A laminate structure is disclosed comprising multiple ferromagnetic layers achieving incoherent reversal while maintaining good SNR. A high magnetic moment density, low anisotropy field material may form a thin overlayer deposited over a high-anisotropy media layer. The media layer may have a lower magnetic moment density than the overlayer and have decoupled magnetic grains. A coupling layer may be interposed between the overlayer and the media layer to modulate the exchange there between, thereby reducing the pass-through of noise while still promoting incoherent reversal to achieve reduced write energy requirements.