William Neil Gallagher has made a name for himself as a financial wizard, publishing several financial self-help books and hosting a radio show. Known as the "Money Doctor," Gallagher handles investments for members of his close-knit Christian community in Dallas. Many of his clients are seniors, lured in by Gallagher's prestige and promises that he cares not just about their money, but about them, too. Little do his clients know that Gallagher not only does not have the license required to offer investment advice, he also has not been investing their money at all. Gallagher is perpetuating a Ponzi scheme.