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Charlotte Dougherty

Retirement, Investing, Lifestage Based Planning
“Charlotte A. Dougherty, CFP® is the founder and managing partner of Dougherty & Associates, an award-winning, nationally recognized, financial planning & wealth management firm, helping individuals, families & business owners achieve their true potential.”

Dougherty & Associates

Job Title:



Charlotte A. Dougherty, CFP®, is a nationally-recognized wealth manager with more than 30 years of experience, committed to helping clients grow and protect their money through sound financial planning and wealth management.

She leads a team of dedicated professionals who work together to help clients make the most of their opportunities, aspirations and money by:

•           Providing a holistic analysis of their transactional lives

•           Helping them appropriately invest their money to meet their goals

•           Understanding employer distribution options upon retirement, including dealing with employer securities

•           Monitoring progress towards goals and adjusting advice and recommendations as their lives change

Achieving financial security is an ongoing journey that requires more than simply managing client investments. Charlotte set her firm’s mission to partner with clients for life, serving as partners, advocates and advisors during all phases of each client’s financial journey. 

Her process begins with identifying what is important by quantifying and prioritizing clients’ goals. She works with her team to create a customized plan through extensive analysis and design, based on each client’s unique circumstances and future goals. She works with her clients to implement the plan, make adjustments, change the course when necessary, and to address all the events that life brings.

Charlotte is focused on helping people feel good about their financial positions in life.  She’s educated clients’ children, helped launch new careers and businesses, planned for parents, children and grandchildren, helped clients provide for family vacations, helped families cope with loss of a loved one and protected family wealth.

Charlotte was honored to be included in the Winner's Circle of Barron’s Top Women Advisors Summit, an exclusive, invitation-only event for the opinion leaders and influentials of the financial industry, honors the top women advisors in the country.

She is a frequent speaker and conducts workshops for employees of large and small corporations on retirement planning issues. Having earned a CERTIFIED FINANCIAL PLANNER™ practitioner certification, Charlotte is a past president of the Cincinnati Chapter of the International Association for Financial Planning, which is now the Financial Planning Association. She is listed in Who's Who in Finance and Industry, and Who's Who in America and a former Cincinnati Enquirer "Money Panel" Expert. She is an active member of the Cincinnati Estate Planning Council. She is a current member and was a chairman of the Investment Committee of the Board of Directors of The Resource Group, an elite group of leading financial planners within Lincoln Financial Advisors. She is a former member of the Board of Trustees of the St. Luke Hospital Community Foundation and past chair of the Finance Committee. Charlotte is listed as a Five Star Wealth Manager by Cincinnati Magazine* and received the Women’s Choice Award** every year since 2014. She also received the Top of Council Qualification*** from Lincoln Financial Advisors.  Charlotte is a financial planner offering securities and financial planning services through Lincoln Financial Advisors, a broker-dealer and registered investment advisor.

*The Five Star Wealth Manager Award is independently produced by Five Star Professional (FSP) and is based on data from financial advisors, regulatory disclosures, and FSP research. Neither the advisors nor their parent firm pay a fee to FSP for the nomination or award. Working with a Five Star Wealth Manager is no guarantee of investment success. For more information go to http://bit.ly/2dVQQFc

**The Women’s Choice Award Financial Advisor Program is based on 17 criteria associated with providing service to women clients such as credentials, experience and a favorable regulatory history. Financial advisors do not pay a fee to be considered or placed on the final list of Women’s Choice Award® Financial Advisors, though they pay a fee to participate in the marketing program. To learn more, visit http://bit.ly/1c1AqoK

*** The Top of Council award is an internal recognition determined by annual sales amounts.


Miami University

Assets Under Management:

$500 million

Fee Structure:


CRD Number:



Charlotte Dougherty is a registered representative of Lincoln Financial Advisors.

Securities and advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer (Member SIPC) and registered investment advisor.  Dougherty and Associates is not an affiliate of Lincoln Financial Advisor. CRN #1905223-092517

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    Debt, Real Estate, Taxes, Income Tax
How can I minimize my taxes if my salary is $130,000 annually?

Great question and timely as you have some months remaining in this year to address this issue.   The short answer is “yes”. 

Assuming you have adequate liquid emergency reserves and also assuming you are willing to forgo some liquidity, you have ample room to take your 401(k) pre tax contributions up to the maximum for the 2018 tax year.  That maximum, if you are under age 50, is $18,500.  Presently you are only contributing 6% of $130,000 or $7800.   As you can see, increasing the pre tax contribution by $10,700 could save you up to 24% of that amount based upon your estimated marginal income tax bracket.  That’s $2568, not counting any state tax savings benefit.  The drawback to this strategy is that the 401k plan is intended to be a long term savings program for your retirement which means that access and thus liquidity is limited.  Funds may be available for loan, however, which does provide some liquidity back up if needed. 

This is the most straightforward way for you to realize some reliable tax savings in this tax year and at the same time, build a strong financial foundation for your future self.  

Charlotte Dougherty is a registered representative of Lincoln Financial Advisors.  Securities and advisory services offered through Lincoln Financial Advisors Corp.,  a broker/dealer (Member SIPC) and registered investment advisor.  Dougherty and Associates is not an affiliate of Lincoln Financial Advisors.  Lincoln Financial Advisors and its representatives do not offer tax or legal advice.  Individuals should consult their tax or legal professional regarding their specific circumstances.  CRN-2189992-072518

July 2018
    Retirement, Retirement Savings, 401(k), IRAs
What else can I do to save for retirement without a 401(k)?
May 2018
    Taxes, End of Life
What filing status should I choose on a Form W-2 for tax withholding on death benefits?
May 2018
Can an individual contribute to both a Roth IRA and a Traditional IRA in the same year?
0% of people found this answer helpful
March 2018
    Financial Planning, Retirement, 401(k), IRAs, Taxes
What type of IRA should I open to get more exposure to tax advantages?
March 2018