Financial Freedom Couple

Financial Planning

Customized & actionable financial plans tailored to meet your unique financial goals.

Financial Planning

Investment Management

From full discretionary to non-discretionary investment portfolio management services.


Benefits Guidance

Guidance for your Employer Benefits including 401k/403b, stock options, RSUs, ESPP, NQDC.


Why Coherent?

Co-her-ent: (adjective)
aesthetically ordered, logically connected, harmonious, integrated, consistent, reasoned, rational, as in “a coherent plan for action.”

  • having a natural agreement of the parts
  • related in an organized and reasonable way
  • having clarity, intelligibility, understandability

Why Coherent?…Because it defines us!


At Coherent, we take pride in the care and expertise we deliver to your financial life. We provide comprehensive financial planning, investment management, and employer benefits planning guidance. Coherent Financial Advisers was created from inception with this solemn purpose – to take care of people’s comprehensive financial needs without external impediments.

Coherent is an independent Registered Investment Adviser (RIA) founded by a CERTIFIED FINANCIAL PLANNER™ professional and a Chartered Financial Analyst charter holder. As equity partners in Coherent we answer only to you. We adhere to the higher “fiduciary” standard, aligning our interests solely with those of our clients whom we feel privileged to serve.

Coherent endeavors to maintain an ethical and efficient environment where qualified advisers are empowered to do what’s best for the client, and to benefit the community in general.

Enjoy insights provided by our staff. Study our individual biographies.


We look forward to discussing your unique financial goals and personal values!



With third quarter reporting nearly concluded, S&P 500 companies are delivering growth rivaling post-recession 2010. Not surprisingly, valuations are also breaking records. Meanwhile, record margins present more challenging hurdles to 2018 growth.
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In the short-run, the market is a voting machine. Some risks have abated as others become the focus of the market’s voting mechanism. If the market climbs a wall of worry, I would worry about the wall growing shorter.
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Is October the worst month of the year for stocks, or has it taken the blame for September? Sensationalism is a mainstay of articles on seasonal or calendar investing. We’ll take an objective, Coherent approach to stock market seasonality.
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Are you leaving money on the table? Capturing your entire 401k match is vital to optimal financial planning. Here are ideas for fully understanding your match, structuring your employee contributions, and implementing contribution strategies to maximize benefits.
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