Dougherty Investment Advisors

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Dougherty Investment Advisors A Tradition of Excellence for three decades! Make us part of your family tradition, too! Period. We even make house calls if necessary!

As a Registered Investment Advisory firm, we are legally held to a higher standard than other companies to act in the best interests of our clients. The firm’s passion is to provide a guiding hand as clients travel through their financial lives. Many of our clients have been with us for more than 20 years because they can depend on our integrity, responsiveness, and wide range of expertise. Not only are all our staff college graduates, but we also have a CPA who has worked firsthand with Wall Street banks and Fortune 500 companies. In short, we want our clients to rely on us to provide a secure financial path for them and their families. Integrity, Trust, and Personal Service are the cornerstones of our company. We are committed to providing you with the highest level of personalized care and attention. More than just an Investment Management Company, we take pride in standing by our clients to help them in several areas as they proceed along their financial lives, such as:
*Family Gifting and Legacy Planning
*Major Purchases
*Retirement Matters
*Social Security Planning
*Assisted Living Transition
*Trustee Assistance
*Tax Planning by a CPA

When you call our office, you will not get an automated phone directing you to press a number for a department. When you contact us, you will reach people who become familiar with you and whom you know. Please call for a Free Get-To-Know-You Appointment! The information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy
and it should not be regarded as a complete analysis of any topics discussed. All investments and
investment strategies have the potential for profit or loss. A professional adviser should be consulted
before making any investment decisions. All expressions of opinion reflect the judgment of the authors as
of the date of the post and are subject to change. We are not responsible for comments made by third
parties. Content should not be viewed as an offer to buy or sell any of the securities mentioned, as
personalized financial advice, or as legal or tax advice. You should always consult an attorney or tax
professional regarding your specific legal or tax situation.

Before a new month begins, pause and check in with your goals.What moved forward? What changed? What would you like to f...
10/21/2026

Before a new month begins, pause and check in with your goals.

What moved forward? What changed? What would you like to focus on next?

A little reflection can help shape your next step.

Your 2027 financial plan starts with three priorities.Before changing investments or making major financial decisions, t...
10/20/2026

Your 2027 financial plan starts with three priorities.

Before changing investments or making major financial decisions, take time to identify what matters most to you and your family. Consider goals such as:

- Preparing for retirement
- Funding education
- Managing taxes
- Supporting family members
- Building long-term financial stability

Then turn each priority into a measurable next step. A fiduciary review can help connect your investment decisions with your broader financial plan and keep your strategy aligned as life changes.

What are your three most important financial priorities for 2027? Share one in the comments, or call our office to set up a free consultation today at 352-238-6411.

Money conversations can help families plan with greater intention.Talking about priorities, responsibilities and the fut...
10/17/2026

Money conversations can help families plan with greater intention.

Talking about priorities, responsibilities and the future can be a useful place to begin.

What financial topic do you think families should discuss more often?

Listening is an important part of financial guidance.We value the opportunity to sit down with clients, understand their...
10/16/2026

Listening is an important part of financial guidance.

We value the opportunity to sit down with clients, understand their needs and help them consider their options.

Reach out to schedule a conversation.

Good planning makes room for good questions. From the minute you walk through our door you are greeted by a professional...
10/15/2026

Good planning makes room for good questions. From the minute you walk through our door you are greeted by a professional who cares about your financial journey.

We take time to understand what matters to each client and help them think through their financial picture.

Have a question you’ve been meaning to ask? Let’s talk.

Is your portfolio still aligned with the life you are planning for in 2027?Your investment mix should reflect more than ...
10/14/2026

Is your portfolio still aligned with the life you are planning for in 2027?

Your investment mix should reflect more than market headlines. It should be reviewed alongside your goals, upcoming cash-flow needs, time horizon, and comfort with market fluctuations.

A thoughtful portfolio review can help you identify whether your current approach still supports your family's priorities - or whether changes may be worth considering as your circumstances evolve.

