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27âHow much someone needs to retire primarily depends on their spending and non-investment income,â says Kevin Estes, founder and financial planner at [Scaled Finance, LLC] in Bellevue, Washingtonâ¦</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/how-do-you-figure-out-how-much-you-need-to-retire-800.webp"><img src="/images/opt/how-do-you-figure-out-how-much-you-need-to-retire-800.jpeg" alt="" width="800" height="450"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/forbes-300.webp"><img src="/images/opt/forbes-300.jpeg" alt="Forbes" width="300" height="169"></picture><h2><a href="https://www.forbes.com/sites/chriscarosa/2023/08/26/how-do-you-figure-out-what-you-need-to-retire/">How Do You Figure Out How Much You Need to Retire?</a></h2><p>âClarifying the desired retirement lifestyle is the most important aspect of preparing for retirement,â says Kevin Estes, founder and financial planner at [Scaled Finance, LLC] in Bellevue, Washingtonâ¦</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/what-percentage-of-my-income-should-go-to-my-mortgage-800.webp"><img src="/images/opt/what-percentage-of-my-income-should-go-to-my-mortgage-800.jpeg" alt="" width="800" height="450"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/forbes-advisor-220.webp"><img src="/images/opt/forbes-advisor-220.jpeg" alt="Forbes Advisor" width="220" height="220"></picture><h2><a href="https://www.forbes.com/advisor/mortgages/mortgage-to-income-ratio/">What Percentage of My Income Should Go to My Mortgage?</a></h2><p>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 lendersâ¦</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/if-you-think-it-s-time-to-collect-social-security-ask-these-11-questions-first-1370.webp"><img src="/images/opt/if-you-think-it-s-time-to-collect-social-security-ask-these-11-questions-first-1370.jpeg" alt="" width="1370" height="700"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/aol-300.webp"><img src="/images/opt/aol-300.jpeg" alt="AOL" width="300" height="300"></picture><h2><a href="https://www.aol.com/finance/m-financial-advisor-think-time-110142191.html">Iâm a Financial Advisor: If You Think Itâs Time to Collect Social Security, Ask These 11 Questions First</a></h2><p>âSocial Security retirement benefits are determined based on various factors,â said Kevin Estes, financial planner and founder of [Scaled Finance, LLC]. âTo verify your eligibility, please visit ssa.gov/myaccount and log in.â</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/heres-how-much-middle-class-families-should-spend-during-the-holidays-according-to-experts-480.webp"><img src="/images/opt/heres-how-much-middle-class-families-should-spend-during-the-holidays-according-to-experts-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-finance-220.webp"><img src="/images/opt/yahoo-finance-220.jpeg" alt="Yahoo! Finance" width="220" height="32"></picture><h2><a href="https://www.yahoo.com/lifestyle/articles/much-middle-class-families-spend-014605424.html">Hereâs How Much Middle-Class Families Should Spend During the Holidays, According to Experts</a></h2><p>According to Kevin Estes, [CFP®], founder of [Scaled Finance, LLC], it may be helpful to think in terms of hours. âConsider your hourly income after taxes and job expenses. How long would your loved ones want you to work to show them you care?â</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/401k-reality-the-difference-between-getting-your-full-employer-match-and-not-480.webp"><img src="/images/opt/401k-reality-the-difference-between-getting-your-full-employer-match-and-not-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-finance-220.webp"><img src="/images/opt/yahoo-finance-220.jpeg" alt="Yahoo! Finance" width="220" height="32"></picture><h2><a href="https://finance.yahoo.com/news/401-k-reality-difference-between-165518409.html">401(k) Reality: The Difference Between Getting Your Full Employer Match and Not</a></h2><p>Kevin Estes, [CERTIFIED FINANCIAL PLANNER® (CFP®)] and founder of [Scaled Finance, LLC], noted employees should consider the power of compound interest and employer matching. They can greatly impact the amount of money when itâs time to retire.