At CoCreate we are always looking to develop strategic relationships that will provide additional benefits to our clients. We are pleased to share that we have onboarded Realized 1031 as a sub-advisor to fill a very specific need for many of our clients.

Real Estate is a phenomenal wealth builder and it has been particularly powerful in the Bozeman community where we have seen dramatic appreciation of real estate values for many years, well over the national averages. We serve many families and individuals who have acquired a handful of rental properties over the years, utilizing conventional financing and steady rental income to build their asset base, often doing the work of managing and maintaining properties themselves, which further increases their return. If this has been your story, you should be proud of the wise decisions you have made and the hard work you have invested as well as grateful for the favorable market conditions you have experienced to this point.

As the year comes to a close, many of us find ourselves reflecting on how we can make a meaningful impact — not just in our own lives, but in the lives of others. It’s important that we understand the options we have available to us to help us create an impact on the things […]

This article is about the stock market decline on December 18, 2024.  It is made up of notes and thoughts on December 19th at about 8:00AM.  Stocks opened higher today, but there may be more to come. Yesterday, the “markets” declined rather precipitously, with the S&P 500 ending down 2.97%.  Of course, nobody actually owns the […]

Here are two sets of charts that we feel do a great job of explaining what is happening in the stock markets over the past few weeks. The first is one that we created about a month ago that illustrates the tech bubble on July 10th. The second chart shows three different stock market averages, […]

A contact directory for our clients.

Matt Hudak, AAMS®, CFP® We don’t publicly engage in much discourse that touches the political spectrum.  We believe the polarization of American society is the greatest geopolitical and economic risk we face today and in order to overcome this risk we need to come together.  In turn, we do our best to put our energy […]

We're really excited to announce our cocreate financial client portal and app. In the first few days of July, each of our clients will receive a link and instructions to set up a new portal account. We've been working very hard to include a lot of useful features and have complete control over how your […]

We get a lot of questions about how to teach kids about money, and for good reason! Every parent wants their kids to develop the skills to be successful and live a meaningful and impactful life and we all know that money management plays an important role. When considering engaging your children (or any young […]

Thinking about the future of your business?   At CoCreate Financial, we work with business owners at all stages so that your business gives you the most opportunities to live the life you want.  Whether you're just starting your business, making plans for strategic growth, or preparing for your next adventure, CoCreate Financial Advisors integrate business planning and advanced exit planning services with comprehensive financial planning and wealth management. 

Where are you in your journey?

Most people are asking three financial questions: how much is enough? Will I always have enough? Will it always be enough? Our job as financial advisors is to help you navigate the challenging questions surrounding your financial resources.  Most people start out with a specific financial question that fits into one of these three categories. […]

Dividend Income provides more stability to your portfolio and enhances your performance, especially during market crises. Today's general perspective on dividends is that they don't matter... clearly they do. If you're like most people, who are in the left column, let us help you make sure you're in the best position possible to Pursue Your […]

f you own rental properties, in the last year and a half you probably have asked the question, “Should I sell?” Maybe it is a thought you have quickly pushed to the side, or maybe you have already unloaded a property or two and are deciding how to best utilize your proceeds. There is a collection of reasons every landlord is asking this question right now and they are important to examine. But even if you decide you should sell a property, the next question is if you can do something else with your proceeds to replace the steady income you received form your rental.

Summary: 2020 is in the running for one of the most bizarre years in American history.  We’ve all spent most of the year just trying to decipher what’s happening.  Some of us have been fortunate in the midst of it, and some of us have experienced great loss.  At CoCreate Financial, we’ve been doing everything […]

It is a big decision to engage a professional financial advisor and it is helpful to know what you should expect in the process. At CoCreate Financial, we work a little differently than most firms. This article will give you an overview of the process we use to allow clients to explore our firm and […]

This article was written as a whitepaper we used prior to the extreme impact the Coronavirus lock-downs had on the employment situation across the US. Although unemployment rates skyrocketed and it it looks like a employer's labor market, hiring and finding the right employees is just as hard as it was before the virus, but […]

The best way to choose your relief options is to start with your business's needs. This flowchart can guide your thought process.

