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. 

Amy Travis

Director of Client & Wealth Management Planning Services

Amy brings to Horizon Financial over 30 years of experience in the securities industry, including 20 years as a Senior Registered Client Service Associate and Administrative Assistant to the branch manager at Raymond James in Traverse City. Amy holds the Series 7, 63, and 65 securities industry registrations, making her well equipped to assist Holly with the financial planning needs of all Horizon Financial clients. Her focus at Horizon Financial is to provide the highest level of caring customer service while helping Holly to build comprehensive, sound financial plans that will provide confidence no matter what the financial markets bring. 


Amy is a Traverse City native and lives in the community of Kingsley with her husband Randy and their two daughters, Katie and Lilly.