Our Team

Our Team

Holly Gallagher CFP®, CLU®, ChFC®

Founder and President, Horizon Financial

An independent financial advisor in Northern Michigan for over 25 years, Holly focuses on providing comprehensive retirement planning and ongoing wealth management. Her passion, expertise and commitment have allowed her to build meaningful long-term relationships with her clients and their families, as well as with their CPAs, attorneys and other advising professionals.

Holly has partnered with hundreds of clients since 1992 to help make their financial goals realities. Her clients, in turn, have helped her build her business primarily through referrals. Because she is fee-based, Holly’s cost of doing business is transparent and her recommendations are truly honest. Her professional designations assure that she is held to the highest standards in handling her clients’ assets.

BusExperience_sealThrough her affiliation with Commonwealth Financial Network®,  Holly achieved Commonwealth Business Experience status for 2017. This distinction recognizes success based on a ranking of 2016 annual production among Commonwealth’s network of approximately 1,700 advisors.


Holly, a Traverse City native, holds a bachelor’s degree in business administration from Central Michigan University and worked for two Fortune 500 companies before opening her own firm. She lives on a 100-acre farm with her husband, Doug, and their children, Madison and Douglas. 

Liz Durling

Administrative Assistant

Liz brings to Horizon Financial exceptional interpersonal skills and a true desire to help Holly and Craig maintain outstanding client services and support. She is the friendly voice that will most likely greet clients when they call the firm.

For 25 years, Liz has provided high-level administrative support in financial, vertical market technology and legal environments. As executive assistant to a senior vice president of finance, she mastered the finer points of office administration and management, while upholding strict confidentiality.

A Magna Cum Laude graduate of Georgia State University, Liz has continually honed her computer and internet research skills as required for new duties and projects. She lives near beautiful South Torch Lake with her husband Charlie and three daughters, Claire, Katie and Brooke.