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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!


In most cases, build long term relationships with our clients in which we create and implement a dynamic, comprehensive financial plan that has the flexibility to enhance their lives throughout all of life’s transitions.  From there we manage our clients’ portfolios in an efficient financial architecture, coordinate and distribute their cashflow, create and implement charitable giving strategies, estate plans, and long term-tax strategies.  CoCreate Financial also provides succession planning assistance for small business owners and wide variety of other financial services to clients as they need them.  We’ll coordinate with a client’s other advisors to make sure these strategies are implemented efficiently and don’t conflict with other areas of your financial life.

As an independent Investment Adviser, we don’t have corporate interests guiding our investment selection.  We’ll create your investment plan based on your needs alone, and then we manage it so you don’t have to.  In most cases, we wrap all of our planning services into your portfolio management fee, which directly aligns our success with yours.

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.