Podcast appearances and mentions of denise appleby

Show Notes:Post on X from Jason Goepfert on 3.17 - https://x.com/jasongoepfert/status/1901733953238634786? Post on X from Ryan Detrick on 3.13 - https://x.com/ryandetrick/status/1900188476055715893? Article from Denise Appleby with Morningstar with commentary from Kitces.com titled “How to Fix Misleading Reporting on Clients' 1099-R” - How To Fix 'Misleading' Reporting On Clients' Form 1099-R

Hi, and welcome to The Long View. I'm Christine Benz, director of personal finance and retirement planning for Morningstar. Today on the podcast, we welcome back retirement and tax expert Ed Slott. Ed is the president and founder of Ed Slott & Company, which provides retirement and tax-planning education to investment advisors and financial institutions. Ed has written several books, including his latest, The Retirement Savings Time Bomb Ticks Louder. PBS viewers may know Ed from his frequent appearance on public television. Ed also co-hosts a podcast with Jeff Levine, called The Great Retirement Debate. In addition, he hosts the popular website IRAHelp.com, where the Slott report regularly dispenses wisdom about retirement, tax, and estate planning. Ed is a certified public accountant.BackgroundBio“Ed Slott: Act Now on Historically Low Tax Rates,” The Long View podcast, Morningstar.com, Aug. 19, 2020.The Great Retirement Debate podcastThe Retirement Savings Time Bomb Ticks Louder, by Ed SlottTax-Loss Harvesting“The Ins and Outs of Tax-Loss Selling,” Interview with Christine Benz and Ed Slott, Morningstar.com, Dec. 14, 2022.“The Best Investments for Taxable Accounts,” by Christine Benz, Morningstar.com, Jan. 23, 2024.“Yes, You Can Still Find Tax-Loss Harvesting Opportunities in 2024,” Investing Insights with Christine Benz and Margaret Giles, Morningstar.com, Nov. 22, 2024.“The Big Retirement Myth,” Interview with Christine Benz and Ed Slott, Morningstar.com, Aug. 7, 2024.Required Minimum Distributions and IRAs“IRS Issues Final SECURE Act Regulations: Controversial Annual RMD Requirement During 10-Year Rule Stands,” by Sarah Brenner, irahelp.com, July 22, 2024.“Best Advice? Ignore the 10-Year RMD Rule,” by Ed Slott, investmentnews.com, Aug. 19, 2024.“The New Rules for Missed RMDs,” Interview with Christine Benz and Ed Slott, Morningstar.com, July 24, 2024.“Brace Yourself for Higher RMDs in 2024,” Interview with Christine Benz and Ed Slott, Morningstar.com, March 13, 2024.“Inherited IRAs: What to Know About Taxes, RMDs, and More,” by Tori Brovet, Morningstar.com, Sept. 13, 2024.Qualified Charitable Distribution“12 QCD Rules You Must Know,” by Sarah Brenner, irahelp.com, July 10, 2024.“Year-End QCD Mistakes to Avoid,” by Ed Slott, investmentnews.com, Nov. 18, 2023.“Year-End Charitable-Giving Strategies,” Interview with Christine Benz and Ed Slott, Morningstar.com, Nov. 1, 2023.Tax-Law Changes in 2025“401(k) Contribution Limits Increase for 2025,” by Sarah Brenner, irahelp.com, Nov. 6, 2024.“Higher Catch-Up Contributions Available for Certain Older Employees Starting in 2025,” by Ian Berger, irahelp.com, Oct. 21, 2024.“IRS Announces New Income Limits for IRA Contributions in 2025,” by Denise Appleby, Morningstar.com, Nov. 20, 2024.“Ed Slott: What Investors Need to Do Before the Tax Cuts and Jobs Act Expires,” Interview with Christine Benz and Ed Slott, Morningstar.com, Feb. 6, 2024.

