Manager’s Letter 2016 Q4
January 3, 2017
Winds of change have swept across the geopolitical landscape from 2016 and into the new year. How markets will be affected in 2017 and beyond will be the focus of much speculation. At Coherent, we would rather rely on tangible market factors more easily observable than wind.
Managing Your 401k Part 3
December 28, 2016
Do you lack time for or interest in planning your portfolio holdings in more detail? Or have you been putting off investing in the markets altogether? Balanced and target date funds help simplify the investment process by delegating many decisions to the fund manager.
Financial Planning Introduction
December 22, 2016
Build a 50-15-5 framework for your personal finances. Create a balance between living comfortably today while preparing for a prosperous future. Develop a collaborative relationship with your financial planner.
Coherent Investor December 2016
December 15, 2016
After a rough start, 2016 appears to be headed into a good close for equity markets. In this last 2016 issue of the Coherent Investor series, we review possibilities for 2017 earnings. We consider variables from three perspectives, fundamental market drivers such as sales and margins, cyclical and seasonal factors, and finally economic conditions.
Managing Your 401k Part 2
November 29, 2016
Following a logically ordered, coherent process is key to designing a sensible portfolio allocation. In part-2 of this series, we turn our attention to designing the stock portion of a retirement plan, including a benchmark-neutral portfolio and an enhanced performance alternative.
Earnings Insight November 2016
November 17, 2016
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.
Managing Your 401k Part 1
October 27, 2016
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.
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.
Manager’s Letter 2016 Q3
October 5, 2016
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.
Maximizing Benefits During Open Enrollment
September 28, 2016
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?