Hello Denise,


I hope all is well with you.  I wanted to take a moment to let you know how one of your Cheat Sheets helped me out today.


I referred to the IRA Deductibility sheet to verify a question I thought I knew the answer to.  The question was whether one is active participant in a 401k plan if they have a plan at work but do not participate in the plan.  I mistakenly thought they were covered by a plan, but found out I was incorrect. 


We discussed the potential contributions and forfeitures that could change that, but you saved me from spreading some misinformation.


Thank you and hope you have a great day!

Bob M.

"Denise Appleby has created charts summarizing Roth vs. traditional IRA, portability (what type of plan can be rolled into what other type of plan), and more. I wish everyone who answers an 800 number at the big financial firms had these charts, so there would be fewer incidents of erroneous advice." ~ Natalie B. Choate, Esq.

I purchased the Appleby Cheat Sheets last year and have found them very valuable and useful on numerous occasions. They have been particularly helpful when I am with a client or prospect and the client/prospect has a question about something specific. Even if I know the answer I still pull out the Appleby Cheat Sheet in front of the client. It is a great third party piece to let the client/prospect know that your information is correct.

Steven G Johnson, Retirement Solutions Group, Inc.
Williamsburg, VA

"Denise I received my cheat-sheets in the mail and just had to drop you a note to let you know how great these are! I keep them in my top desk drawer - always ready!
Great idea, very handy!

Darrell W

Denise, This booklet is fantastic! One of the items on my list this month was to create cheat sheets for various things related to our business and 'all' of them are already here at my fingertips.

Thank you so much,

Jennifer Emert