Denise Appleby- Author, Speaker  on IRAs & Employer Retirement Plans;  Consultant, and  Trainer of Choice for Financial and Tax Professionals

Training Events (LIVE)

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  • Top 10 Factor for Choosing Between a SEP IRA and a SIMPLE IRA (IRA7)

    • 07 Aug 2019
    • 1:00 PM - 3:00 PM

    Instructor(s): Denise Appleby, APA, CISP, CRPS, CRC, Mike Tucker, Ph.D., LL.M., J.D., CPA

    CPE Credits: 2

    Register here : https://www.surgentcpe.com/cpe-courses/Top-10-Factors-Choosing-Between-SEP-IRA-SIMPLE-IRA-IRA7

    Overview

    SEP IRAs and SIMPLE IRA plans are easy to establish and operate and have little administrative cost. They are also easy to communicate to employees and are often considered to be ideal starter plans for small businesses. Both plans have competing and similar features and benefits that would make them suitable for the small business.

    Major Topics:

    • The features and benefits of SEP IRAs and SIMPLE IRAs
    • Documentation requirements for SEP IRAs and SIMPLE IRAs
    • Identifying suitable businesses
    • Contribution rules
    • Notification requirements
    • Terminating a SEP or SIMPLE IRA

    Learning Objectives

    • Learn the operational and compliance requirements fort SEP IRAs and SIMPLE IRAs
    • Determine the contribution requirements and limits for SEP IRAs and SIMPLE IRAs
    • Know how to establish SEP IRAs and SIMPLE IRAs
    • Learn how to communicate SEP IRAs and SIMPLE IRAs, in accordance with regulatory requirements

    Designed for:

    Financial advisors, tax professionals, and individuals who support IRAs and employer plans (employees of financial institutions who answers questions about and handle transactions for IRAs and employer plans)

    Prerequisite:

    A basic understanding of individual income tax

    Advanced Preparation:

    None

    Show details

  • Guide to the Early Distribution Penalty Exceptions for Distributions from Retirement Accounts (IRA6)

    • 18 Sep 2019
    • 1:00 PM - 3:00 PM

    Instructor(s): Denise Appleby, APA, CISP, CRPS, CRC, Mike Tucker, Ph.D., LL.M., J.D., CPA

    CPE Credits: 2

    Register here : https://www.surgentcpe.com/cpe-courses/Retirement-Account-Early-Distribution-Penalty-Exceptions-IRA6


    Overview

    Distributions from retirement accounts that occur before the account owner reaches age 59½ are subject to a 10% additional tax, unless an exception applies. Eligibility for any of these exceptions is determined by several factors, including the type of account from which the distribution is made. Making a wrong move can result in a retirement account owner losing eligibility for an exception. In some cases, exceptions can only be claimed through proper reporting on the individual's tax return.

    Major Topics:

    • Early distribution penalty
    • Exceptions to the age 59½ rule
    • Substantially equal periodic payments
    • Exceptions by plan/account type
    • Transfer and rollover rules and their effects on qualifications for the exceptions
    • Claiming the exception when an IRA custodian's tax reporting shows no exception
    • The rules that apply to the different exceptions

    Learning Objectives

    • Identify distributions that might be subject to the 10% early distribution penalty
    • Ensure that clients who qualified for the exceptions do not pay the 10% early distribution penalty because of conflicting tax reporting by IRA custodians and plan trustees
    • Understand the tax reporting requirements that apply to early distributions
    • Determine suitability for the substantially equal periodic payment program

    Designed for:

    Financial advisors, tax professionals, and individuals who support IRAs and employer plans (employees of financial institutions who answers questions about and handle transactions for IRAs and employer plans)

    Prerequisite:

    A basic understanding of individual income tax

    Advanced Preparation:

    None

    Show details

  • Top 20 Effective Strategies for Avoiding RMD Mistakes and Penalties (IRA5)

    • 29 Oct 2019
    • 1:00 PM - 3:00 PM

    Instructor(s): Denise Appleby, APA, CISP, CRPS, CRC, Mike Tucker, Ph.D., LL.M., J.D., CPA

    CPE Credits: 2

    Register here : https://www.surgentcpe.com/cpe-courses/Top-20-Strategies-Avoiding-RMD-Mistakes-Penalties-IRA5

    Overview

    Required minimum distribution (RMD) must begin for the year in which the account owner reaches age 70½, unless an exception applies. Failure to comply with the RMD rules will result in the account owner owing the IRS a 50% excess accumulation penalty on any RMD shortfall. RMDs must also be taken from inherited accounts, and the process for determining RMDs for these accounts are more complex than those that apply to RMDs for non-inherited accounts. Interested parties must understand the compliance requirements that apply to RMDs, to be able to assist in ensuring that penalties are avoided.

