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Explore how your finances can enhance your impact and purpose!

Your resources are as valuable as you make them.
Driven by one thing... Passion.
Let's create a future... together—
a future driven by what matters most.

How we help clients like you

We serve a wide range of clients.  Explore a few scenarios that might relate to your situation.
INQUIRE

A business owner evaluating new opportunities

Taming financial chaos
Creating capacity
Navigating M&A
Managing for end goals
Explore Their Story

Empty-nesters prepare a legacy for their adult children

Defining legacy
Mapping out a plan
Preparing relationships
Engaging 3 types of capital

A daughter receives a life-changing inheritance

Honoring legacy
Establishing purpose
Re-envisioning goals
Maximizing impact

An established couple preparing for the 
next chapter 

Do we have enough?
Identifying life priorities
Funding retirement
Creating passive income
Re-evaluating estate plan
        Explore Their Story   

A charity working on its financial strength.

If you're an institutional investor or a charity, we would love to help you with your financial policies, planned giving programs, and broad strategic planning. Call us to discuss your needs. We even offer pro bono services to a select number of charities.

Are you ready to CoCreate?

We work with clients who are looking to have as much impact on the world around them as they can while enjoying their relationships and adventures.

Start with a 30 minute call

The first step is to schedule a 30-minute “Find out about CoCreate” phone call by visiting cocreatefinancial.com/schedule and picking a time that will work for you. On the phone call, we will want to hear about the basics of your financial situation as well as your goals and plans. We will ask lots of questions to gain an understanding of who you are and where you want to be headed. We will also share about our firm and provide an overview of how we would engage in your specific situation.
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I want to know that I have enough in the present and in the future
I want to make decisions that reflect my values not my financial fears
I want my finances to equip a life of balance and generosity
There is more to life than financial success
I want to make the most of my surplus

Schedule an intro call today!

Use our online scheduling tool to schedule an introductory appointment or reach out to us with a question.

Meet the Team

Matt Hudak

MATT HUDAK

AAMS®, CFP®, CEPA®
CHIEF INVESTMENT OFFICER
FINANCIAL ADVISOR
Christa Hudak

CHRISTA HUDAK

CFP®, ChFC®, CKA®
CHIEF PLANNING OFFICER
FINANCIAL ADVISOR
Sierra Lommatsch

SIERRA LOMMATSCH

CHIEF OPERATIONS OFFICER
Heather Brown

HEATHER BROWN

DIRECTOR OF COMMUNICATIONS
Emma Shaw

EMMA SHAW

ASSOCIATE FINANCIAL ADVISOR
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In order to deliver consistent results to our existing clients, we have limited space for new clients each quarter. Reach out to us for a consultation.

Frequently Asked Questions

  • Do you have a minimum account size?

    We have a flexible minimum, so we always encourage people to schedule a 30-minute call. While we make a limited number of exceptions each calendar quarter, our client minimum is currently around $500,000 of investment assets; however, there are a number of variables that can affect how we look at this number, including age and financial trajectory, scope of work involved, businesses and other illiquid assets on which we are consulting, and how much fun we’re going to have working together.

    Are you Fee Only/Are you a Fiduciary?

    Yes and yes. At the same time, we believe that there is much more to selecting the right advisor that the two “F” words. In fact, they are mostly just marketing hype from a group within the financial industry. Being fee only, doesn’t eliminate conflicts of interest, it simply looks different from a commission model. Objectively, there are circumstances in which a commission is better. Being a Fiduciary only means that there are more stringent legal standards, but those only affect a person if there is a breach worth pursuing in court. We recommend evaluating fit from a neutral perspective, considering ethics, relational fit, professional qualifications, business model, etc.

    Can you help me with my business and personal business needs?

    Yes. Many of our clients are business owners, and we love engaging their personal and businesses together. While most Financial Advisors are employees or independent contractors of large corporations, Matt and Christa actually own CoCreate Financial and started it from scratch, giving them unique insight into the needs and experiences of business owners.

  • Do you file taxes?

    We love helping solve tax puzzles, but we aren’t CPAs or Enrolled Agents, so we don’t file taxes on behalf of our clients. We lean heavily on our client's CPAs and attorneys for tax advice and have an incredible network to which we can refer. Oftentimes, we are able to spend a considerable amount of time working through the problem and preparing you to have an efficient and effective conversation with your other professionals.
    Contact

Recent Posts

November 3, 2025
Gift Stacking
Heather Brown
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Gift stacking or gift bunching is one way to maximize your charitable giving. This is a great giving strategy to utilize if you have had an unusually high-income year. With gift stacking, you can combine the next few years of charitable giving into the current year.  This allows you to deduct more income at your […]

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October 31, 2025
Investing During an AI Bubble and Other Hot Topics in the Marketplace
Heather Brown
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2025.08.27 Podcast Episode 1 Full Transcript​ Christa: Welcome everyone. We're excited for you to join us for our very first podcast for Co-Create Financial. I'm Christa. Matt: I'm Matt, Christa: and we're excited to talk to you about a couple of things. First, we're gonna cover just some general things that we see in the […]

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October 24, 2025
Donating Appreciated Assets
Heather Brown
No Comments

One of the most tax-efficient ways to give is by donating appreciated assets, like stock or real estate. When you donate assets that have increased in value since you purchased them, you avoid paying capital gains tax on the appreciation.   On top of this, if you itemize deductions, you can claim the asset’s full fair […]

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October 24, 2025
Qualified Charitable Distribution (QCD)
Heather Brown
No Comments

If you’re 70 ½ or older, qualified charitable distributions (QCDs) can be a great way to give directly from an IRA or an Inherited IRA. A QCD allows you to transfer funds from your IRA to a qualifying charity, satisfying your required minimum distribution (RMD) without adding to your taxable income. Since QCDs do not […]

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Pursue Your Passion!

The most important thing you can do for your future lies within the actions you take here and now.
Let's create a future...together.
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CoCreate Financial is an Investment Adviser registered with the state of Montana.
This website is a publication of CoCreate Financial. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. Information on this website does not involve the rendering of personalized investment advice, but is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the options presented. Information on this website is not an offer to buy or sell, or a solicitation of any offer to buy or sell the securities mentioned herein. Hyperlinks on this website are provided as a convenience and we disclaim any responsibility for information, services or products found on websites linked hereto. Information on this web site is directed toward U.S. residents only. CoCreate Financial, LLC is registered as an investment adviser with the state of Montana. CoCreate Financial only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. CoCreate Financial conducts business in numerous states.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended by the adviser), or product made reference to directly or indirectly on this website, or indirectly via hyperlink to any unaffiliated third-party website, will be profitable or equal to past performance levels. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals may materially alter the performance, strategy and results of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client’s investment portfolio. Historical performance results for investment indexes and/or categories, generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance results. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark.
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