Denise Appleby

Denise Appleby, MJ, APA, AKS, CISP, CRC, CRPS, CRSP is the CEO of Appleby Retirement Consulting Inc., where she specializes in the complex rules governing IRAs and employer retirement plans. With more than two decades of experience, Denise is widely recognized for her deep technical expertise in retirement plan distributions, beneficiary rules, and operational compliance.

Denise works closely with financial advisors, attorneys, CPAs, and plan administrators, helping them navigate the intricate regulatory framework that governs retirement accounts. Her practical, real-world approach focuses on identifying risks, resolving administrative challenges, and ensuring that retirement assets are preserved and distributed in accordance with both client intent and regulatory requirements.

A nationally recognized speaker, Denise has presented for leading organizations including the Investment and Wealth Institute, the American College of Financial Services, and major industry conferences. She is also a published author and contributor to respected industry platforms, where she provides guidance on evolving retirement regulations and planning strategies.

Known as “The IRA Whisperer,” Denise combines technical precision with clear, accessible explanations, equipping professionals with the knowledge they need to avoid costly mistakes and deliver better outcomes for their clients.