    Major Topics:

    • The definition of a required minimum distribution
    • The types of accounts that are subject to the required minimum distribution rules
    • The parties that are subject to the required minimum distribution rules
    • The process for calculating required minimum distribution
    • Exceptions and special considerations for required minimum distributions
    • Rollover and transfer rules in an RMD year
    • The various responsibilities for interested parties
    • Qualified charitable distributions

    Learning Objectives

    • Define an RMD
    • Understand how RMDs are calculated
    • Recognize the individuals and accounts that are subject to the RMD rules
    • Identify mistakes that can occur, how to avoid such mistakes, and how to correct them where possible

    Designed for:

    Financial advisors, tax professionals, and individuals who support IRAs and employer plans (employees of financial institutions who answers questions about and handle transactions for IRAs and employer plans)

    Prerequisite:

    A basic understanding of individual income tax

    Advanced Preparation:

    None

    Show details

  • Guide to Avoiding the Top 10 IRA Distribution Mistakes (IRA4)

    • 05 Nov 2019
    • 1:00 PM - 3:00 PM

    Instructor(s): Denise Appleby, APA, CISP, CRPS, CRC, Mike Tucker, Ph.D., LL.M., J.D., CPA

    CPE Credits: 2

    Register here :  https://www.surgentcpe.com/cpe-courses/Guide-Avoiding-Top-10-IRA-Distribution-Mistakes-IRA4

    Overview

    Required minimum distribution (RMD) must begin for the year in which the account owner reaches age 70½, unless an exception applies. Failure to comply with the RMD rules will result in the account owner owing the IRS a 50% excess accumulation penalty on any RMD shortfall. RMDs must also be taken from inherited accounts, and the process for determining RMDs for these accounts are more complex than those that apply to RMDs for non-inherited accounts. Interested parties must understand the compliance requirements that apply to RMDs, to be able to assist in ensuring that penalties are avoided.

    Major Topics:

    • The definition of a required minimum distribution
    • The types of accounts that are subject to the required minimum distribution rules
    • The parties that are subject to the required minimum distribution rules
    • The process for calculating required minimum distribution
    • Exceptions and special considerations for required minimum distributions
    • Rollover and transfer rules in an RMD year
    • The various responsibilities for interested parties
    • Qualified charitable distributions

    Learning Objectives

    • Define an RMD
    • Understand how RMDs are calculated
    • Recognize the individuals and accounts that are subject to the RMD rules
    • Identify mistakes that can occur, how to avoid such mistakes, and how to correct them where possible

    Designed for:

    Financial advisors, tax professionals, and individuals who support IRAs and employer plans (employees of financial institutions who answers questions about and handle transactions for IRAs and employer plans)

    Prerequisite:

    A basic understanding of individual income tax

    Advanced Preparation:

    None

    Show details

  • Twenty Essential IRA Tips for Saving Taxes and Avoiding Penalties (IRAS)

    • 11 Dec 2019
    • 1:00 PM - 3:00 PM

    Instructor(s): Denise Appleby, APA, CISP, CRPS, CRC, Mike Tucker, Ph.D., LL.M., J.D., CPA

    CPE Credits: 2

    Register here : https://www.surgentcpe.com/cpe-courses/20-essential-ira-tips-saving-taxes-avoiding-penalties

    Overview

    Years of savings in an IRA or other tax deferred retirement account can be lost to avoidable income tax, IRS penalties and poor tax planning. In many cases, these costs can be avoided by following the provisions in the Internal Revenue Code, IRS regulations and other IRS guidance. These sources, however, are often very complex and can be easily overlooked or misunderstood. This webinar covers 20 tax saving tips that can help account owners avoid pitfalls that frequently cost them a great deal of money.

