WHO WE ARE
Helping Grow Wealth in Northern Michigan since 1992.
Like many of our clients, our team was born and raised right here in Northern Michigan. We are deeply connected to the families businesses and communities we serve. We value every client relationship and work to provide them the best wealth management experience. Each one of us is a CERTIFIED FINANCIAL PLANNER® / CFP® professional, so we are personally committed to the best interests of our clients. We also support the growth of our team and industry through ongoing training and seminars that keep us ahead of the curve in trends and technology.
WHAT WE DO | WEALTH MANAGEMENT
Most people don’t plan to fail, they fail to plan.
Managing your investments requires a deep understanding of your goals and risk tolerance. Are you conservative about investing? Are you willing to explore more proactive approaches? What are you hoping to achieve with your investments? At Horizon Financial, we partner with cutting-edge investment managers to develop an investment strategy based on your specific intentions and focused on long-term results. We regularly monitor and report on the strategy’s performance so you’re always well informed.
TESTIMONIALS
“I am so happy to be a client of Horizon Financial with Holly Gallagher and team. My husband, Barry and I were clients since before we even moved up here in 2012. The service that we received from Holly was so thorough and so great that we knew we were in good hands for our financial future. I knew that if I ever lost Barry, I would be OK. Then came the dreaded experience of losing Barry suddenly in 2021. Holly and team were SO wonderful and I knew they would have my back. I knew very little about how to maneuver my finances on my own. I never had to worry. Holly literally accompanied me to my Lawyer, my Bank and made sure things I needed to do got taken care of. She pointed me in the direction of who to talk to about Social Security, Medicare and necessary insurance now that I am alone. In my mind it was above and beyond what I would have expected. But that is part of the Service they provide. I simply do not know what I would do without Holly and her team. They have always, always been there for me from day one. I am so grateful.”
— Deanna W., client since 2011
The statement was provided 9/10/25 by Deanna W, who is a client. This statement may not be representative of the experience of others and is not a guarantee of future performance or success. For additional reviews, search us wherever local businesses are reviewed.
“Holly and her team at Horizon Financial’s understanding of finances, attention to detail and using clear language and examples have been super helpful in making informed decisions. Plus, they are a joy to work with as a client and collaborating as a fellow professional in the finance industry.”
— Andrew M., retired enrolled agent and Client
The statement was provided 10/29/25 by Andrew M. who is a Client. This statement may not be representative of the experience of others and is not a guarantee of future performance or success. For additional reviews, search us wherever local businesses are reviewed.
WHAT WE DO | FINANCIAL PLANNING
Ready for retirement?
Let’s check.
Before you plan for retirement, get a “financial physical”. We take a deep dive into your finances with the goal of creating a clear roadmap to a rewarding retirement. We conduct a thorough audit that includes:
-
Retirement goals for you and your family
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Insurance coverage and premiums
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Estate plan
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Current investments
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Current and future tax situations
FINANCIAL PREPAREDNESS
75
%
vs.
45
%
1
Three in four Americans with an advisor believe that they will be financially prepared to retire, compared to just 45% without an advisor who feel the same.
Source:
1 Punzenburger, Luke. "Americans with a financial advisor expect to retire two years earlier according to Northwestern Mutual's Planning & Progress Study". Northerwesternmutual.com. Newsroom. July 9, 2024. https://news.northwesternmutual.com/2024-07-09-Americans-with-a-financial-advisor-expect-to-retire-two-years-earlier-according-to-Northwestern-Mutuals-Planning-Progress-Study?printable
FINANCIAL PREPAREDNESS
58
%
2
Over half of retail investors prefer to consolidate their accounts to one advisor as they near retirement.
Source:
2 Punzenburger, Luke. "Over Half of Retail Investors Prefer to Consolidate Their Financials to a Single Provider". Cerulli.com. Cerulli Associates. June 14, 2022. https://www.cerulli.com/press-releases/over-half-of-retail-investors-prefer-to-consolidate-their-financials-to-a-single-provider
WOMEN OWNED
70% of the world’s wealth
— about $124 trillion— is forecasted to be inherited by women.3
As a woman-owned business, we can relate to issues that matter to women. We fully support them in enjoying and protecting their wealth now and into the future.
Sources:
3 Baghai, Pooneh and Howard, Olivia and Prakash, Lakshmi and Zucker, Jill. "Women as the next wave of growth in US wealth management". McKinsey.com. McKinsey. July 2020. https://www.mckinsey.com/~/media/McKinsey/Industries/Financial%20Services/Our%20Insights/Women%20as%20the%20next%20wave%20of%20growth%20in%20US%20wealth%20management/
Women-as-the-next-wave-of-growth-in-US-wealth-management.pdf.
