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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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October 2018
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    Real Estate, Taxes
Is it true that you can sell your home and not pay capital gains tax?
66% of people found this answer helpful

Yes, under certain circumstances it is true that you can sell your home and not incur capital gains tax. You must meet 2 tests, in general, to avoid capital gains of up to $250,000 on your primary residence or up to $500,000 if you file jointly. You must have owned and used your home for 2 of the 5 years prior to its sale. See this excerpt from the IRS website: “In general, to qualify for the exclusion, you must meet both the ownership test and the use test. You are eligible for the Section 121 exclusion if you have owned and used your home as your main home for a period aggregating at least two years out of the five years prior to its date of sale. You can meet the ownership and use tests during different 2-year periods. However, you must meet both tests during the 5-year period ending on the date of the sale. Generally, you are not eligible for the exclusion if you excluded the gain from the sale of another home during the two-year period prior to the sale of your home. Refer to Publication 523 for the complete eligibility requirements, limitations on the exclusion amount, and exceptions to the two-year rule.” And please be sure to check this link for full details:   https://www.irs.gov/taxtopics/tc701.html.  

Charlotte Dougherty is a registered representative of Lincoln Financial Advisors a broker/dealer (Member SIPC) and a registered investment advisor. Lincoln Financial Advisors does not provide legal or tax advice. CRN-1584099-090116

September 2016
    Investing, Stocks
I want to start buying stocks. Where do I start?
60% of people found this answer helpful
June 2016
    Social Security
How do I calculate my Social Security break-even age?
50% of people found this answer helpful
August 2016
    Career / Compensation, Debt, Estate Planning, Pensions, Real Estate
How can I optimize on my post-graduate financial situation?
33% of people found this answer helpful
June 2016
    Choosing an Advisor, Mutual Funds
Is an index fund better than having to hire a financial advisor?
33% of people found this answer helpful
June 2016