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Monday 12pm - 8pm Tuesday 9:30pm - 8pm Wednesday 9:30am - 8pm Thursday 9:30am - 8pm Friday 9:30pm - 8pm Saturday 12pm - 8pm

Coach Denise

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Let our team of financial experts ensure your wealth will endure, so you can secure your future!🔐💰💼 We look out for middle-income families.

By helping them learn principles of personal finance, reduce their debt, plan for the unexpected, and gain access to financial products and srvs, we help people protect their families & save for the future.

10/30/2026

🌳 Estate planning is like a tree with many leaves and branches that grow slow and steady over time to create a lasting impact for the future!

Just as each branch plays a role in the growth of a tree, each part serves a purpose in protecting your assets, providing for your loved ones, and determining how you want your legacy to continue.

Some important parts of an estate plan include:

📜 Will – Outlines how you want your assets distributed.

🛡️ Life Insurance – Provides financial support for your loved ones.

🏦 Trust – Helps manage and distribute your assets according to your wishes.

❤️ Charitable Giving – Allows you to leave a lasting impact on organizations and causes you care about.

🏡 Succession Planning – Prepares for the transfer of your business, assets or responsibilities.

💍 Marital Deductions – May help qualifying assets pass to a surviving spouse while taking advantage of applicable estate tax provisions.

Take a moment to consider: What parts of your estate plan do you already have in place? Are there areas you would like to strengthen or expand? Comment below.

10/29/2026

Life insurance through your job is great BUT is it enough to protect your family?

Your employer may provide life insurance as part of your benefits, but there are three things you need to know:

💰 How much coverage do you have?
🏠 Would it be enough to help cover your family’s financial needs?
🔄 What happens to your coverage if you leave your job?

Employer-provided coverage may be limited, and it may not follow you when you leave. Your options depend on your specific policy.

Don’t assume your family is fully protected just because you have coverage. Know what you have, understand your options, and make sure your plan reflects your family’s needs.

Need help reviewing your coverage? Contact me to start the conversation!

💰

10/27/2026

🎃👻 THE TERRIFYING TRUTH: Everybody dies, but not everybody plans ahead.

Don't let missing paperwork turn an already difficult time into a financial nightmare for the people you love. This Halloween season, take the fear out of the future by getting your affairs in order!

🕸️ Here are 5 essential documents and records to organize:

1️⃣ Will & Trust — Make your wishes known.
2️⃣ Life Insurance Information — Make policies and coverage details easy to locate.
3️⃣ 401(k) & Retirement Accounts — Keep account information organized.
4️⃣ Beneficiary Information — Review who is designated to receive your assets.
5️⃣ Bank Account Information — Make sure your loved ones know where to find the necessary details.

🦇 The scariest part isn't planning for the inevitable. It's leaving your loved ones unprepared.

Take time now to organize these important records and help your family navigate the future with greater clarity and confidence.

10/23/2026

💚 Financial planning doesn’t have to feel overwhelming. It starts with the right information, practical strategies, and a plan you can put into action.

Following one of the Empower Your Finances Workshops, a guest shared how the session made financial planning feel more approachable and provided helpful strategies and resources she can continue exploring.

That’s what financial empowerment is all about: turning knowledge into action and giving you the tools to make more informed decisions about your money. 💰

Ready to take a more intentional approach to your finances? Comment READY and we'll get connected!

10/21/2026

A strong financial plan begins with a needs assessment. You have to know where your money is, how your money is flowing in and out of all your accounts, and how your present and future needs influence the flow. A great financial plan will keep your money flowing smoothly to all the proper channels that enrich your life.

The pillars of a strong financial plan are:

Asset Management - valuable assets may include real estate properties, vehicles, fine art, precious jewelry, and more. Understanding the value of the assets you keep, and choosing when to liquidate them, is a key part of financial planning.

Debt Management - you should be clocking every debt you owe, the size of the debt and entity to whom it is owed. If you are buried in debt already, this includes avoiding new debts. This will help you effectively plan to pay all of your debts off.

Protection Management - what about insurance policies and savings accounts? You should be tracking these with the same diligence as your income and expenses.

Expense Management - track every expense to the best of your ability. This includes all planned bills and necessary expenses, plus any habitual, unusual, or unplanned expenses.

Income Management - you might have guessed it: this is tracking how much money is flowing into your life, from all sources.

Book a free consultation to learn more about how to build your best financial plan yet: https://calendly.com/dmurphy01/financial-planning-consultation

10/19/2026

I’m incredibly proud of Michele for passing her Life Insurance exam! I'm happy to have her on the team and forward to seeing her grow, thrive, and accomplish great things.

Building a strong team is about more than individual success, it’s about growing together, supporting one another, and creating opportunities for everyone to reach their full potential.

I’m excited about what’s ahead and the progress we will make together!

10/17/2026

Today, I attended Leadership School alongside my team members, invited guests, and peers, and left feeling inspired and reenergized!

Guest speakers Antoine and Chavon Landry, and Darmond Edwards reminded us why we love the financial industry while sharing valuable insights to help us grow personally and professionally.

Here are a few key takeaways that stood out to me:

🗣️ There is no such thing as silent leadership. Your voice matters, and your willingness to share your story makes a difference.

📈 Growth starts with your mindset. Never approach the market believing you can’t find good people. The right opportunities and relationships are out there!

🔁 Never get tired of telling your story. People connect with authenticity and relatability, and sometimes it takes hearing your message more than once for it to resonate.

I’m leaving Leadership School reminded of the importance of using my voice, building meaningful connections, and staying consistent in sharing the value of what we do for individuals, couples, and families!

10/13/2026

Having life insurance is a great start, but making sure you have enough coverage is what matters.

Your family's financial needs go beyond today. Think about the mortgage, monthly bills, childcare, outstanding debts and the future you want your loved ones to have.

Would your current policy provide enough support to help cover those needs if you were no longer here?

Don't assume you're covered enough just because you have a policy. Your coverage should reflect your family's needs, responsibilities and financial goals.

Ready to review your coverage? Contact me to start the conversation and explore your options.

10/10/2026

Living paycheck to paycheck is not sustainable for anyone. Here’s three tips to avoid living paycheck to paycheck:

1. Avoid and cancel unnecessary expenses: trim the fat on your budget as much as you can and avoid living “beyond your means,” or spending more on luxury items than you do on saving for your future.

2. Prioritize debt elimination: the faster you can reduce and eliminate your debt, the more money you can devote towards savings and create a buffer between one check and the next.

3. Budget like a pro: every dollar that passes through your account must be tracked, whether it’s coming or going. Even if the expense is just 50 cents, track it! The more precise you track your funds, the easier it will be for you to stick to a budget and adapt your financial plans as needed.

If you’re living paycheck to paycheck and you’re ready to make a change, book a free consultation with me to establish a positive financial plan.

10/08/2026

Some of the best financial lessons show up in places you least expect.

Tyler Perry’s Why Did I Get Married Again? has more than relationship drama. The story highlights how money can impact relationships, trust and the decisions couples make.

Here are 3 financial lessons from the movie that deserve your attention!

Address

11419 Cronridge Drive Ste 8
Owings Mills, MD
21117

Opening Hours

Monday	12pm - 8pm
Tuesday	9:30pm - 8pm
Wednesday	9:30am - 8pm
Thursday	9:30am - 8pm
Friday	9:30pm - 8pm
Saturday	12pm - 8pm

Telephone

+14436218879

Website

https://dmurphyandassociates.com/

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