In the News

News, media activity, and press releases featuring Kevin Estes, CFP®, CCFC, MBA or Scaled Finance, LLC.

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"Gen X is saddled with heavier student loans than their parents. This debt has severely restricted cash flow and delayed life decisions like buying a home and having children," said Kevin Estes, founder and financial planner at Scaled Finance…

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“How much someone needs to retire primarily depends on their spending and non-investment income,” says Kevin Estes, founder and financial planner at [Scaled Finance, LLC] in Bellevue, Washington…

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“Clarifying the desired retirement lifestyle is the most important aspect of preparing for retirement,” says Kevin Estes, founder and financial planner at [Scaled Finance, LLC] in Bellevue, Washington…

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Kevin Estes, an hourly financial planner and founder of [Scaled Finance, LLC], suggests that you exceed the minimum credit, income and cash requirements when possible. Estes also recommends getting quotes from at least two lenders…

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“Social Security retirement benefits are determined based on various factors,” said Kevin Estes, financial planner and founder of [Scaled Finance, LLC]. “To verify your eligibility, please visit ssa.gov/myaccount and log in.”

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“Investing in a small business or local startup could be a good investment,” Estes said. “While there’s certainly risk, a retiree may improve the odds by sharing their connections, experience and other resources.”

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“Americans build wealth by spending less than they earn and investing the rest. It’s a virtuous cycle. More investments lead to higher income, which increases saving and restarts the cycle,” said Kevin Estes, a financial planner and the founder of Scaled Finance…

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Kevin Estes, founder and financial planner at [Scaled Finance, LLC], believes there is hope for older savers. “Someone who’s established in their career may be closer to their financial goals than they think,” said Estes.

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Financial planner and founder of [Scaled Finance, LLC], Kevin Estes, referenced Edgar Bronfman’s quote when he emphasized compounding as a driver of wealth: “To turn $100 into $110 is work. To turn $100 million into $110 million is inevitable.”

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Kevin Estes, [Certified Financial Planner® professional] and founder of [Scaled Finance, LLC], advises retirees to simplify their lifestyle, paying only for what truly matters to them and cutting expenses where they can. That might mean moving to a smaller home, doing your own yard work, and cooking at home instead of dining out.

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“My wife and I do a full review of our expenses about once a year,” said Kevin Estes, the founder of [Scaled Finance, LLC]. “We find something every time. It could be a subscription we no longer use, a service we thought we’d cancelled or outright fraud.”

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Kevin Estes, a financial planner and the founder of [Scaled Finance, LLC], has seen similar cases in his practice.

“The ‘richest’ people I know don’t have the most,” he said. “They have enough. Proactively reviewing expenses helps them cut what isn’t worth it to them and double down on what is…”

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“I usually recommend people keep three to six months’ worth of living expenses in cash and cash equivalents. However, it depends…” - Kevin Estes, founder and financial planner, [Scaled Finance, LLC]

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“Having worked at T-Mobile for nine years, I knew the quality and character of the employees. I kept getting basic financial questions from co-workers…” - Kevin Estes, founder and financial planner, [Scaled Finance, LLC]

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“Complicated portfolios are overwhelming! Streamlining can help someone manage their assets well. Simplifying also eases the burden on loved ones…” - Kevin Estes, founder, financial planner, [Scaled Finance, LLC]

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“You cannot be behind on your path! Whatever’s happened made you who you are today. Shame and blame have no place in finance. Ignoring spending only makes things worse…” - Kevin Estes, founder, financial planner, [Scaled Finance, LLC]

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“I’ve learned that it often doesn’t make sense to quickly pay off debt. There are tax benefits for home mortgages, student loans and business debt. Student loans may even be forgiven…” - Kevin Estes, founder and financial planner, [Scaled Finance, LLC]

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“An ideal allocation doesn’t depend on the state of the economy,” says Kevin Estes, a [CFP® professional] who’s founder of [Scaled Finance, LLC] in Bellevue, Washington. “How much to hold in U.S. stocks, international stocks, bonds and cash depends more on an investor’s risk capacity and when they’ll need the money.”

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“The resulting spiral is most associated with the cross section of a nautilus shell. The pure simplicity of this shape derived from such a divine formula of nature allows it to fairly represent depth with simple beauty.”