Denise Murphy is the founder of DTM Financial LLC, a Fayetteville-based financial services company whose mission is to teach individuals and small business owners the art of managing their finances in a logical, efficient way. Strong advocates of financial Literacy, Denise is a Financial Literacy Instructor/Certified Financial Educator and a Licensed Insurance Broker. DTM Financial is passionate about educating their clients; empowering them to make wise, informed decisions when purchasing financial products and services. We specialize in life insurance, disability insurance, annuities, retirement planning for individuals and small businesses, college funding strategies/scholarships, tax-free cash accumulation strategies, and legacy planning/generational wealth building through increasing net worth while reducing risk.