Fee-only adviser · Bozeman, MT
Cocreate Financial
Cocreate Financial is a fee-only investment adviser registered with the securities regulator of Montana, with its main office in Bozeman, Montana. On its latest Form ADV, filed February 2, 2026, it reports $38M in regulatory assets under management, 112 individual clients and 3 employees who give investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.
Key facts from Form ADV
| Registration | State-registered: Montana |
|---|---|
| Firm CRD number | 299648 |
| Office | 1805 W Dickerson Building 2, Suite 3 Bozeman, MT 59715 |
| Phone | (406) 206-7571 |
| Website | cocreatefinancial.com |
| Regulatory assets under management | $38M |
| Individual clients | 84 non-high-net-worth, 28 high-net-worth |
| Financial planning clients | 51-100 |
| How it charges | Percentage of assets, Hourly, Fixed fee |
| Services | Financial planning, Portfolio management, Selection of other advisers, Educational seminars |
| Employees | 3 |
| Disciplinary disclosures | None reported |
| Latest Form ADV filing | February 2, 2026 |
Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.
What this means for you
- It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
- It also charges a percentage of assets managed for ongoing investment management.
- Most of its individual clients are not high-net-worth, so it is likely to work with people who are still building assets.
- It provides financial planning services, not only portfolio management.
- It sponsors or manages a wrap fee program; ask what the bundled fee covers.
- It reports no disciplinary history on Form ADV.
Before you hire any adviser
Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.
Other fee-only advisers in Bozeman
- Xypn Sapphire $1.3B
- Professional Financial Management, Inc. $304M
- Northfork Advisors $108M
- Monteith Wealth $74M
- Springhill Wealth Management $82M
- Arkell Asset Management, LLC $75M
See all 13 fee-only advisers in Bozeman →
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