Gallagher Wealth Management

10/12/2026

Honoring Indigenous Peoples' Day

Today, we celebrate Indigenous communities' vibrant cultures, histories, and contributions. Let's take this opportunity to listen, learn, and uplift Indigenous voices, recognizing their enduring strength and resilience. Together, we can support a future rooted in respect and understanding.

10/06/2026

October is Breast Cancer Awareness Month.

We take this time to honor the strength of those who have faced a diagnosis, support those currently going through it, and recognize the families and communities who stand beside them.

Awareness matters. Support matters. Presence matters.

We stand with you.

09/29/2026

Many of my clients start saving early for their child’s future education. But with the rising cost of higher education, we need to look at all the options. If you’re worried about how to pay for secondary education, here are five things to keep in mind:

1. Choose the right educational path.
Secondary education isn’t a one size fits all situation. What are your child’s goals? Interests? Reasons for pursuing further education? By choosing the right school for them, you can ensure they are set up for success and prevent being saddled with a mountain of debt that might be unnecessary. The cost of secondary education can differ greatly from in-state to out-of-state, state to private schools, 2-year to 4-year programs, or even tech or vocational schools.

2. Take advantage of all financial aid and scholarships.
Completing the FAFSA (Free Application for Federal Student Aid) is necessary for all students applying for college. No matter their economic status. This is the first step to qualifying for grants, low-interest loans, and work-study programs. Also, contact the college financial aid office for information about scholarship opportunities. Every little bit helps.

3. Talk to your child about a part-time job.
Working through college can help your child learn time management skills and build their resume. It could also help to pay for personal expenses and lower the amount they need to borrow. Many local businesses rely on the part-time workforce coming from nearby colleges, and work-study programs are a great option if they qualify.

4. Consider all loan options.
While it is always a last resort, student loans can help fill in the gaps between savings and costs. There are many options for student loans. Check your state resources for forgivable student loans or assistance programs. It’s important to spend some time shopping around for the right option for you.

5. Make payments as early as possible.
Some loans defer payments while your child is enrolled in school. But read the fine print – that doesn’t mean that those loans aren’t accruing interest. Making no payments during that deferral period can mean an increase of thousands of dollars. If you or your child can, paying at least the interest while they are in school can save you the shock of an unexpectedly high repayment amount when payments start.

09/22/2026

It’s time for a little Tuesday trivia!

Who was awarded a Nobel Prize in Economic Sciences for their work on Behavior Finance?

a. Daniel Kahneman in 2002 and Richard Thaler in 2017
b. Amos Tversky in 1983 and Robert Shiller in 2008
c. Milton Friedman in 1976 and Eugene Fama in 2013
d. Elinor Ostrom in 2009 and Paul Krugman in 2008

The correct answer is A. Thanks to their pioneering work, we all have a better understanding of the role our own behaviors play in making smarter financial decisions…and reaching our long-term financial goals.

(Note that the others also contributed to the field of Behavior Finance, but were either not awarded a Nobel Prize, or were awarded Nobel Prizes for other things.)

09/13/2026

09/07/2026

Today, we recognize the laborious work of America's citizens and honor the difference they make daily!

09/01/2026

Prostate cancer is one of the most common cancers among men, and also one of the most treatable when it's caught early.

This September, during Prostate Cancer Awareness Month, we're encouraging the men in our lives, and ourselves, to make time for the conversations and checkups that matter.

A quick conversation with your doctor could make all the difference. Here's to catching it early.

08/25/2026

There are four keys to doing well in the markets.

This is not one of those penny stock ads or any “Get Rich Quick” schemes.

These keys will, however, help you stay disciplined and progressing towards your goals. So, without further ado, here they are:

Set a destination in mind. Meaning, what is the point of your investments? By when will you need your investments to pay for what you need?

Decide on the acceptable level of risk for your journey to your destination. Investments have the potential to lose value. Those investments that sound amazing because they went up 100%, also tend to have the potential to go down 50% or more. Really, this question of risk comes down to, what level of volatility is needed for your plan to be successful? Remember, volatility is just a measurement of speed at which the price moves. That movement includes rising prices.

Follow rules to your buying and selling of securities, not headlines. In other words, remove the emotions from your investment decisions. It is a lot easier said than done, which is why having a good advisor is tremendously helpful. Make sure your advisor has a rules-based approach to their investments.

Always do your research. Don’t rely on “that guy at work” for your investment advice. Don’t rely on that one headline either. I have found that by doing your own research, you automatically remove a lot of emotion from the buy or sell decision.

There you have it. Four keys to investing in the markets. Of course, this is not an exhaustive list, but these are ones I find are missed by average investors. If you don’t feel you have all four in place with your plan, please give me a call.

08/21/2026

Happy Senior Citizens Day!

August 21st is National Senior Citizens Day! Ronald Reagan made it a national holiday, and in his proclamation he said, “For all they have achieved throughout life and for all they continue to accomplish, we owe older citizens our thanks and a heartfelt salute. We can best demonstrate our gratitude and esteem by making sure that our communities are good places in which to mature and grow older—places in which older people can participate to the fullest and can find the encouragement, acceptance, assistance, and services they need to continue to lead lives of independence and dignity.”

Let’s take a moment to honor and appreciate the wisdom, experience, and contributions of our beloved senior citizens. They have played an instrumental role in shaping our society and have so much to offer, from their wealth of knowledge to their inspiring life stories.

We believe in fostering an inclusive and diverse community that values every generation. We encourage everyone to take the time to listen to and learn from the experiences of our seniors. Their insights are invaluable as we face the challenges and opportunities of the future.

Whether it’s playing games, giving a gift, or taking the time to listen to their life stories, let's make an effort to reach out to a senior citizen. Show gratitude for their presence, and make them feel appreciated, because they should be.

08/11/2026

It’s officially the Dog Days of Summer! This is the hottest and muggiest part of the season for most of us. This month is traditionally when the Northern Hemisphere waits for the relief of cooler autumn weather.

The term “Dog Days” comes from ancient astronomy. In the southern sky at night, you might be able to find the brightest star in the sky, the ancient Romans called Sirius, from the Greek for “glowing” or “scorcher.”

Since this star is the bright eye in the constellation named Canis Major, which means the Big Dog, Sirius is called the Dog Star.

Ancients believed that it acted like another, smaller sun, increasing the heat of their humid summers. As summer wears on, Sirius rises nearer and nearer to the Sun. The time when the two seem to meet in the sky is called their conjunction. The Romans named the 20 days before and after that conjunction “the Dog Days,” after the Dog Star.

Maybe this summer you’ll be able to spot the Dog Star in the sky, and wish upon it cooler days ahead!