Why Coherent

At Coherent we are compensated for financial planning and investment management directly and explicitly by the clients we feel privileged to serve. Our interests are aligned completely with those of our clients. We adhere to the higher “fiduciary” standard, and are committed to acting solely in our clients’ best interests.

Please visit our home page for more detailed information.

At Coherent, we take pride in the care and expertise we deliver to your investment management needs. The investment process from portfolio design and construction through all phases of implementation is overseen by a Chartered Financial Analyst (CFA) charterholder.

We execute a diversified asset allocation approach based on modern portfolio theory to mitigate non-systemic risk, with additional tactical adjustments to mitigate systemic risk. Our intent is to deliver performance while limiting downside risk relative to more traditional statically-balanced portfolios.

You have a choice of service levels from full discretionary management to non-discretionary guidance. Your accounts are managed separately, not co-mingled with others. Your assets are in your control at all times and secured with an independent custodian. Investment management fees are charged at the account level as a percentage of total household assets under management.

You enjoy…

• Choice: select the service level you want
• Security: assets you control secured with an independent custodian
• Transparency: strict cost controls and explicit fee disclosure
• Responsible Risk Management: risk adjusted for changing markets

Please visit our Investment Management page for more detailed information. Let us know how we can help you.

Work place retirement accounts are often significant assets that clients request advice on. At Coherent we are able to provide guidance on employer sponsored retirement accounts such as 401k and 403b plans. You always maintain custody and control of your employer sponsored retirement accounts. You remain the named fiduciary of the assets in your account. We can guide you in implementing any proposed changes with your plan administrator.

Please visit our benefits guidance page for more detailed information. Let us know how we can help you.

Advanced employee benefits such as employer stock purchase plan (ESPP), employer stock options, or restricted stock units (RSUs) provide an additional benefit that should be analyzed within your overall investment portfolio. Particular areas we will review with you include stock specific risk and potential sector concentration.

Please visit our benefits guidance page for more detailed information. Let us know how we can help you.

We meet with you in person at our office, at your office, your home, or elsewhere convenient for you. Naturally, we can be reached by phone or email. But we also endeavor to leverage technology when and where it helps us to become more efficient, reduce our carbon footprint, and pass costs savings on to you.

Spend one hour of your time for a one hour meeting.

Whether you are across the street from our offices or across the country, you receive the same quality, personalized access. Our two-way screen-sharing and video conferencing capability allows you to meet with us from the comfort of your own home or office. It’s so efficient and convenient that our employees love using it! Your time is too valuable to be rearranging your schedule and fighting traffic.

Have you noticed the “https://” in front of our website URL? Our entire website is secured with the latest in encryption technology. Through our website, social media pages, and technology partners we provide you with:

• Encrypted file sharing and electronic forms
• Secure, prefilled, electronic document signatures via DocuSign
• Access to your financial accounts which we manage for you
• Original articles and videos on financial planning and the markets
• Useful links to economic data, earning reports, and investment research
• Current news and information on Coherent Financial Advisers, LLC

At Coherent, we believe strongly in an opt-in policy. We do not call or send emails to anyone who has not explicitly permitted us to contact them. We understand you lead a busy life and we respect your privacy.