    Major Topics:

    • One per 12 month rollover rule
    • Rollover tips and traps
    • Options for spousal beneficiaries
    • Net unrealized appreciation
    • Required minimum distributions
    • Roth IRA conversions, recharacterizations and reconversions
    • Pre-age 59 ½ distributions including Form 5329
    • IRA beneficiary related issues and disclaimers

    Learning Objectives

    • Identify and address many commonly encountered issues associated with IRAs

    Designed for:

    Financial advisors, tax professionals, and individuals who support IRAs and employer plans (employees of financial institutions who answers questions about and handle transactions for IRAs and employer plans)

    Prerequisite:

    A basic understanding of individual income tax

    Advanced Preparation:

    None

    Show details

Past events

17 Jul 2019 How to Split Retirement Accounts as Part of a Divorce Settlement (IRA3)
12 Jun 2019 Top 20 Roth Rules to TaxFree Retirement Income Through Roth Accounts (IRA2)
05 Jun 2019 IRAs and Retirement Accounts for Life-changing Events: Marriage, Divorce, Retirement and Death (ILCE)
08 May 2019 2019 MOKAN Trust & Financial Services Conference
20 Mar 2019 IRA Updates and Reminders
12 Dec 2018 Twenty Essential IRA Tips for Saving Taxes and Avoiding Penalties
05 Nov 2018 Top 10 Factor for Choosing Between a SEP IRA and a SIMPLE IRA
29 Oct 2018 Guide to the Early Distribution Penalty Exceptions for Distributions from Retirement Accounts
18 Sep 2018 Top 20 Effective Strategies for Avoiding RMD Mistakes and Penalties
23 Aug 2018 New Planning Strategies for Retirement Account Rollovers and Transfers
15 Aug 2018 New Planning Strategies for Retirement Account Rollovers and Transfers
10 Aug 2018 Guide to Avoiding the Top 10 IRA Distribution Mistakes
26 Jul 2018 Creditor Protection of Retirement Plan Assets
17 Jul 2018 Guide to the Fundamental Rules of Tax-Free Roth 401(k)s
28 Jun 2018 Leveraging the Social Security Claiming Decision to Uncover Opportunities to Bring Value to Your Clients and Prospects
11 Jun 2018 Top 20 Roth Rules to Tax Free Retirement Income Through Roth Accounts
31 May 2018 Beneficiary Options for IRAs and Employer Sponsored Retirement Plans:-Designations, Distributions and Avoiding Traps
15 May 2018 Guide to Avoiding Tax Traps for Beneficiary Distributions from IRAs and Employer-Sponsored Retirement Plans
19 Apr 2018 Rollover Strategies: Rules, Limitations and Exceptions for Retirement Plans and IRAs
22 Nov 2017 20 Essential IRA Tips for Saving Taxes and Avoiding Penalties (IRAS)- Surgent
02 Oct 2017 20 Essential IRA Tips for Saving Taxes and Avoiding Penalties (IRAS)- Surgent
24 Sep 2017 Distribution, rollover and beneficiary tax planning for defined contribution plans and IRAs
24 Sep 2017 Distribution, rollover and beneficiary tax planning for defined contribution plans and IRAs
31 Aug 2017 Lunch and Learn IRA Techniques with Denise Appleby: August to December 2017
09 Aug 2017 What Tax Practitioners Should Know about Required Minimum Distributions from IRAs and Qualified Plans - Edward Jones
01 Aug 2017 The Most Tax Advantaged Ways of Getting Money Out of Your IRA or Pension Plan (GMOI)-through Surgent
19 Jan 2017 SUBSTANTIALLY EQUAL PERIODIC PAYMENTS (SEPP)/72(t) DISTRIBUTIONS
12 Dec 2016 Essential IRA Tips for Saving Taxes and Avoiding Penalties
08 Dec 2016 Three Critical Roth Conversion Rules Every Advisor Should Know
06 Dec 2016 FREE Webinar-IRA Year-End Reminders, Updates and Open IRA-Forum
24 Nov 2016 401(k) Plans for Small Business Owners (SBO-K)- Key Reminders
17 Nov 2016 Effective Strategies for Avoiding RMD Mistakes and Penalties
10 Nov 2016 Roth 401(k)s - Fundamentals of Designated Roth Accounts (DRA)s
