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!



Earnings growth set a new millennium record in 2018. It’s now a major hurdle to growth in 2019. Growth estimates are a third of last year’s and declining. The mortar in the market’s wall of worry now is margins.
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The New Year’s Eve tradition of “dropping the ball” to usher in the new year seems especially appropriate to close out 2018. The stock market had a tumultuous ride in 2018 and “dropped the ball” at year end!
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Margins drove outstanding earnings growth in 2018, and can choke it off in 2019. It may seem as if this correction is a bit overdone. But there is a major issue. Margins are at record highs and forecast to...
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Earnings continue their record-breaking trend. S&P 500 price gains have been driven by earnings growth as overall valuation has subsided. Record margin levels contributed half the earnings growth, but may be the main drag in 2019.
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