Our Process

Every person and organization is unique.  At the same time, a systematic approach yields the best results.  We’ve created a unique approach that works to answer the questions that are on your mind quickly, while creating and managing a comprehensive financial plan that’s easy to manage over the course of your lifetime.  We’ve also embraced our ability to align our interests with yours through asset management using evidence-based style of investment management, so we win when you win.  Our distinctive process also makes it easy to keep your plan up to date as you move toward your goals and discover new passions.

Rather than spending hours of your time working though topics that aren’t at the top of your list, we start with the specific reasons you’ve connected with us and begin the asset management process.  From there, we line out a roadmap with any other burning questions you want us to address.

When our relationship gets off the ground, we meet with most of our clients at least once each year and touch base once or twice each quarter to make sure we’re always on the same page and meeting your needs.  We’ll also use these annual rhythms to address new financial topics as they become relevant to you.

We’ve found this way of comprehensive planning to be cost-effective and time saving for our clients while producing the highest-level outcomes.  We’re excited to get started on your financial plan!


We think Financial Advice should be based on the relationships built with our clients. It’s the only way to both hats a financial advisor should wear—Personal Financial EngineerSM and Financial Coach. When we get to know one another, it opens doors to a lot of really cool places. It also means that there even more areas of financial planning to cover and our investment management needs to flexible and effective.
The CFP Board of Standards has 8 “domains” of financial planning. We think there are a lot more than that, but the most important part of it all is knowing and working for you. A few of the Co|Create Financial services involve:

• Strategies for Savers and Achievers
• Strategies for Small Business Owners
• Strategies for Freedom in Retirement
• Strategies for Helping the Next Generation
• Strategies for Giving and Charity
• 401(k) Investment Consultation

Investment Thesis

The investment industry is like a freight train charging ahead at full steam, but it jumped its track somewhere back in the 1960s. Fueled by a gross oversimplification and misapplication of Modern Portfolio Theory, the Financial Industry manages almost all portfolios in a manner that creates at least as many problems as the theory solves. We recognize evidence over theory.

Most who choose not to concede to the popular opinion, instead make speculative decisions based on charts and graphs, believing the wizardry of charting is something more of a science (so-called Technical Analysis).  There isn’t much evidence that this is any more effective than the other theory.

While we believe there is something to be gained from both camps, a close look at the history and philology behind these investment philosophies in their contemporary application to be  lacking. We take a more conservative and traditional approach—a theory that is internally consistent, supported empirically, and has withstood the test of time.

Essentially, we use the different investment vehicles (i.e. stocks and bond) the way they were designed to be used.  There are a few universally applicable concepts for all investment decision-making:

  • Owning a Security (a stock, bond, etc.) should be contemplated as a business decision based on the quality and type of security itself. That means, for a stock, we evaluate each company’s stock based on the company’s profitability and continued ability to compensate you for ownership.
  • Diversification is one of the most important concepts in portfolio construction, but it doesn’t mean owning everything or every type of investment.
  • When we only evaluate “risk” as short-term price movements, we are ignoring about 8 other types of risk that are much more significant to our overall financial health.
  • It’s a bad idea to own shares of a business that’s consistently losing money or a loan to a country that can’t pay its debts. It doesn’t matter if it reduces the Standard Deviation of your portfolio (diversifying risk) over a short time-period if you lose money in the long-run.

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CoCreate Financial, LLC is a Registered Investment Advisor in the state of Montana.

This website is a publication of Co|Create 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.  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.  The adviser may recommend the purchase of insurance-related products. Adviser is a licensed insurance agent with various insurance companies and may receive additional compensation for such transactions.