CoCreate Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
CoCreate Financial provides integrated wealth management to individuals (including high‑net‑worth clients), charitable organizations, pension plans, and closely held business owners. Services include discretionary investment management, financial planning (either bundled with management or on a stand‑alone basis), and business consulting tailored to owners preparing for transitions or value enhancement.
The firm generally manages accounts on a discretionary basis using model portfolios, third‑party managers, and a focus on dividend‑yielding stocks and bonds, with implementation often delivered through a bundled wrap‑fee program. Its investment toolkit includes modern portfolio theory, fundamental and technical analysis, and may employ option writing and other derivatives in managed accounts; clients are advised that tax efficiency is not the firm’s primary objective and should consult tax professionals.
Notable differences from many peers include operating the wrap‑fee program almost exclusively—bundling advisory, execution, and third‑party manager services—and the explicit use of derivatives in separately managed strategies, both of which the brochure highlights as creating trade‑execution and allocation considerations. The firm also emphasizes business‑owner services (90‑day value‑enhancement sprints, recurring accountability workshops, and optional enhanced workshops/seminars) and family‑office planning, offerings that are less common among similarly sized supported advisers.
Client services
Expertise
Occupation focus
Fee options
Fixed fees range from $100 to $7,500 for financial planning; up to $15,000 for business consulting engagements
$0 - $499,999.99: 2.000% $500,000 - $999,999.99: 1.875% $1,000,000 - $1,499,999.99: 1.750% $1,500,000 - $1,999,999.99: 1.625% $2,000,000+: 1.250%
$500 per hour for financial planning, consulting, and business consulting services
Fee-only: Fixed fees from $100 to $7,500; hourly fees at $500 per hour for financial planning and consulting services
Main office
1805 W Dickerson, Building 2, Suite 3
Bozeman MT 59715
Advisors at this office
3
Most active in
Montana · Texas
Also doing business as
Cocreate Financial · Cocreate Financial LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Christa H
CFP®, ChFC®, Series 63, Series 65
Bozeman, MT
CoCreate Financial
Christa Hudak is a CFP® and ChFC® with eight years of industry experience. She has worked at CoCreate Financial since 2019 and previously held roles at Raymond James Financial Services and Hudak & Associates, Inc. Outside of financial advising, she was an independent consultant for Rodan and Fields and involved with Journey Evangelical Church. CoCreate Financial provides integrated wealth management to individuals, charitable organizations, pension plans, and closely held business owners. The firm uses discretionary investment management with model portfolios and third-party managers, emphasizing dividend-yielding stocks and bonds, and offers specialized services for business owners and family-office planning.
Emma S
Series 65
Bozeman, MT
CoCreate Financial
Emma Shaw is a financial advisor at CoCreate Financial with one year of industry experience. She holds a Series 65 credential and is based in Bozeman, MT. Prior to joining CoCreate Financial, Shaw held several roles in diverse industries including hospitality and retail. CoCreate Financial provides integrated wealth management services to individuals, charitable organizations, pension plans, and closely held business owners. The firm utilizes discretionary management through model portfolios and third-party managers, with a focus on dividend-yielding stocks and bonds, and offers specialized business consulting and family-office planning services.
Matthew H
CFP®, Series 66
Bozeman, MT
CoCreate Financial
Matthew Hudak is a CFP® and holds a Series 66 license with 12 years of experience in financial advisory. He has worked at CoCreate Financial since 2018 and previously worked at Regal Financial and Raymond James Financial Services. CoCreate Financial provides integrated wealth management to individuals, charitable organizations, pension plans, and closely held business owners. The firm manages accounts primarily on a discretionary basis using model portfolios and third-party managers, with a focus on dividend-yielding stocks and bonds, and offers specialized services for business owners and family-office planning.
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