Denise Appleby

More From Denise Appleby

5 Common Errors to Fix in Your IRA Before the IRS Flags Them

Audit your IRA before the Internal Revenue Service does.

Denise Appleby Jun 18, 2024

Inherited IRA Investors Get Another Break, but the Clock Is Ticking on RMDs

Plus, two cheap utilities stocks as AI transforms the overlooked sector into a growth opportunity.

Denise Appleby May 17, 2024

Avoid RMD Shortfalls With These 5 Top Rules on Life Expectancy

How to use the right life expectancy table to calculate RMDs for inherited IRAs.

Denise Appleby May 15, 2024

IRS Extends Waiver of Excise Tax for Inherited IRAs, but Not RMDs

The waiver for certain beneficiaries subject to the 10-year rule has been extended to 2024. Here’s what to know.

Denise Appleby Apr 24, 2024

What to Know About Recharacterizing Your IRA Contribution

You can switch your traditional or Roth IRA contribution, but critical rules apply.

Denise Appleby Apr 17, 2024

How to Make a Tax-Free Donation From Your IRA

Follow these 10 rules for qualified charitable distributions.

Denise Appleby Mar 20, 2024

Uncashed IRA Distribution Check? Here’s What to Do

Tax treatment depends on who wrote the check.

Denise Appleby Feb 14, 2024

Miss Taking Your RMD? How to Know if You’re Off the Hook for the Excise Tax

Inherited IRAs require distributions, but there are exceptions.

Denise Appleby Jan 17, 2024

Last-Minute Roth IRA Conversion Planning Tips

Operational procedures matter as much as suitability.

Denise Appleby Dec 21, 2023

Answers to Your Roth IRA Questions

Determining the taxability of Roth IRA distributions is complex, so keep good records to avoid penalties.

Denise Appleby Nov 20, 2023

Is Your Roth IRA Distribution Taxable?

Two easy steps to assess the taxability of Roth IRA distributions.

Denise Appleby Oct 18, 2023

SEP IRA vs. Qualified Retirement Plan: Which Is Better for a Small Business?

Knowing the key features makes it easier to choose.

Denise Appleby Sep 21, 2023

SEP vs. SIMPLE IRAs: 5 Key Suitability Questions for Small Businesses

Business size, plan simplicity, and flexibility will impact which is the right fit.

Denise Appleby Aug 16, 2023

How Retirement Plans Can Aid Your Client’s Small Business Growth

When done right, retirement plans can provide strong tax benefits and encourage employee loyalty.

Denise Appleby Jul 19, 2023

Why Roth IRAs Rock

Investors have more ways than ever to fund Roth accounts under the Secure Act.

Denise Appleby Jun 13, 2023

What Is the Right Option for a Spouse IRA Beneficiary?

Secure Act 1.0 adds new considerations for spouse beneficiaries.

Denise Appleby May 24, 2023

How to Convert a 529 Plan to a Roth IRA

See if you’re eligible for this Secure 2.0 provision.

Denise Appleby Apr 20, 2023

How the 10-Year RMD Rules Work for Inherited IRAs

Rules work differently for each class of beneficiary.

Denise Appleby Mar 21, 2023

How Secure 2.0 Helps Protect Investors From Penalties and Excise Taxes

What your clients should know about the 90 provisions covered in the act.

Denise Appleby Feb 23, 2023

Denise Appleby is CEO of Appleby Retirement Consulting Inc., a firm that provides consulting on the tax laws and operational requirements that apply to IRAs and employer plan accounts. She is also the creator and CEO of www.retirementdictionary.com, a free consumer website. Her quick reference manual, "IRA Quick Reference Guide," which is updated annually, is a popular resource for financial and tax professionals and is highly recommended by Natalie Choate, author and speaker on estate and distribution planning for retirement benefits. Follow Denise on social media @ApplebyIRA.

The views expressed in this article do not necessarily reflect the views of Morningstar.

IRA Quick Reference Guide