</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/5-simple-ways-to-do-a-fall-financial-tune-up-480.webp"><img src="/images/opt/5-simple-ways-to-do-a-fall-financial-tune-up-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-finance-220.webp"><img src="/images/opt/yahoo-finance-220.jpeg" alt="Yahoo! Finance" width="220" height="32"></picture><h2><a href="https://finance.yahoo.com/news/5-simple-ways-fall-financial-180145184.html">5 Simple Ways To Do a Fall Financial Tune-Up</a></h2><p>Even if youâre not willing to spend a great deal of time looking at insurance options, it still makes sense to do at least a little shopping around. âYou may be able to both raise your limits and lower your premiums,â said Kevin Estes, [CERTIFIED FINANCIAL PLANNER professional] and founder of [Scaled Finance, LLC].</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/4-smart-ways-to-save-on-necessities-amid-rising-prices-480.webp"><img src="/images/opt/4-smart-ways-to-save-on-necessities-amid-rising-prices-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-finance-220.webp"><img src="/images/opt/yahoo-finance-220.jpeg" alt="Yahoo! Finance" width="220" height="32"></picture><h2><a href="https://finance.yahoo.com/news/tariffs-2025-4-ways-cut-150145720.html">4 Smart Ways To Save on Necessities Amid Rising Prices</a></h2><p>âMy wife and I do a full review of our expenses about once a year,â said Kevin Estes, founder of [Scaled Finance, LLC]. âWe find something every time. It could be a subscription we no longer use, a service we thought weâd cancelled or outright fraud.â âGrocery pickup and delivery have cut our bills,â Estes said. âWe purchase fewer impulse items by avoiding the store.â</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/trump-tariffs-when-experts-expect-true-cost-effects-on-americans-will-kick-in-480.webp"><img src="/images/opt/trump-tariffs-when-experts-expect-true-cost-effects-on-americans-will-kick-in-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-finance-220.webp"><img src="/images/opt/yahoo-finance-220.jpeg" alt="Yahoo! Finance" width="220" height="32"></picture><h2><a href="https://finance.yahoo.com/news/trump-tariffs-experts-expect-true-163128025.html">
27Trump Tariffs: When Experts Expect True Cost Effects on Americans Will Kick In</a></h2><p>âRetailers generally pass cost increases on to consumers with price increases. Price increases only cause inflation if the goods are available for sale. The CEOs of Walmart and Target privately warned President Trump in April that tariffs could lead to empty shelves,â said Kevin Estes, [CERTIFIED FINANCIAL PLANNER® (CFP®)] and founder of [Scaled Finance, LLC).</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/want-to-retire-in-your-50s-480.webp"><img src="/images/opt/want-to-retire-in-your-50s-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-finance-220.webp"><img src="/images/opt/yahoo-finance-220.jpeg" alt="Yahoo! Finance" width="220" height="32"></picture><h2><a href="https://finance.yahoo.com/news/want-retire-50s-9-ugly-130141497.html">Want to Retire in Your 50s? 9 Ugly Truths You Need to Know</a></h2><p>âSupporting a loved one can either force an employee out of or back into the workforce. Consider who else might depend on your income,â according to Kevin Estes, financial planner and founder of [Scaled Finance, LLC].</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/trump-paused-social-security-garnishment-for-defaulted-student-loans-480.webp"><img src="/images/opt/trump-paused-social-security-garnishment-for-defaulted-student-loans-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-finance-220.webp"><img src="/images/opt/yahoo-finance-220.jpeg" alt="Yahoo! Finance" width="220" height="32"></picture><h2><a href="https://finance.yahoo.com/news/trump-paused-social-security-garnishment-130114988.html">Trump Paused Social Security Garnishment for Defaulted Student Loans: 4 Ways Your Finances Could Benefit</a></h2><p>âA delay in wage garnishment may help someone build up their cash reserve,â said Kevin Estes, [CFP®], founder of [Scaled Finance, LLC]. âI generally recommend keeping at least three to six months of living expenses handy.