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A great financial advisor can enhance your investments, impact and equip you to live on 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.
Who we are
Nestled into the mountain valley town of Bozeman, Montana, CoCreate Financial is a boutique, financial planning and investment management firm. Our financial advisors are fee-only fiduciaries providing our clients with thorough and high-level planning and guidance. We enjoy getting to know our clients personally and taking great care to understand their beliefs, values, and convictions. From that vantage point, we help them align their wealth and resources with their purpose and goals, so that they can truly make the impact they want on the world. We ensure our clients have clarity into how their finances can be catalysts for doing extraordinary things.

CoCreate Financial’s team of financial advisors provide investment management, business and strategic planning, retirement planning, long-term tax planning, estate plan design, charitable giving, cash flow strategy, and preparing for major life transitions. All our financial advisors build upon disciplined research and a long term perspective.

We make sure our clients understand their portfolios and feel empowered with their decisions. We will re-evaluate their plan with them throughout different transitions and seasons of life. We also share regular market updates, helping them to stay grounded during market noise and remain confident in the strategy behind their wealth.

If you’re looking for a team of financial advisors with a personal touch, practical tools, and a drive to help you use your resources in a way that empowers you to live your best life, let’s get started creating your future together.

Schedule an intro meeting today!

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

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

A single-again professional woman evaluates her assets

Simplifying finances
Consolidating accounts
Reviewing real estate 
Exploring charitable giving
Explore Her Story

A daughter receives a life-changing inheritance

Managing estate
Honoring legacy
Clarifying purpose
Re-envisioning goals
Maximizing impact
        Explore Their Story   

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.

How you get started with a CoCreate Financial Advisor

We've carefully constructed a process to help you get significant, immediate value from our financial planning process while cutting down wasted time from unnecessary meetings.

Start with an intro meeting

The first step is to schedule an intro meeting by visiting cocreatefinancial.com/schedule and picking a time that will work for you. 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.
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
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.

Meet the Team

Matt Hudak

MATT HUDAK

AAMS®, CFP®, CEPA®
FOUNDER
FINANCIAL ADVISOR
Christa Hudak

CHRISTA HUDAK

CFP®, ChFC®, CKA®
PRESIDENT
FINANCIAL ADVISOR
Heather Brown

HEATHER BROWN

DIRECTOR OF COMMUNICATIONS
Emma Shaw

EMMA SHAW

ASSOCIATE FINANCIAL ADVISOR
LEARN MORE

Recent Posts

August 18, 2026
Building a Financial Architecture
Matt Hudak, AAMS®, CFP®, CEPA®
No Comments

Summary: In this video, Matt Hudak, AAMS®, CFP®, CEPA®, builds out a sample "Financial Architecture", which is a practical system for organizing your money so that it functions to support your goals. He explains it like a reverse budgeting approach that prioritizes directing income into the right financial "buckets," including cash reserves, debt repayment, retirement […]

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July 27, 2026
Summer 2026 Market Update
Emma Shaw
No Comments

The first half of the year has reminded us that the stock market rarely grows in a straight line. It has reacted to changing economic data, rumors about the future of interest rates, geopolitical events (war, changes in international trade policy/preference, etc.), Congress’s inability to function, and continued drama around investing in artificial intelligence. In […]

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May 8, 2026
Should I Rollover my 401K?
Matt Hudak, AAMS®, CFP®, CEPA®
No Comments

Summary: Matt Hudak AAMS®, CFP®, CEPA®, Financial Advisor and Chief Investment Officer of CoCreate Financial, explains why the answer to whether you should roll over a 401(k) to an IRA (or a Roth 401(k) to a Roth IRA) is almost always yes, despite widespread internet misinformation driven by financial industry liability concerns and unresolved Department […]

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May 7, 2026
How Your Values Lead to Better Financial Decisions
Christa Hudak, CFP®, ChFC®, CKA®
No Comments

Summary:Matt Hudak AAMS®, CFP®, CEPA®, Financial Advisor and Chief Investment Officer, and Christa Hudak CFP®, ChFC®, CKA®, Financial Advisor and Chief Planning Officer for CoCreate Financial, explain their approach to financial planning by aligning financial decisions with a client’s core values, beliefs, and convictions to create more long-term satisfaction than traditional math-only goal setting. 2026.05.07 […]

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Frequently Asked Questions

  • 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.

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.
LET'S GO!
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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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