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.