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Speaker, author, teacher, consultant: I teach/consult to financial, tax, and legal professionals about the tax laws that govern IRAs and employer plans
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Denise Appleby, MJ, CISP, CRC, CRPS, CRSP, APA
CEO, Appleby Retirement Consulting Inc.
Denise Appleby is a nationally recognized retirement account consultant, author, and educator specializing in the technical and operational rules governing IRAs and employer-sponsored retirement plans. Known as “The IRA Whisperer,” she works with financial advisors, CPAs, attorneys, and financial institutions to help protect retirement savings from costly mistakes.
Financial advisors and CPAs consult with Denise on the rules that apply to their clients’ retirement accounts and the operational requirements for carrying out transactions. Her work includes IRA contributions, retirement plans for small businesses, rollovers, Roth conversions, required minimum distributions, beneficiary distributions, and tax reporting. She helps these professionals evaluate available options, identify potential pitfalls, and, when possible, correct errors that could undermine an otherwise sound planning strategy.
Her work with attorneys focuses on the practical requirements for handling retirement assets, particularly after an account owner’s death. She helps attorneys navigate beneficiary distribution requirements, inherited account transfers, surviving spouse options, required minimum distributions, and correction procedures. Her consulting helps attorneys understand the IRA and retirement plan rules and operational requirements that affect the implementation of their clients’ estate plans.
Denise also provides training for financial, tax, and legal professionals and regularly speaks at national conferences. She is known for explaining complex retirement account rules in understandable terms. Her presentations combine technical analysis with real-world cases to show how paperwork, transaction instructions, and administrative procedures can affect the outcome of a planning strategy.
Denise is the author of The IRA Guidebook and The IRA Quick Reference Guide: A Compilation of IRA Quick Reference Guides, the creator of IRAPublications.com, and a co-author of the Roth IRA Answer Book and SEP/SIMPLE Answer Book. Her writing has appeared in Morningstar, Forbes, Horsesmouth, Investopedia, and other professional publications.
She has appeared on CNBC and Fox Business Network and has been quoted in The Wall Street Journal, Investor’s Business Daily, and other financial publications.
Denise holds a Master of Jurisprudence in Employee Benefits from the University of Illinois Chicago School of Law.
Connect with Denise:
LinkedIn | Social media: @ApplebyIRA
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Author
With her experience, interests and qualifications dedicated to retirement plans, Denise has co-authored the following books on retirement accounts:
- Roth IRA Answer Book, Published by Aspen Publishers. The Roth IRA Answer Book, provides an up-to-the-minute tutorial on this subject for a wide variety of professional markets, including pension consultants, insurance agents, financial planners and investment advisors, plan administrators, lawyers, and accountants, as well as businesses that promote, market, service, or provide technical support to retirement plans, products, and related services. It also provides in-depth coverage of the administration and operation of Roth IRAs. A team of practicing experts analyzes the most recent developments in practice, as well as legislation, regulation, and law. It is the one resource that takes pension professionals step by step through all aspects of plan administration and compliance.
- SIMPLE, SEP, and SARSEP Answer Book, 2022 Edition, provides updated and expanded coverage of legislative and regulatory developments and changes affecting SIMPLE, SEP, and SARSEP plans including the Taxpayer Certainty and Disaster Tax Relief Act of 2020, the Setting Every Community Up for Retirement Enhancement Act of 2020 (SECURE Act), and the Coronavirus Aid, Relief, and Economic Security (CARES) Act.
- Quick Reference to IRAs, Published by Aspen Publishers. The Quick Reference to IRAsprovides attorneys, accountants, financial planners, and consultants - along with their clients - with the essential facts and advice regarding the planning, implementation, and administration of IRAs.
- Adviser's Guide to Retirement Plans for Small Businesses, Published byAICPA. The Adviser's Guide to Retirement Plans for Small Businesses is designed to provide you with the knowledge and tools you need to offer strategic advice about retirement plans. In 30 chapters, you’ll find discussion of statutory requirements, the legal structure of various plan types, as well as detailed information on plan design, establishment, monitoring, administration, correction of failures, and termination.