â</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/5-surprisingly-great-assets-retirees-dont-think-to-invest-in-480.webp"><img src="/images/opt/5-surprisingly-great-assets-retirees-dont-think-to-invest-in-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-finance-220.webp"><img src="/images/opt/yahoo-finance-220.jpeg" alt="Yahoo! Finance" width="220" height="32"></picture><h2><a href="https://finance.yahoo.com/news/5-surprisingly-great-assets-retirees-133624956.html">5 Surprisingly Great Assets Retirees Donât Think to Invest In</a></h2><p>âInvesting in a small business or local startup could be a good investment,â Estes said. âWhile thereâs certainly risk, a retiree may improve the odds by sharing their connections, experience and other resources.â</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/4-signs-you-are-not-building-lasting-wealth-as-smartly-as-other-americans-480.webp"><img src="/images/opt/4-signs-you-are-not-building-lasting-wealth-as-smartly-as-other-americans-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-finance-220.webp"><img src="/images/opt/yahoo-finance-220.jpeg" alt="Yahoo! Finance" width="220" height="32"></picture><h2><a href="https://finance.yahoo.com/news/4-signs-not-building-lasting-120041220.html">4 Signs You Are Not Building Lasting Wealth as Smartly as Other Americans</a></h2><p>âAmericans build wealth by spending less than they earn and investing the rest. Itâs a virtuous cycle. More investments lead to higher income, which increases saving and restarts the cycle,â said Kevin Estes, a financial planner and the founder of Scaled Financeâ¦</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/7-ways-to-get-rich-in-your-later-years-800.webp"><img src="/images/opt/7-ways-to-get-rich-in-your-later-years-800.jpeg" alt="" width="800" height="450"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-finance-220.webp"><img src="/images/opt/yahoo-finance-220.jpeg" alt="Yahoo! Finance" width="220" height="32"></picture><h2>
27<a href="https://finance.yahoo.com/news/m-financial-advisor-7-ways-120042040.html">Iâm a Financial Advisor: 7 Ways to Get Rich in Your Later Years</a></h2><p>Kevin Estes, founder and financial planner at [Scaled Finance, LLC], believes there is hope for older savers. âSomeone whoâs established in their career may be closer to their financial goals than they think,â said Estes.</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/heres-how-i-made-1-million-while-in-retirement-480.webp"><img src="/images/opt/heres-how-i-made-1-million-while-in-retirement-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-finance-logo-1000.webp"><img src="/images/opt/yahoo-finance-logo-1000.jpeg" alt="Yahoo! Finance" width="1000" height="350"></picture><h2><a href="https://finance.yahoo.com/news/m-retiree-made-1-million-170008990.html">Iâm a Retiree: Hereâs How I Made $1 Million While in Retirement</a></h2><p>Financial planner and founder of [Scaled Finance, LLC], Kevin Estes, referenced Edgar Bronfmanâs quote when he emphasized compounding as a driver of wealth: âTo turn $100 into $110 is work. To turn $100 million into $110 million is inevitable.â</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/5-savings-habits-that-could-actually-be-working-against-you-480.webp"><img src="/images/opt/5-savings-habits-that-could-actually-be-working-against-you-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-life-logo-630.webp"><img src="/images/opt/yahoo-life-logo-630.jpeg" alt="Yahoo! Life" width="630" height="183"></picture><h2><a href="https://www.yahoo.com/lifestyle/articles/5-savings-habits-could-actually-220049184.html">5 Savings Habits That Could Actually Be Working Against You</a></h2><p>Kevin Estes, [CFP® professional] and founder of [Scaled Finance, LLC], said it may be a mistake to put too much of your savings into retirement accounts. âWhile the company match and tax savings are nice, liquidity is an issue. A checking, savings or taxable brokerage account could work well if funds are needed soon.