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McCoy Rowley, Owner & Financial Adviser with Mountain Sage Financial

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American Fork, UT
McCoy Rowley, Owner & Financial Adviser with Mountain Sage Financial

Providing quality financial strategies, and offers insurance and financial services.

Providing quality financial strategies, and offers insurance and financial services, and employee benefits to businesses and individuals.

04/11/2023

After a couple months of grinding, I am happy to announce that I have successfully passed the CFP®️ Exam! This has been a goal of mine ever since I started in this industry! Incredibly excited to start applying this planning knowledge with my clients and help them pursue their ideal lifestyle!
Major shoutout to my amazing wife Annie, there is no way I could have done this without her support!

01/31/2022

When do you prefer to work out and why?

I have always enjoyed getting up early and getting a good weightlifting session in followed by some HIIT or cardio.

I feel it’s the best time of the day for me because I have less distractions and it feels like “my personal time.”

This question came to mind after listening to a recent podcast.

I’m a big fan of Andrew Huberman and his Huberman Lab podcast (if you aren’t listening, you're missing out) and on his podcast “The Science of Making & Breaking Habits” he shared the science behind habit formation and task bracketing as a practice for a successful day.

In short, and yes, I know this doesn’t do his podcast justice PLEASE check it out, when you split up your day into different phases, you engage in a form of task bracketing.

The first phase of the day, first 8 hours after waking up, regardless of what you do, your body is in a state with elevated levels of norepinephrine, epinephrine (adrenaline) and dopamine.

This will put you in a mental state where you are more focused and ready to take on action and struggle.

We all know those tasks that are just a struggle to complete and are those small mountains we have to climb. Give yourself the competitive edge by attacking those tasks in the first phase of the day.

01/24/2022

9-40% of those reading this post will eventually be diagnosed with a physically debilitating muscle disease that will take 3-5% of their muscle mass each decade.

Today, I was doing some reading on aging and diseases commonly associated to aging and came across Sarcopenia.

A quick search led me to a WebMD website that described what Sarcopenia is and its treatments. Sarcopenia is the decay of muscle mass and function.

Among all of the diseases related to aging, this is one of the more frightening ones (in my opinion). I consider myself a fairly active person, and I hate to be restricted in my activities.

Those that are affected by Sarcopenia will lose on average, with no intervention or treatment, 3-5% of muscle mass each decade. The primary treatment for Sarcopenia? Strength training.

Now, what if I told you that 100% of those reading this post will be affected by a widespread decay in your purchasing power at an average rate of 3%... ANNUALLY. Purchasing power is the value of your hard-earned money and your ability to spend/use it.

Yes, you did read that correctly. Unlike Sarcopenia, 100% of us will feel the effects of inflation, like we have this year. In 2021 alone we saw inflation hit 7%. Most of us will notice inflation when the products or services we have always consumed increase in cost.

Luckily some financial strategies and tools will help us keep pace with inflation and assure our purchasing power does not decrease, or at least by too much.

What do you do to help reduce aging?

What do you do to help reduce the effects of inflation?

01/19/2022

One thing I have loved about being married to Annie is learning how to ski.

Some things I love about skiing is the feeling of charging groomers, cruising through trees, and floating on powder.

While skiing recently, it got me thinking…

What is more important? Skis or the gear?

A personal experience puts this question into perspective.

At one point in my life I gave snowboarding a chance and I got so cold, I ditched the slopes early and vouched I would never go skiing or snowboarding again.

I was on the mountain snowboarding, but my lack of gear cut my experience short.

The same can occur in our lives with financial matters.

We need a balance between putting our money to work and managing the risk we take on when investing and purchasing assets.

Working with this ski analogy, a pair of skis and a pass would be like owning assets and being invested in the market.

Our helmet and googles, jacket and pants, good socks and boots, would be like having proper amounts of insurance, a sufficient emergency fund, and proper debt management.

The gear protects you, weathers the conditions and helps enhance your experience skiing.

The skis and pass unlock the actual experience of why you went on the mountain in the first place.

01/12/2022

Before my flight back to Utah the other day, I received an email every traveler dreams of.

Complimentary upgrade to first class!

When I first got the notification on my Fly Delta app, I was worried that I accidentally upgraded myself and would then be hit with an unexpected bill!

I even reached out to Delta to potentially confirm my upgrade was legit, lol.

Most of you probably think I am ridiculous for even considering to cancel, but it happened! However, once this email came through, I was relieved to know I would not have to pay.

This experience makes me think about a piece of financial advice that can instantly improve your wellbeing.

Take the free money.

Most of us have the opportunity, through our 401k/ employer sponsored retirement plans, to receive a match on our contributions.

Meaning if you contribute 3% of your salary, your company will match your contribution and put it in that account for you.

Thats a 100% return on your money.

Guaranteed.

Enjoy the gifts in life and take the free money.

Have you ever flown first class, or received an unexpected upgrade?

01/06/2022

This is the the view from our hotel’s beach in Cabo. What an awesome way to start the New Year right?

If you look closely, you’ll see a variety of watercraft out in the ocean.

Cruise ship, sail boat, fishing boat, yacht, and wave runners.

Each one floats and will move you across the water, but each uniquely designed for their intended use.

Wave runners are quick and light for rippin on the water.

Fishing boats are strapped up with downriggers, outriggers and nets.

Sail boats leverage wind to move.

Cruise ships are massive, cary many, and are unmoved by the ocean.

Financial tools, like watercraft, come in many different forms. They can appear to accomplish the same thing, but each are designed for their unique purposes.

We help our clients make sure they pick the right ship for THEIR goals.

Before you embark on your financial journey, make sure you don’t pick a wave runner to get you from LA to Cabo.

01/04/2022

10 pages a day keeps the brain decay away.

Palm trees, beaches and sun are also crucial for emotional well-being…

01/01/2022

Kicking off 2022 right. One step closer to the CFP.

After some hard work and studying, I am excited to announce that I have been awarded the Financial Services Certified Professional, FSCP, from the American College of Financial Services.

How are you kicking off 2022?

11/10/2021

SUSTAINABILITY

Weightlifting and resistance training has been a hobby of mine for 10+ years.

I love that I can use an exercise to increase physical strength, develop a disciplined mentality, and be more humble.

There have been many periods of time where I have seen dramatic success, and many periods where I have plateaued.

The biggest lesson I have learned over the years is the importance of creating a training regimen that is SUSTAINABLE. An unsustainable training regimen for me usually consisted of unrealistic goals, overtraining of certain muscle groups, and not enough balance between gym time and McCoy time.

I eventually learned how to develop sustainable fitness plan which included value based goals, proper planning of workouts, and good timing that allow me to rest and enjoy life.

Similarly, there are many financial habits and mindsets one could adopt, that without the proper planning and strategy, can lead to financial burnout.

The key to a sustainable financial plan is realistic goals and expectations, efficient use of your financial resource aka money, and the flexibility of a plan that allows you to enjoy life now.

Have you experienced burnout recently?

Address

21 E 100 N, Suite 104
American Fork, UT
84003

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

http://mtnsagefp.com/

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