What is Cotide?
An educational company dedicated to teaching core financial and behavioral success tenets to help the next generation plan a meaningful life, have the money to afford it, and the wisdom to keep it.
What does “Cotide” mean?
The word “cotidal’ represents a line on a map at which point high tide occurs simultaneously. Our design is to lift a whole generation to its “high tide” together.
Cotide’s mission is educating the next generation to make smart, informed financial choices while pursuing their unique life by design.
We believe each of us was born on purpose, with a calling, and a path. Cotide aims to illuminate your path by sharing life design, wealth, and wisdom resources throughout your life adventure, including collegiate advising. Cotide's primary mission is to cultivate a community of individuals who share a common vision: to lead purposeful lives while actively contributing to the betterment of everyone around them.
Why Cotide Now?
Our education system is not designed to help students prepare for, or make, sound financial decisions. This reality is affecting the next generation's massive debt accumulation and lack of wealth creation. As interest rates and the cost of living have mushroomed since the pandemic, these challenges have multiplied.
At the same time…life doesn’t pause…these life-altering financial decisions and the lack of planning happen amidst key life decisions such as education, career, and residency.
After the Great Recession and through the Pandemic…US National debt has risen from $4 Trillion to over $33 Trillion (according to the US Treasury Dept. as of Sept 2023) without a significant tax increase while government entitlement programs such as Social Security are being depleted. A solid financial foundation is now lacking both governmentally and personally. We start now and we start with ourselves.
Cotide’s mission is educating the next generation to make smart and informed financial choices while building and pursuing their unique life by design.
Together We Rise
Elevating Financial Success By Design
We believe that when you make smart and informed decisions about your life by design you strengthen not just your life, but your family, community, country and world. How do we know that?? Because the opposite is so clear! The pain of living by default is not only littered throughout the newspapers of today but on all the pages of history. Our global community has become too small for this to continue.
Cotide goes beyond having a strong financial foundation. We dive into the behaviors and psychology around money and wealth that impacts our ability to live by design. Each life by design adds to the light of our world. Will you add to it?
Testimonial
When I signed up for Cotide three years ago, I knew I needed to better understand my finances — but I had no idea how transformative this experience would be. What I found was a course that went far beyond budgeting or spreadsheets. Cotide gave me something I never received in school: true financial life skills. I learned how to make smart, informed decisions about money, how to plan for the life I wanted, and how to actually build it.
The course helped me untangle my mindset around money, understand my personal values, and create a financial foundation that would support my long-term vision. It wasn’t just about saving more — it was about aligning my finances with a life of purpose, service, and stability.
Because of Cotide, I gained the confidence and clarity to take a leap: starting my own business. I had no formal background in business, but with the tools and perspective I developed through Cotide, I felt equipped to take the first step.
Today, I’m the founder of FLORA Nutrition, a virtual private practice specializing in digestive health. In just 2.5 years, we’ve grown a team, served hundreds of clients across the country, and this year will exceed $1 million in annual revenue. And I can say with certainty — none of this would have happened without the mindset shift and financial literacy I built through Cotide.
Cotide doesn’t just teach you about money. It teaches you how to take ownership of your life, your dreams, and your future. If you're ready to stop living by default and start living by design, this is where you begin.
~ Molly, Founder of FLORA Nutrition
Testimonial
I took the Life by Design course with Peter two years after graduating college. At the time, I was earning a modest salary at a company I liked, but I had no clue how to manage, spend, or save my income. Peter helped me see that regardless of how much I was making, I could still set myself up for long-term success. He introduced me to the power of compound interest and investing, but more importantly, he helped me realize I had a choice in how I approached both my career and my life.
For the first time, I sat down and mapped out the life I actually wanted to live—from career goals to family, paying off student loans, and how often I wanted to travel. I started thinking intentionally about what I wanted and how to get there. After completing the class, I made a career move that doubled my income, and I’ve continued to reflect on how I live and spend my time.
This course is for anyone who wants to build confidence with money, develop practical skills, and start designing a life that truly fits them.
~ Hannah G
Testimonial
COTIDE and Peter have set me up for long-term financial success. The saving and investing principles I learned in the course not only alleviated a lot of stress of managing my income, but also helped me build productive habits that I can apply as I grow financially in my career. I would encourage anyone starting their career to take this course.
~ Brenda M
Testimonial
I really got a lot out of this three-part class. It wasn’t just about finances—it was about stepping back and thinking about the kind of life I actually want to live, and how to be more intentional about getting there.
One of the biggest takeaways for me was the idea of living by design—not just going through the motions, but really visualizing what I want my life to look like, then creating a plan (both personal and financial) to make it happen. That really stuck with me.
The sessions were practical, easy to follow, and honestly pretty motivating. I left feeling clearer, more organized, and excited to take action. I’d definitely recommend it to anyone who wants to get a better handle on their goals and money.
~ Colin C
Testimonial
The Cotide course taught me how to establish a vision for my future, stay true to that vision and most importantly make it a reality. Peter provides fantastic insight on how to hold yourself accountable and establish a life by design.
~ Cord C