When was the last time you reviewed your portfolio in the context of your complete financial plan? Share your answer below, or call our office to set up a free consultation today: 352-238-6411.

Your retirement account balance is not the same as your retirement paycheck.A traditional IRA or 401(k) balance may look...
10/02/2026

Your retirement account balance is not the same as your retirement paycheck.

A traditional IRA or 401(k) balance may look substantial, but withdrawals are generally taxable as ordinary income. Required minimum distributions, or RMDs, can also affect how much you must withdraw and when. Under current rules, RMD timing may begin at age 73 or later, depending on your birth year.

That is why retirement tax planning matters before RMD age. A thoughtful strategy may consider:

- Traditional accounts, which can provide tax deductions today but taxable withdrawals later
- Roth accounts, which generally offer tax-free qualified withdrawals
- Tax diversification, or holding a mix of account types to create more flexibility
- How withdrawals may affect your tax bracket, Medicare premiums, and legacy plans

The goal is not simply to build a larger account balance. It is to understand how much of that balance may be available for your spending and how taxes could shape your retirement income.

Every situation is different. Consider discussing your retirement income strategy with your financial and tax professionals before RMDs begin.

Have you reviewed which accounts you may draw from first? Share your questions below or pass this along to someone approaching retirement.

What financial question has been on your mind lately?Whether you are preparing for retirement, managing investments, or ...
09/30/2026

What financial question has been on your mind lately?

Whether you are preparing for retirement, managing investments, or planning for your family's future, thoughtful guidance can help bring clarity to important decisions. At Dougherty Investment Advisors, our independent fiduciary advisors take the time to understand your goals and provide personalized planning, investment, and tax consulting support.

Our office is happy to assist with any questions you may have. Call us at 352-238-6411.

What topic would you most like to discuss with a financial advisor? Share your thoughts in the comments.

CONGRATULATIONS TO OUR WINNER!A member of our Spring Hill community just became $10.75 million richer. The winning Flori...
09/28/2026

CONGRATULATIONS TO OUR WINNER!

A member of our Spring Hill community just became $10.75 million richer. The winning Florida Lotto ticket from the September 19th drawing was sold right here at the Publix on Commercial Way, and whoever holds that ticket likely just had their life change overnight.

Before the celebration spending starts and family members you’ve never met start appearing out of nowhere, a few things worth knowing:

1. The IRS treats lottery winnings as ordinary income. While Florida has no state income tax, federal income tax will be due. The Florida Lottery withholds 24% in federal tax, but a jackpot this size pushes the winner into the top 37% bracket. More will likely be owed at tax time, do not assume the initial withholding covers your full tax bill.

2. Taking the lump sum, or taking the annuity? Taking the lump sum option means a lower payout amount (estimated $5.4 million) is taxed in a single year. The annuity spreads the income, and the tax bill, across decades. This can be beneficial for avoiding higher tax brackets than necessary (30 annual payments of $358,333).

However, you may be able to outperform the rate of return of the annuity by taking the lump sum and investing the money with a plan designed to meet your goals. (Lump sum invested in 3.5% municipal bonds can provide $119,070 in tax-free income annually, or an average allocation to stocks and bonds could provide $204,120 annually with a bit more tax to pay—and the money is yours to keep, use, or pass on even after 30 years with no withdrawal restrictions.)

3. A sobering statistic: according to data frequently cited from the Certified Financial Planner Board of Standards, nearly one-third (Approximately 33%) of lottery winners eventually declare bankruptcy. This money could provide for you and your family to live comfortably for generations, but only if managed prudently.

If you or a loved one has had lady luck smile upon you, and you'd like help understanding the tax implications or putting a plan in place so this money works for your benefit for years to come, our office is right here in Spring Hill.

Call (352) 238-6411 for a complimentary initial consultation. As Spring Hill’s trusted fee-only financial advisors and fiduciaries, we would be happy to help.

Address

4048 Deltona Boulevard
Spring Hill, FL
34606

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm

Telephone

+13522386411

Website

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