“Prevention is better than cure. Don't feel overwhelmed by all this. Would you remove your own kidney? You would go to a professional to get it done.” -Denise Appleby   Renowned IRA and retirement plans expert Denise Appleby joins our hosts Stephanie McCullough and Kevin Gaines for a crucial conversation on managing your retirement accounts effectively, especially as 2024 comes to a close.   Having trained thousands of financial, tax, and legal professionals, Denise shares her invaluable insights on year-end retirement planning strategies, covering the complexities of Required Minimum Distributions (RMDs) and the potential pitfalls of rollovers.   They talk about the challenges family members face when inheriting IRAs and handling 401(k) withdrawals, including those aged 73 and older.   In addition to RMDs, they also cover Roth conversions and Qualified Charitable Distributions (QCDs), giving you much-needed clarity on suitability assessments and precise reporting needs.   Denise explains the differences between transfers and rollovers, providing real-life examples of costly mistakes and IRS penalties that typically come from common misunderstandings. By sharing these cautionary tales, Denise demonstrates the importance of consulting knowledgeable financial advisors to guide you through these often-daunting processes, ensuring your retirement plan remains on track!   Key Topics: How to Manage Your Retirement Accounts Before the Year Ends (3:38) Navigating IRS Publications and Regulations (10:18) What's Eligible for a Rollover? (22:38) Understanding Beneficiary IRAs and R&D (27:30) Direct Versus Indirect Roth Conversions (38:28) A Primer on Qualified Charitable Distributions (46:42) Stephanie and Kevin's Key Takeaways (59:45)   Resources: DeniseAppleby.com Take Back Retirement Episode 12: What Women Need to Know About IRA's, with Sarah Brenner Take Back Retirement Episode 20: Women + Roth IRA's – What Should You Be Aware Of? Take Back Retirement Episode 58: Secure Act 2.0: New Retirement Account Rules, Same Old Message! Take Back Retirement Episode 78: The Essential Rules to Know When You Inherit an IRA     If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Host Eric Ludwig, PhD, CFP® joins Denise Appleby – creator and CEO of Appleby Retirement Consulting and a preeminent retirement planning thought leader – for an in-depth look at new RMD regulations and what they mean for retirement planning, including new SECURE 2.0 updates to beneficiaries and more. You can also find more specialized knowledge from Appleby on retirement planning through The College's subscription platform, Knowledge Hub+! Find all episodes now at TheAmericanCollege.edu/Shares.

Denise Appleby, IRA Quick Reference Guide author known as The IRA Whisperer, clears up the confusion about what the IRS waived concerning inherited IRAs in 2024. Travis Miller, energy and utilities strategist for Morningstar Research Services, talks about how the artificial intelligence boom is driving data center demand. He also points to 2 cheap utility stocks expected to benefit. Disney's Improved Streaming Results  Uber's Strong Financial Results in 2024Palantir's Performance Led by AI PlatformOpportunities with Artificial Intelligence and Utility StocksUtility Stocks: When Will the Market Give the Sector Some Respect?Where Do Utilities Fit into AI Growth?How Higher For Longer Interest Rates Could Affect Utilities  Utility Stock Picks  New Rules for Inherited IRAsWithdrawals from Inherited IRAs and the 10-Year RuleImportant Distinction About What the IRS Waived in 2024Tax Implications for Inherited IRAs Will the IRS Suspend the Withdrawal Penalty for Inherited IRAs in 2025? Read about topics from this episode.  Disney Earnings: Improved Streaming Results Come at the Expense of Continued Linear Weakness Uber Earnings: Network Effect Continues to Drive Profitable Growth for Uber Palantir Earnings: AI Platform Drives Strong Start to 2024 Utility Stocks: When Will the Market Give the Sector Some Respect? IRS Extends Waiver of Excise Tax for Inherited IRAs, but Not RMDs  What to watch from Morningstar.Short-Term Market Volatility Could Provide Long-Term Investing Opportunities Magnificent Seven Stocks: What's Going on With Apple, Tesla, and Alphabet?Covered Call and Buffer ETFs: Do the Pros Outweigh the Cons?Make These Investing Moves Now for a Better Tax Day in 2025 Read what our team is writing:Ivanna HamptonTravis Miller Denise Appleby  Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

