Ms. Appleby is CEO of Appleby Retirement Consulting Inc. which provides IRA tools and resources for financial and tax professionals. She has over 22 years of experience in the retirement plans field and has co-authored several books and written over 500 articles on retirement rules and regulations. Denise is also the CEO of www.retirementdictionary.com, a free consumer website about retirement-account rules and regulations. For more information about Denise, visit www.DeniseAppleby.com.