About CoSpark

Built by people who understood the system well enough to build a better one.

CoSpark exists because a group of entrepreneurs, families, and practitioners decided that understanding how wealth creation works at the highest levels came with an obligation: make it accessible to everyone.

The deposits you make fund loans to other people. The interest on those loans generates profit for the institution. What you receive in return is a fraction of what your money helped create. This is how banking has worked for over a century, and it is extraordinarily profitable for the institution.

CoSpark's founders understood this architecture from the inside. They had built businesses, managed assets, and watched the 2008 financial crisis confirm what many already suspected: the system that holds your money was never structured to build your wealth. So they spent six years building a member-driven commonwealth where participation creates value, reserves stay with the people who contributed them, and the benefits flow back to the members who made it possible. It started with a handful of families and one question nobody in the financial industry had much incentive to answer: what if the model worked for the members first?

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CoSpark community gathering

Where It Started

Working to build what we could not find.

Boyd and Sheila Morris spent nearly two decades doing humanitarian work across North Africa, Central Asia, and the Himalayas, co-founding charitable organizations and building infrastructure in communities that had none. Everywhere they went, they noticed the same pattern: people with energy and willingness, locked out of wealth-building by systems they had no part in designing.

When the 2008 crash hit, the Morrises saw that pattern at home. Families who had saved, invested, and followed the conventional advice lost years of progress overnight. Boyd and Sheila were among them.

In the aftermath, Boyd began studying the mechanics of how wealth is actually created at scale: not the retail version sold to consumers, but the wholesale side of the financial system that institutions use to build permanent capital. Real estate-backed assets, structured reserves, the compounding effect of pooled participation over time. The insight was uncomfortable: these mechanisms exist, they work, and they are almost entirely unavailable to ordinary people because the institutions that control them have no reason to share.

The early conversations that became CoSpark

Boyd and Sheila brought that insight to their kitchen table and started talking to families they trusted, to entrepreneurs who had built and lost and rebuilt, to people with the stubbornness to spend years getting a new model right. Two networks of families and friends converged. Boyd and Sheila's circle (John and Michelle Brennan, Nathan LeBlanc, Gary and Joanne Geveshausen, Mackenzie Tamayo) brought the humanitarian and philosophical foundation. A second group brought entrepreneurial experience and financial alternatives they had been exploring independently. Together, they formed the core of what would become CoSpark.

On February 1, 2020, after nearly six years of development, the company was formally incorporated as The Community Corp, since evolved into CoSpark. The founding premise has never changed: build a commonwealth that gives ordinary people access to the wealth-creation mechanics that have always existed at the top of the financial system, and let participation be the engine that drives it.

How It Works

What do we mean by Commonwealth?

CoSpark is a private, member-driven commonwealth. That word matters. A commonwealth exists to generate benefit for its members, governed by their participation, sustained by their collective activity. It shares DNA with cooperatives and credit unions, but it is a corporate structure (a C-Corp) built to acquire and hold assets, generate revenue, and direct the value of that activity back to the people who make it possible.

The core principle is multiplicative exchange. In most financial relationships, value moves in one direction. You deposit money, the bank uses it, you get a fraction back. CoSpark operates differently. Each act of participation creates more than one unit of value: your contributions stay yours, your participation generates Boost Payments funded from corporate revenue, your commerce strengthens the network, and your consistency builds future buying power. This is how wealth has been built at the institutional level for generations: pooled capital, structured reserves, compounding returns. CoSpark's contribution was building a model that makes those mechanics available to its members, with published formulas and transparent terms.

Three elements carry this model:

The Corporation

Manages assets, administers programs, and ensures the financial engine runs with discipline and transparency. It holds commercial real estate-backed assets, manages the Member Reserve Program, and funds the Boost Payments that flow to members from corporate revenue. The corporation is the steward, not the beneficiary.

The Network

The living community of individuals, families, businesses, nonprofits, and collaborative ventures that participate in CoSpark. When members buy from each other, hire each other, and support each other's initiatives, the economy that most financial institutions extract from instead stays within the community that created it.

The Centers

Where CoSpark becomes tangible. Physical locations, the first in Colorado Springs, where members gather, learn, access coaching, and build the kind of trust that only comes from being in the same room. The Centers house the BrightEyed Society restaurant, community events, and educational programming. Financial infrastructure without human connection is just another app.

These three elements reinforce each other: the corporation provides financial structure, the network provides economic activity, and the centers provide trust and accountability.

See the Member Reserve Program

The Leadership

Bringing the vision to light.

CoSpark's leadership team includes people who have built businesses, served in the military, administered global humanitarian organizations, and navigated the financial system from the inside.

Boyd Morris, Co-Founder and Chairman

Boyd Morris

Co-Founder and Chairman

Boyd graduated from George Fox University and spent two decades with Sheila building charitable organizations and humanitarian initiatives across North Africa, Central Asia, and the Himalayas. He was ordained in 2004 and launched business and real estate ventures in the U.S. that same year. When the 2008 crash exposed the structural fragility most people face in the conventional financial system, Boyd and Sheila redirected their energy toward building a model that could do what the existing system wouldn't: create genuine, accessible, long-term wealth-building for families and communities. They have called Colorado Springs home since 1998.

David Befort, Chief Executive Officer

David Befort

Chief Executive Officer

David is a graduate of the United States Air Force Academy who flew A-10 combat missions in multiple deployments before turning his focus to entrepreneurship. He founded companies in real estate development, financial education, and leadership training, and served as a Lieutenant Colonel in the Minnesota Air National Guard before retiring in 2025. David leads CoSpark with the precision of someone trained for high-stakes decisions and the conviction of someone who believes financial independence should be built on infrastructure, not privilege.

Meet the full team

The model is published. The math is transparent. The door is open.

CoSpark was built by people who believe you deserve to understand how wealth creation works and to participate in it on terms that respect your contribution. Everything about the model is documented, the formulas are available, and the leadership is accessible. The only thing left is whether you want to see for yourself.

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