In this Episode of the Secure Your Retirement Podcast, Radon and Murs have Denise Appleby to discuss the Roth IRA 5-year rule in more detail. Denise is the CEO of Appleby Retirement Consulting Inc., a firm that provides IRA tools and resources for financial and tax professionals.She explains the nuances around two separate Roth IRA 5-year rules and what you need to take distributions from a Roth IRA if you're aged 59 and a half or below. Listen in to learn the importance of starting your Roth IRA 5-year clock earlier and protecting your records to avoid paying taxes you don't owe.In this episode, find out:Denise explains the nuances around two separate 5-year rules and what they mean.Understanding what you need to take distributions from a Roth IRA if you're 59 and a half.The importance of proper record keeping and protection to avoid paying taxes you don't owe.Why you don't need to keep tracking the 5-year rule if you're aged 59 and a half and have had a Roth IRA for at least five years.Why it needs to be a Roth IRA to start your 5-year clock instead of a Roth 401k.The questions beneficiaries need to ask about Roth IRA when dealing with an inherited account.Tweetable Quotes:“The first 5-year rule is used to determine if a Roth IRA distribution is qualified, and for that 5-year rule, it starts January 1 of the first year for which you fund your Roth IRA, and it never starts over.”- Denise Appleby“As taxpayers, we have to be responsible for protecting ourselves as is allowed under the tax code, or we're going to pay taxes we don't owe because we don't know we don't owe.”- Denise ApplebyGet in Touch with Denise:LinkedIn: https://www.linkedin.com/in/deniseappleby/Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs have Denise Appleby to discuss how the Secure Act 2.0 can affect your retirement plan. Denise is the CEO of Appleby Retirement Consulting Inc., a firm that provides IRA tools and resources for financial and tax professionals.She explains the good provisions of the Secure Act 2.0 that benefit domestically abused spouses, terminally ill patients, the 529 beneficiaries, and so much more. Listen in to learn why you should talk to a financial advisor to help you do IRA transfers instead of jumping into a rollover without any guidance.In this episode, find out:The confusion the age change of taking Required Minimum Distributions (RMDs) is creating.Understanding the meaning of a rollover as part of RMDs and how it works.Denise explains the good provisions of the Secure Act 2.0.The 529 plan and the stipulations they put in place to govern it's rolling over into a Roth IRA.How to avoid making an IRA rollover mistake by talking to an experienced financial advisor.Understanding an IRA rollover and why you have to be careful how you move your money.Why you should do a trustee-to-trustee IRA transfer instead of a rollover.Denise's retirement dictionary, where she breaks down retirement language into simple English.Tweetable Quotes:“Don't believe everything you read online; talk to a financial advisor and interview them just as you would your physician.”- Denise Appleby“You really want to do a trustee-to-trustee IRA transfer and never a rollover.”- Denise ApplebyGet in Touch with Denise:LinkedIn: https://www.linkedin.com/in/deniseappleby/Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Growing up in Jamaica, retirement planning was simple for the friends and family of Denise Appleby, owner of Appleby Retirement Consulting Inc. “People would just get old and live off the land," she says. "My aunt raised chickens and had a garden. Her husband would go to the beach and come back with fish." After moving to the United States, Denise began working in the IRA department for Pershing LLC, a clearing house. Denise discovered she had a passion for the laws behind retirement plans. She read everything she could get her hands on, including the actual tax codes. She soon became the go-to person at her firm for answering questions, even for the legal department. You can find show notes and other information at CarsonGroup.com/Framework.

Do you ever feel that retirement plan rules are changing too fast? It can be hard to keep up with the changes to IRAs, 401ks, and RMDs – especially this year. The Secure Act and the Cares Act present some unique tax benefit opportunities that you may want to take advantage of. However, knowing what they are, if you fit the requirements, and how long they last, can be confusing. We invited Denise Appleby, CEO of Appleby Retirement Consulting Inc., onto this episode of podcast to share her insights into the ever-changing world of IRAs so you can make the most of any potential tax benefits. Denise is our go-to consultant for IRA questions as she has over 20 years of experience in the retirement plans sector. We were delighted that she could join us, and hope that this episode is useful to you. In this episode find out: How the Secure Act is affecting IRAs – including the 10% additional tax on distributions that most people don’t know about How the Secure Act changed the stretch IRA What a QCD (qualified charitable distribution) is and why you should consider making one Why you do not have to take RMDs in 2020 under the Cares Act The three significant tax benefits from Coronavirus related distributions Tweetable Quotes: “It doesn't matter what your age is, you can make a contribution to a traditional IRA as long as you have eligible compensation. This rule applies to contributions that are made for 2020 and after.” – Denise Appleby “Typically, when you take a distribution from your retirement account, it has to be included in income for the year distribution. But a Coronavirus related distribution is an exception to that.” – Denise Appleby “If 2020 has taught us anything, it’s that these rules are a moving target. So, if you read an article online, listen to a radio show, or heard some information, don't assume that that information is going to be correct tomorrow.” – Denise Appleby Important Links & Mentions: Denise’s https://www.linkedin.com/in/deniseappleby/ (LinkedIn) https://applebyconsultinginc.com/ (Appleby Retirement Consulting Inc.) If you’ve got any questions that you’d like to ask Radon and Murs, we want you to get in touch! Text us on +1 (984) 207-1753. Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit http://pomwealth.net/podcast (POMWealth.net/podcast). To receive our free book, Get Off the Retirement Rollercoaster, leave a 5-star rating review on Apple Podcasts and send a screenshot to mailto:morgan@pomwealth.net.

