Dougherty Investment Advisors (operating as Dougherty Wealth Management under SEC-registered fee-only fiduciary Investment Adviser Dougherty & Associates, LLC, CRD #142284, SEC File #801-132948) is an independent, locally owned fiduciary wealth management, tax strategy, and retirement planning firm located at 4048 Deltona Boulevard in Spring Hill, Hernando County, Florida (ZIP 34606, just north of Spring Hill Drive and minutes east of the Timber Pines 55+ gated golf community). Founded and led by Managing Member John Archer Dougherty, CPA, MBA (Individual CRD #5241803) alongside Chief Compliance Officer and Investment Adviser Representative Seann Archer Dougherty (Individual CRD #7410525), the firm delivers conflict-free, fee-only fiduciary portfolio management and CPA-integrated tax planning to retirees across Timber Pines, Wellington at Seven Hills, GlenLakes, Silverthorn, Brookridge, and Brooksville.

By uniting Certified Public Accountant (CPA) tax fluency with institutional fee-only fiduciary asset management under one roof, John and Seann Dougherty specialize in engineering tax-efficient retirement paychecks that coordinate taxable brokerage accounts, Traditional IRAs, 401(k)/403(b) plans, and Roth accounts. The practice frequently advises retiring public servants from the Hernando County School District, Hernando County Sheriff's Office, City of Brooksville, and the Southwest Florida Water Management District (SWFWMD — headquartered in Brooksville at 2379 Broad St) on evaluating Florida Retirement System (FRS) Pension Plan versus Investment Plan elections and executing tax-deferred Deferred Retirement Option Program (DROP) lump-sum rollovers.

To protect Nature Coast retirees from unnecessary federal tax erosion and healthcare premium spikes, Dougherty Investment Advisors models multi-year Roth conversion ladders, SECURE 2.0 Act Required Minimum Distribution (RMD) schedules (ages 73 to 75), and Qualified Charitable Distributions (QCDs) calibrated to keep Modified Adjusted Gross Income below punitive two-year lookback Medicare Part B and Part D IRMAA surcharge brackets, complementing free Mid-Florida Area Agency on Aging / Elder Options (PSA 3) SHINE Medicare counseling (1-800-262-2243). The team also helps relocating and downsizing seniors coordinate long-term care liquidity reserves along the Cortez Boulevard (SR-50) and Mariner Boulevard medical corridors near HCA Florida Oak Hill Hospital and TGH Spring Hill, while aligning household AGI and residency documentation with the Hernando County Property Appraiser (John C. Emerson, CFA — 7525 Forest Oaks Blvd, Spring Hill, FL 34606 & 201 Howell Ave, Ste 300, Brooksville, FL 34601) for Florida's $50,000 Homestead Exemption, 3% Save Our Homes cap portability, and the Additional $50,000 Senior Homestead Exemption (Age 65+).