â</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/7-easy-ways-savvy-travelers-book-cheaper-hotel-rooms-480.webp"><img src="/images/opt/7-easy-ways-savvy-travelers-book-cheaper-hotel-rooms-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-life-logo-630.webp"><img src="/images/opt/yahoo-life-logo-630.jpeg" alt="Yahoo! Life" width="630" height="183"></picture><h2><a href="https://www.yahoo.com/lifestyle/articles/7-easy-ways-savvy-travelers-191907025.html">7 Easy Ways Savvy Travelers Book Cheaper Hotel Rooms</a></h2><p>According to Kevin Estes, founder and financial planner at [Scaled Finance], one travel hack is to choose a hotel near but not at a prime location. âYears ago, my wife and I stayed at a hotel near Whistler at a fraction of the cost,â Estes said. âI like to stay near conference hotels, which gives me an excuse to explore new cities!â</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/dont-let-growing-surcharges-crash-your-budget-5-ways-to-avoid-them-480.webp"><img src="/images/opt/dont-let-growing-surcharges-crash-your-budget-5-ways-to-avoid-them-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-life-logo-630.webp"><img src="/images/opt/yahoo-life-logo-630.jpeg" alt="Yahoo! Life" width="630" height="183"></picture><h2><a href="https://www.yahoo.com/lifestyle/articles/don-t-let-growing-surcharges-190157018.html">Donât Let Growing Surcharges Crash Your Budget - 5 Ways to Avoid Them</a></h2><p>Vacation surcharges are often tied to service costs, according to Kevin Estes, founder and financial planner at [Scaled Finance, LLC]. âPlanning ahead can lower both the base cost and fees on hotels, car rentals and parking. Avoid holiday and peak season travel where possible,â Estes said.</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/7-smart-ways-to-cut-costs-and-avoid-healthcare-bills-480.webp"><img src="/images/opt/7-smart-ways-to-cut-costs-and-avoid-healthcare-bills-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/yahoo-health-logo-300.webp"><img src="/images/opt/yahoo-health-logo-300.jpeg" alt="Yahoo! Health" width="300" height="150"></picture><h2>
27<a href="https://health.yahoo.com/healthcare/articles/7-smart-ways-cut-costs-110404630.html">7 Smart Ways To Cut Costs and Afford Rising Healthcare Bills</a></h2><p>If you donât already, it may be helpful to schedule regular times to review your expenses â perhaps a monthly or bi-monthly review will work for you. âYou may have unused items, zombie subscriptions, billing errors or outright fraud,â said Kevin Estes, [Certified Financial Planner® professional] and founder of [Scaled Finance, LLC].</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/4-things-your-neighbor-who-retired-early-wont-tell-you-about-their-financial-plan-480.webp"><img src="/images/opt/4-things-your-neighbor-who-retired-early-wont-tell-you-about-their-financial-plan-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/msn-logo-299.webp"><img src="/images/opt/msn-logo-299.jpeg" alt="MSN" width="299" height="168"></picture><h2>
27<a href="https://www.msn.com/en-us/money/retirement/4-things-your-neighbor-who-retired-early-won-t-tell-you-about-their-financial-plan/ar-AA1Fhr5G">4 Things Your Neighbor Who Retired Early Wonât Tell You About Their Financial Plan</a></h2><p>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.</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/tariffs-in-2025-4-ways-to-cut-back-on-necessities-amid-rising-prices-480.webp"><img src="/images/opt/tariffs-in-2025-4-ways-to-cut-back-on-necessities-amid-rising-prices-480.jpeg" alt="" width="480" height="270"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/nasdaq-300.webp"><img src="/images/opt/nasdaq-300.jpeg" alt="NASDAQ" width="300" height="200"></picture><h2><a href="https://www.nasdaq.com/articles/tariffs-2025-4-ways-cut-back-necessities-amid-rising-prices">Tariffs in 2025: 4 Ways to Cut Back on Necessities Amid Rising Prices</a></h2><p>âMy wife and I do a full review of our expenses about once a year,â said Kevin Estes, the founder of [Scaled Finance, LLC]. âWe find something every time. It could be a subscription we no longer use, a service we thought weâd cancelled or outright fraud.