Financial Services by:
 Dougherty Financial Consultants

With offices in Philadelphia and South Jersey,  the Certified Public Accountants (CPA’s) at Dougherty Financial Consultant’s provide comprehensive accounting, bookkeeping, tax preparation, payroll processing as well as a variety of personal and business insurance products. We are committed to meeting all your financial service needs as an individual and/or business owner. CPA 08088


 We are experts in small business accounting, offering innovative solutions to all your small business bookkeeping services, tax accountant, payroll services and business insurance needs. At Dougherty Financial Consultant’s, we take pride in providing the value our clients expect and deserve.

Jacquey Dougherty has been a C.P.A. in Pennsylvania since 1978 and in New Jersey since 2009. She is a Licensed Insurance Producer in Pennsylvania and New Jersey since 1999. She is also a Certified Senior Advisor since 2004.

CPA tax preparation and retirement plan for small business. To do bookkeeping by bookkeeper or book keeper. What is bookkeeping? For the estate plan and how do I set up a business?CPA 19145

Philadelphia   215-462-8970                      South Jersey 609-654-7783
1625 Oregon Avenue                                                         37 Breckenridge Drive
Philadelphia, PA 19145                                        Shamong, NJ  08088
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Accounting News
What you need to know about your finances.
Personal Finance Thoughts for the New Graduate

 As I think about those in their 20s who are beginning their careers in this very difficult economic environment as they graduate from college, I wanted to pass along a few thoughts from my many years as a C.P.A. to those who choose to hear them.

 As trite and old-fashioned as it may sound, it is so important to create a budget for yourself, but more importantly that you stick to that budget.  The budget should detail your monthly income and expenses, with the very first line of the expenses (giving it the importance that it always should have) being paying yourself, or putting money in a savings account.  Even if you are living on a shoe string, you should be able to save at least $1.00 each month.  If you start the good habit of saving money every month, then each and every time your income goes up, you can increase your savings and before you know it, you have a nest egg.  In creating your budget, be realistic about what you can afford, track your spending to make sure that you are living the budget. 

Channel your savings into the following priorities: 

1.      Regular savings until you have at least 6 months – 18 months of cash expenses in your savings account as your emergency fund.

2.      Long-term investments:  it is truly never too early to start saving for your retirement.  But, also split this long-term investment savings between retirement and other large purchases that you look to make within 10 years (a house, for instance).

 Establish a good credit history.  Open a credit card account if you haven’t already done so, but be sure to pay on time every time so your credit score will increase.  Also establish a good paying record for your student loans.  So many opportunities today are tied to your credit history, including the amount of your property and casualty insurance premium and the rate you will be offered when you want to take out a mortgage.

It may be a long time since I graduated from college, but I do remember the temptation of spending when you receive your first few paychecks after living like a pauper for the 4 (or more) years of school.  If you commit to taking these steps and sticking to them, your financial health will begin well and continue to prosper for your entire career.

Jacquey Dougherty, C.P.A.

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