This is a field manual of sorts. COVID-19 is here. now how do you invest in the wake of the 2020 Crash? I’ve looked at hundreds of investment portfolios, and I’ve gone through the materials most advisors have used to create them (speaking generally of course).  Occasionally, I’ll see an account statement or a portfolio […]

I believe that our economy is strong.  I believe it is remarkably flexible and resilient.  A couple of weeks ago I shared our thoughts in verse about economics considering COVID-19 and the “Oil Price War.”  You also got a glimpse of my love for Mexican food.  As we have watched the story unfold, we have […]

If I owned a Taco Truck (AKA, the perspective of a professional Wealth Manager) Matt Hudak, AAMS®, CFP® CoCreate Financial, Founder & CEO Over the last couple of weeks, we’ve watched Coronavirus stir panic across the United States.  This past weekend, OPEC met to negotiate oil pricing for participating countries.  When Russia wouldn’t agree to […]

Coronavirus has dominated headlines for most of the year so far, and it’s become the most frequently asked question we’ve received from clients in regard to the security of their portfolios.  For most of the year, the markets mostly ignored CV and have been growing rapidly because the investing public finally accepted that recent economic […]

While it is obvious that having less debt and more assets is a good thing, the problem comes when the concept is simplified to Mortgage Free = Financial Freedom. Let’s take the time to explore what paying off your mortgage does and does not accomplish for your financial situation.

I am excited to be restarting my career as a Financial Advisor at Co|Create Financial. After about a year and a half out of the industry, I am drawn back because of how significant money is in each of our lives and the incredible depth at which I am able to equip and empower people […]

“How much will I need to Budget for healthcare costs when I retire?” When I sit down with people who are preparing for retirement, one of the most significant topics we end up wading through is their potential healthcare cost.  Many have significant concerns that they will bankrupt themselves paying for their medical expenses.   Even […]

Major market indices (S&P 500, Dow Jones Industrial Index, et al) have declined today, and have done so in a way that will make headlines. What do we really need to know? How should we react? The "Technical" Picture The chart at the top of the page illustrates the price movements of the S&P 500 […]

Like going to the doctor for your regular check-ups, it's important to keep your finger on the pulse of your financial plan. Usually this happens in conversations with your Financial Advisor, but occasionally, you'll want to do a thorough review. Refinancing your home or purchasing a new piece of property is the perfect time for an in-depth financial consultation.

July is the season when economists and investment advisors reflect upon the first half of the year and give ink to their thoughts about the year to come. These are some of my mid-year musings, which will guide portfolios, investment decisions, and conversations over the coming months.
Find out what you need to know about the past six months and what the rest of the year has in store.

Mutual Funds disclose costs in different categories and methods based on specific legal definitions. These often make it very unclear what you actually pay. Do you understand your costs?

I believe every one of us is searching for significance and satisfaction in life.  My work as a financial advisor has put me in contact with a lot of different people at differing levels of wealth and poverty, and I’ve become convinced of a simple truth: Success, satisfaction and significance aren’t born out of your […]

I believe every one of us is searching for significance and satisfaction in life.  My work as a financial advisor has put me in contact with a lot of different people at differing levels of wealth and poverty, and I’ve become convinced of a simple truth: Success, satisfaction and significance aren’t born out of your […]

This three part series of articles was originally written by Christa Hudak in November of 2016. Budgeting documents my financial growth.  It is helpful to periodically evaluate where you are, where you have been and where you are going. If you don’t have a record, it is very hard to make this evaluation. It can […]

This three part series of articles was originally written by Christa Hudak in November of 2017. Budgeting relieves financial stress. A big source of stress is uncertainty. Simply not knowing where your money goes or what you will be able to afford is stressful. If you run a budget and track your expenses you know […]

I understand that not everyone is wired to be a neurotic budgeter like myself, but I do believe it is critical for everyone align themselves with a basic budget. I want to share with you why I love budgeting.

First of all, let me direct your attention to the CFP Board of Standards, for the best generic summary of what to look for in a financial planner. [click here to read it] Second. These articles about what you should look for in a financial advisor often leave much to be desired. Almost every one […]