â</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/13-lessons-from-millionaires-1370.webp"><img src="/images/opt/13-lessons-from-millionaires-1370.jpeg" alt="" width="1370" height="700"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/nasdaq-300.webp"><img src="/images/opt/nasdaq-300.jpeg" alt="NASDAQ" width="300" height="200"></picture><h2><a href="https://www.nasdaq.com/articles/13-lessons-from-millionaires-that-financial-planners-use-to-help-others-get-rich">13 Lessons From Millionaires That Financial Planners Use To Help Others Get Rich</a></h2><p>Kevin Estes, a financial planner and the founder of [Scaled Finance, LLC], has seen similar cases in his practice. âThe ârichestâ people I know donât have the most,â he said. âThey have enough. Proactively reviewing expenses helps them cut what isnât worth it to them and double down on what isâ¦â</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/ai-is-making-robo-advisors-smarter-and-cheaper-300.webp"><img src="/images/opt/ai-is-making-robo-advisors-smarter-and-cheaper-300.jpeg" alt="" width="300" height="200"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/quartz-logo-569.webp"><img src="/images/opt/quartz-logo-569.jpeg" alt="Quartz" width="569" height="88"></picture><h2><a href="https://qz.com/robo-advisors-smarter-cheaper-with-ai-for-investors">Robo-advisors are getting smarter with AI â and cheaper.</a></h2><p>Kevin Estes, founder of [Scaled Finance, LLC near Seattle], said AI might seem like a convenient shortcut, but it has a clear limitation. âAI is very good at answering the questions that you ask; the challenge is that people may not know the right questions to ask,â Estes said.</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/spouse-or-house-most-buyers-prefer-the-latter-480.webp"><img src="/images/opt/spouse-or-house-most-buyers-prefer-the-latter-480.jpeg" alt="" width="480" height="316"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/homes-com-logo-474.webp"><img src="/images/opt/homes-com-logo-474.jpeg" alt="Homes.com" width="474" height="106"></picture><h2><a href="https://www.homes.com/news/spouse-or-house-most-buyers-prefer-the-latter/1967719835/">Spouse or house? Most buyers prefer the latter.</a></h2><p>"There are other expenses: pre-paid insurance, closing costs, appraisal fees, title documentation fees, and other fees associated with the home," Estes told Homes.com. "And then it needs to be livable. You need to buy furniture, [and] might need to do quick remodels before you move in."</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/how-much-cash-do-clients-really-need-640.webp"><img src="/images/opt/how-much-cash-do-clients-really-need-640.jpeg" alt="" width="640" height="640"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/think-advisor-500.webp"><img src="/images/opt/think-advisor-500.jpeg" alt="ThinkAdvisor" width="500" height="86"></picture><h2><a href="https://www.thinkadvisor.com/2023/09/29/how-much-cash-do-clients-really-need-advisors-advice/">How Much Do Cash Do Clients Really Need?</a></h2><p>âI usually recommend people keep three to six monthsâ worth of living expenses in cash and cash equivalents. However, it dependsâ¦â - Kevin Estes, founder and financial planner, [Scaled Finance, LLC]</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/how-14-advisors-found-the-right-client-niche-640.webp"><img src="/images/opt/how-14-advisors-found-the-right-client-niche-640.jpeg" alt="" width="640" height="640"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/think-advisor-500.webp"><img src="/images/opt/think-advisor-500.jpeg" alt="ThinkAdvisor" width="500" height="86"></picture><h2><a href="https://www.thinkadvisor.com/2023/07/14/how-14-advisors-found-the-right-client-niche-advisors-advice/">How 14 Advisors Found the Right Niche</a></h2><p>
