Horizon Financial

Holly Gallagher CFP^®, AIF^®, A Traverse City native, Holly is a well-known financial professional in northern Michigan. She specializes in wealth management, providing clients with an overall picture of their financial portfolios that goes far beyond simple investments. Her expertise allows her to make recommendations in estate planning, tax strategies and insurance coverage that benefit her clients. Because she is independent, her recommendations are truly objective, and her loyalty is to her client, not to a particular product or investment fund.

Holly has taught money management courses at several northern Michigan colleges, and had many articles published in area publications, such as the Northern Michigan Business Journal and the Traverse City area Chamber of Commerce newsletter. Holly has been a guest speaker on the popular radio show Michigan Business Beat and has spoken at several professional organizations, including Michigan Education Association, AAUW and Munson Medical Center Patient Education department.

Holly holds a bachelor's degree in business administration from Central Michigan University She has worked for two Fortune 500 companies before opening her own firm in 1999. She has served clients in financial planning for 19 years. She lives in Traverse City with her husband Doug and their children Madison and Douglas.

Barb Graham

Barb has over 19 years experience in several areas in the financial services industry. Her background also includes: real estate, small business owner and commercial and retail lending. Her people skills and genuine passion to help others make her a great asset to Horizon Financial and its clients.

Born and raised in Canada, it's no surprise Barb is an avid outdoors person. She enjoys boating, fishing, hunting, skiing, and snowmobiling both locally and near her second home in the Upper Peninsula. Barb lives in the Traverse City area with her husband Randy and their two beautiful daughters, Emily and Elizabeth.