In earlier articles, I introduced the “silver lining for 2016.” The further 2015 earnings declined, the lower the bar became for realizing a positive 2016 earnings growth rate. Third quarter earnings look to become the first growth we have seen in nearly two years. This silver lining has finally arrived, but not without its caveats.

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If you have a retirement plan account such as a 401k, 403b, or 457b, then like most people you probably have several questions about managing the plan investments. In my experience, most people just don’t know where to start. There is a logical, rational, and simple approach to selecting your investments and allocating money to them.

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PEORIA, AZ – Oct 17, 2016 – In time for open enrollment season, Coherent Financial Advisers, LLC, an Arizona Registered Investment Adviser (RIA) offers its benefits guidance program for individuals and their families. Open enrollment can be a stressful time for making critical choices. Coherent’s fiduciary service offers personalized guidance through a collaborative partnership between experienced adviser and client.

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Fifty years ago last month, NBC aired the first episode of Star Trek. In its preceding pilot, “The Cage”, the captain is held prisoner by aliens who have the power to project incredibly lifelike illusions. Concerning the financial markets, people readily create their own illusions without any assistance from aliens. At Coherent, we prefer sound reason over illusion.

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Open enrollment for company benefits is an important time to review, update, or make changes to your employer plans. How do you know if you are maximizing your company benefits? Do you know if the company benefit programs are the most efficient and cost effective for you and your family?

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From time to time, it is important to step back and review the bigger picture, where we have been and where we are now, so that we can better assess what might be ahead. This is one of those times. After all, it is the market’s price movement which pays investors.

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Fed Chair Yellen’s speech at Jackson Hole, Wyoming on August 26, 2016 offers an expose on the Fed’s toolkit, past, present, and possibly future.

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At current levels the stock market is paying above average prices for projected sales growth and margins that shatter 15-year records. There have been some believable signs of earnings improvement, but the markets may already have priced this in.

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This is not meant to be just a philosophical question, but a very practical one. What you believe moves the market affects how you make your investment decisions. Realizing that you don’t know the answer can be more valuable than thinking with certainty that you do know.

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Thomas Paine’s “Common Sense” spoke to the common American reasoning for independence from Great Britain. In an ironic turn, 240 years later, Britons voted for independence from the European Union just days before Americans celebrate their Independence Day.

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