Updating Retirement Account Beneficiaries

    Retirement account beneficiaries should be reviewed and updated on a regular basis to avoid any outdated information. This ...
  11. Retirement Savings

    Why did my employer delay 401(k) distributions?

    Understand that there may be legitimate explanations that an employer may delay your 401(k) distribution. However you must ...
  12. Retirement Living

    Can You Retire in Five Years?

    The countdown is on. Find out whether you'll be ready to leave the working world.
  13. Retirement Living

    The Top 3 Retiree Worries (And What To Do About Them)

    Discover the most common problems and concerns retirees face, and what they can do to solve them.
  14. Retirement Living

    3 Reasons To Use an Employer-Sponsored Retirement Plan

    If you aren't participating in your employer-sponsored retirement plan, you're missing out! Learn the benefits.
  15. Retirement Living

    Retirement Plan Tax Form 8606: When To File

    If you have a Roth IRA, you are responsible for keeping track of your pretax versus after-tax assets.
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