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 Savings

    What is the difference between a Traditional and a Roth IRA?

    The main difference between Traditional and Roth IRAs: the type of tax break. Roths offer tax-sheltered growth; Traditional ...
  2. Retirement Savings

    IRA Contributions: Deductions and Tax Credits

    We outline the incentives and help you take full advantage of the benefits.
  3. Taxes

    What are the tax implications of using QDRO money from a divorce to pay for a new home?

    There are several issues to consider, including the lack of an early distribution penalty and federal tax withholding.
  4. Retirement Savings

    Deducting Losses on Your IRA Investments

    Here's when (and how) investment losses in an IRA account can be included as a deduction on your tax return.
  5. Retirement Savings

    Roth 401(k), 403(b): Which Is Right for You?

    Learn how to decide between a traditional and a Roth version of the 401(k), 403(b) or 457(b) retirement plans to help you ...
  6. Retirement Savings

    Near or over 65? Use these retirement planning tips

    Find out how to save smarter after 65.
  7. Retirement Savings

    What to do after you've overcontributed to your 401(k)

    Notify your employer or plan administrator immediately, or at least by March 1 of the following year the excess deferral ...
  8. Retirement Savings

    Why an employer might delay 401(k) distributions – and what to do about it

    There may be legitimate explanations for a delay, but you must be given an explanation in writing.
  9. Retirement Savings

    Can I contribute to both a 401(k) and an IRA?

    Yes, but your participation in the 401(k) plan may affect your ability to take a tax deduction for any traditional IRA contributions. ...
  10. Retirement Savings

    Use your 401(k) to purchase a house

    If you are planning to withdraw from your 401(K) plan and used toward the purchase of your home, you will be subject to a ...
  11. 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.
  12. Retirement Living

    Top 3 Retirement Savings Tips for 55-to-64-Year-Olds

    Find ways to save money and increase your nest egg for the fast-approaching senior years.
  13. Retirement Living

    Should You Borrow From Your Retirement Plan?

    It makes sense to dip into your savings in some cases, but you must be aware of the potential consequences.
  14. Career / Compensation

    Job Hunting: Higher Pay vs. Better Benefits

    Focusing only on pay when job hunting may be a mistake. Find out which benefits have the highest payoff in the long run. ...
  15. Retirement Living

    Rejuvenate Your Life and Career With a Sabbatical

    Sometimes a one-week vaction isn't enough. Learn the pros and cons of an extended break.
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