Denise Appleby, CISP, CRC, CRPS, CRSP, APA, is a retirement plans consultant, trainer, freelance writer, editor and owner of Appleby Retirement Plans Consulting, located on the web at www.applebyconsultinginc.com and www.RetirementDictionary.com. Denise's retirement plans related experiences include working as a Retirement Plans Product Manager, Training Manager, Compliance Consultant, Technical Help Desk Manager and Writer. She has written over two hundred articles for many financial newsletters including www.Investopedia.com, Pershing LLC's SixtySomething, The Pershing Press and Ed Slott's IRA Advisor. Denise is also a co-author of The CPA's Guide to Retirement Plans for Small Businesses, a publication of the American Institute of Certified Public Accountants (AICPA).

Denise is a frequent speaker at seminars where she explains the importance of saving for retirement, and how to prevent paying avoidable taxes and penalties on distributions from retirement plans. Denise has appeared on CNBC's Business News, where she gave insights on saving and planning for retirement. Denise has earned the following professional designations: The Accredited Pension Administrator (APA) from the National Institute of Pension Administrators, the Certified IRA Services Professional (CISP) designation from the Institute of Certified Bankers; the Chartered Retirement Plans Specialist (CRPS) designation from the College for Financial Planning; Certified Retirement Services Professional (CRSP) designation from the Institute of Certified Bankers; and the Certified Retirement Counselor (CRC) designation from the International Foundation for Retirement Education (InFRE).