How the SECURE and CARES Acts Changed Retirement Distribution OptionsJoin Denise and Katana as they discuss:• How the SECURE Act changed distribution options for inherited retirement accounts.• Ways to identify who is eligible for COVID-19-related distribution.• Strategies for understanding the changes made to the Required Minimum Distribution rules for 2020.Denise Appleby is CEO of Appleby Retirement Consulting Inc., a firm that provides IRA tools and resources for financial, tax and legal professionals. She has over 20 years of experience in the retirement plans field, which includes providing training and technical consultation. Denise writes and publishes quick reference guides, booklets, and marketing tools for advisors. She has also co-authored several books. Denise is a graduate of The John Marshall Law School, where she obtained a Master of Jurisprudence in Employee Benefits and has earned 5 professional designations in the field of retirement account rules and regulations.Visit www.deniseappleby.com to learn more about Denise

Join us as we'll discuss:How to avoid the 50% excess accumulation penalty.How to avoid the 6-percent excise tax.How to avoid destroying the tax benefits available to an IRA. Denise Appleby is CEO of Appleby Retirement Consulting Inc, a firm that provides IRA tools and resources for financial and tax professionals. She has over 15 years of experience in the retirement plans field, and has co-authored several books and written over 400 articles on IRA rules and regulations.Denise is also CEO of the consumer website that provides free information about IRAs, www.retirementdictionary.com To learn more about Denise click here www.DeniseAppleby.com.

Bob Keebler interviews Denise Appleby and Mike Jones. Their topic is RMDs IN YEAR OF CONVERSION. Bob Keebler of Baker-Tilley is a recipient of the prestigious National Association of Estate Planners and Councils? Distinguished Estate Planners award. A LISI Commentator Team member, he is the Editor-in-Chief of CCH's Journal of Retirement Planning and a member of CCH?s Financial and Estate Planning Advisory Board. Denise Appleby is owner of Appleby Retirement Consulting (applebyconsultinginc.com), a firm which provides retirement planning tools and resources ? including newsletter content - to financial and tax planning professionals. Denise is creator and CEO of http://www.retirementdictionary.com and can be reached at Denise@applebyconsultinginc.com Mike Jones, a partner in Thompson Jones LLP, in Monterey, California, is a consultant in the areas of wealth transfer strategy, trust and probate matters, and family business transitions. Mike is a LISI Commentator Team member and author of The Pension Answer Book: Special Supplement on the Final Regulations Governing Minimum Required Distributions (Panel Publishers). Mike serves on the Editorial Advisory Board of Trusts and Estates as Chair, Retirement Benefits Committee. This Podcast is sponsored by Leimberg Information Services, Inc. at http://www.leimbergservices.com Please visit our software, books, and PowerPoint Presentations site at http://www.leimberg.com

Bob Keebler interviews Denise Appleby and Mike Jones. Their topic is RMDs IN YEAR OF CONVERSION. Bob Keebler of Baker-Tilley is a recipient of the prestigious National Association of Estate Planners and Councils? Distinguished Estate Planners award. A LISI Commentator Team member, he is the Editor-in-Chief of CCH's Journal of Retirement Planning and a member of CCH?s Financial and Estate Planning Advisory Board. Denise Appleby is owner of Appleby Retirement Consulting (applebyconsultinginc.com), a firm which provides retirement planning tools and resources ? including newsletter content - to financial and tax planning professionals. Denise is creator and CEO of http://www.retirementdictionary.com and can be reached at Denise@applebyconsultinginc.com Mike Jones, a partner in Thompson Jones LLP, in Monterey, California, is a consultant in the areas of wealth transfer strategy, trust and probate matters, and family business transitions. Mike is a LISI Commentator Team member and author of The Pension Answer Book: Special Supplement on the Final Regulations Governing Minimum Required Distributions (Panel Publishers). Mike serves on the Editorial Advisory Board of Trusts and Estates as Chair, Retirement Benefits Committee. This Podcast is sponsored by Leimberg Information Services, Inc. at http://www.leimbergservices.com Please visit our software, books, and PowerPoint Presentations site at http://www.leimberg.com

Bob Keebler interviews Denise Appleby and Mike Jones. Their topic is RMDs IN YEAR OF CONVERSION. Bob Keebler of Baker-Tilley is a recipient of the prestigious National Association of Estate Planners and Councils? Distinguished Estate Planners award. A LISI Commentator Team member, he is the Editor-in-Chief of CCH's Journal of Retirement Planning and a member of CCH?s Financial and Estate Planning Advisory Board. Denise Appleby is owner of Appleby Retirement Consulting (applebyconsultinginc.com), a firm which provides retirement planning tools and resources ? including newsletter content - to financial and tax planning professionals. Denise is creator and CEO of http://www.retirementdictionary.com and can be reached at Denise@applebyconsultinginc.com Mike Jones, a partner in Thompson Jones LLP, in Monterey, California, is a consultant in the areas of wealth transfer strategy, trust and probate matters, and family business transitions. Mike is a LISI Commentator Team member and author of The Pension Answer Book: Special Supplement on the Final Regulations Governing Minimum Required Distributions (Panel Publishers). Mike serves on the Editorial Advisory Board of Trusts and Estates as Chair, Retirement Benefits Committee. This Podcast is sponsored by Leimberg Information Services, Inc. at http://www.leimbergservices.com Please visit our software, books, and PowerPoint Presentations site at http://www.leimberg.com