27 Oct 2016 Rollovers Strategies for Asset Consolidation in retirement accounts : Rules, Limitations and Exceptions for IRAs and other retirement accounts
20 Oct 2016 “Rollovers and Transfers for Employer Plans and IRAs: Before and after death legalities and practical tips"
29 Sep 2016 IRA 4th QTR Reminders, Updates and Open IRA-Forum
18 Aug 2016 Top 20 IRA Rules Every Tax Practitioner Should Know (IRUL)
10 Aug 2016 Top 20 IRA Rules Every Tax Practitioner Should Know (IRUL)
01 Aug 2016 The Most Tax Advantaged Ways of Getting Money Out of Your IRA or Pension Plan (GMOI)
14 Jul 2016 Surgent's Ins and Outs of Setting Up and Administering Solo 401(k)'s for Your Clients (S401)
24 Jun 2016 The Best Planning Strategies for Taking Early and Required Minimum Distributions for IRAs and Qualified Plans (PSMD)
23 Jun 2016 The New Fiduciary Rules: How They Affect Financial Advisors
23 May 2016 Ins and Outs of Self-Directed IRAs (IOSD)
11 May 2016 Rules for Contributing to Multiple Retirement Plans
04 Apr 2016 Essential IRA Tips for Saving Taxes and Avoiding Penalties
23 Mar 2016 Tax Planning Tips and Solutions for IRA and Small Business Owners
07 Dec 2015 The Best Planning Strategies for Taking Early and Required Minimum Distributions for IRAs and Qualified Plans (PSMD)
19 Nov 2015 IRA Year-End Reminders, Updates and Open IRA-Forum
13 Nov 2015 The Most Tax Advantaged Ways of Getting Money Out of Your IRA or Pension Plan (GMOI)
02 Nov 2015 Surgent's Guide to What You Need to Know About Roth IRA's (RIRA)
28 Oct 2015 Surgent's Ins and Outs of Setting Up and Administering Solo 401(k)'s for Your Clients (S401)
22 Oct 2015 Simplifying Self-Directed IRAs for You and Your Clients
24 Sep 2015 The Top 5 Roth Conversions and Recharacterization Rules
17 Sep 2015 Ins and Outs of Self-Directed IRAs (IOSD)
16 Sep 2015 All-Star Tax Series -IRAs from A to Z: What Tax Practitioners Need to Know (IRAZ)
27 Aug 2015 The Top Ten SIMPLE IRA Rules
31 Jul 2015 The Most Tax Advantaged Ways of Getting Money Out of Your IRA or Pension Plan (GMOI)
21 Apr 2015 Beneficiary Options for IRAs and Employer Sponsored Retirement Plans - Designations, Distributions and Avoiding Traps
07 Apr 2015 An Introduction to rollover and transfers rules for Retirement Accounts
17 Mar 2015 Tax Planning Tips and Solutions for IRA and Small Business Owners
21 Jan 2015 Rollovers and Transfers: Rules, Limitations, Exceptions - Focus on IRAs
17 Dec 2014 Taxation of Traditional IRAs and Roth IRAs
10 Dec 2014 FREE IRA Year-End Updates and Open IRA-Forum
19 Nov 2014 Early Distributions: Penalties and Exceptions- Focus on SEPP/72(t) Distributions
12 Nov 2014 Traditional IRA Distributions: Optional, Required, Penalties
22 Oct 2014 IRA BENEFICIARY MATTERS: DESIGNATIONS, DISTRIBUTION OPTIONS, AND AVOIDING TRAPS
24 Sep 2014 REQUIRED MINIMUM DISTRIBUTION RULES FOR IRAS: RULES, ROLES AND RESPONSIBILITIES
10 Sep 2014 ROTH CONVERSIONS AND RECHARACTERIZATIONS
20 Aug 2014 Rollovers and Transfers: Rules, Limitations, Exceptions - Focus on IRAs
16 Oct 2013 REQUIRED MINIMUM DISTRIBUTION RULES FOR IRAS: RULES, ROLES AND RESPONSIBILITIES
18 Sep 2013 IRA BENEFICIARY MATTERS: DESIGNATIONS, DISTRIBUTION OPTIONS, AND AVOIDING TRAPS
09 Sep 2013 ROTH CONVERSIONS AND RECHARACTERIZATIONS
23 Jan 2013 Early Distributions: Penalties and Exceptions- Focus on SEPP/72(t) Distributions
20 Nov 2012 REQUIRED MINIMUM DISTRIBUTION RULES FOR IRAS: RULES, ROLES AND RESPONSIBILITIES
16 Oct 2012 IRA BENEFICIARY MATTERS: DESIGNATIONS, DISTRIBUTION OPTIONS, AND AVOIDING TRAPS
18 Sep 2012 ROTH CONVERSIONS AND RECHARACTERIZATIONS
07 Aug 2012 SIMPLE IRAs Simplified
05 Mar 2012 Webinar: SEPP-72(t) Distributions- An overview

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Fax: 888-524-3120

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