27âHaving worked at T-Mobile for nine years, I knew the quality and character of the employees. I kept getting basic financial questions from co-workersâ¦â - Kevin Estes, founder and financial planner, [Scaled Finance, LLC]</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/15-portfolio-spring-cleaning-tips-640.webp"><img src="/images/opt/15-portfolio-spring-cleaning-tips-640.jpeg" alt="" width="640" height="640"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/think-advisor-500.webp"><img src="/images/opt/think-advisor-500.jpeg" alt="ThinkAdvisor" width="500" height="86"></picture><h2><a href="https://www.thinkadvisor.com/2024/04/08/15-portfolio-spring-cleaning-tips-advisors-advice/">15 Portfolio Spring-Cleaning Tips</a></h2><p>âComplicated portfolios are overwhelming! Streamlining can help someone manage their assets well. Simplifying also eases the burden on loved onesâ¦â - Kevin Estes, founder, financial planner, [Scaled Finance, LLC]</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/7-tips-for-clients-who-overspend-160.webp"><img src="/images/opt/7-tips-for-clients-who-overspend-160.jpeg" alt="" width="160" height="160"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/think-advisor-500.webp"><img src="/images/opt/think-advisor-500.jpeg" alt="ThinkAdvisor" width="500" height="86"></picture><h2><a href="https://www.thinkadvisor.com/2024/04/22/7-tips-for-helping-clients-who-overspend-advisors-advice/">7 Tips for Clients Who Overspend</a></h2><p>âYou cannot be behind on your path! Whateverâs happened made you who you are today. Shame and blame have no place in finance. Ignoring spending only makes things worseâ¦â - Kevin Estes, founder, financial planner, [Scaled Finance, LLC]</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/14-pieces-of-wisdom-that-are-not-so-wise-480.webp"><img src="/images/opt/14-pieces-of-wisdom-that-are-not-so-wise-480.jpeg" alt="" width="480" height="480"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/think-advisor-500.webp"><img src="/images/opt/think-advisor-500.jpeg" alt="ThinkAdvisor" width="500" height="86"></picture><h2><a href="https://www.thinkadvisor.com/2024/08/07/14-pieces-of-investing-wisdom-that-are-not-so-wise-advisors-advice/">14 Pieces of âWisdomâ That Are Not So Wise</a></h2><p>âIâve learned that it often doesnât make sense to quickly pay off debt. There are tax benefits for home mortgages, student loans and business debt. Student loans may even be forgivenâ¦â - Kevin Estes, founder and financial planner, [Scaled Finance, LLC]</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/what-rising-global-trade-tensions-mean-for-retirees-and-pre-retirees-480.webp"><img src="/images/opt/what-rising-global-trade-tensions-mean-for-retirees-and-pre-retirees-480.jpeg" alt="" width="480" height="283"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/annuity_org-389.webp"><img src="/images/opt/annuity_org-389.jpeg" alt="Annuity.org" width="389" height="129"></picture><h2><a href="https://www.annuity.org/2025/04/29/what-rising-global-trade-tensions-mean-for-retirees-and-pre-retirees/">What Rising Global Trade Tensions Mean for Retirees and Pre-Retirees</a></h2><p>âAn ideal allocation doesnât depend on the state of the economy,â says Kevin Estes, a [CFP® professional] whoâs founder of [Scaled Finance, LLC] in Bellevue, Washington. âHow much to hold in U.S. stocks, international stocks, bonds and cash depends more on an investorâs risk capacity and when theyâll need the money.â</p></article><hr><article class="press-release"><picture class="press-release__image"><source type="image/webp" srcset="/images/opt/logo_trend_report_spirals-1008.webp"><img src="/images/opt/logo_trend_report_spirals-1008.jpeg" alt="" width="1008" height="1008"></picture><picture class="press-release__logo"><source type="image/webp" srcset="/images/opt/logo_lounge_logo-152.webp"><img src="/images/opt/logo_lounge_logo-152.jpeg" alt="Logo Lounge" width="152" height="152"></picture><h2><a href="https://www.logolounge.com/articles/2023-logo-trend-report">2023 Logo Trend Report</a></h2><p>âThe resulting spiral is most associated with the cross section of a nautilus shell. 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