In the News

Articles, press releases, and media mentions

News, media activity, and press releases featuring Kevin Estes and/or Scaled Finance.

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Older man and woman sitting at a dining room table reviewing financial papers together.

“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 in Bellevue, Washington…

Forbes in black font on a white background.
Older man and woman seated at a table reviewing documents.

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

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Kevin Estes, an hourly financial planner and founder of Scaled Finance, 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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$100 bill and Social Security cards on top of the U.S. Capitol building.

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

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Asian American man in a suit and plaid shirt in front of a keyboard with bright, modern windows behind him.

Kevin Estes, founder and financial planner at Scaled Finance, 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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Asian American man looking out a partially closed blind wearing a blue suit, white dress shirt, and a red tie with white diagonal stripes. A computer monitor and books sit on a table behind him.

Kevin Estes, a financial planner and the founder of Scaled Finance, 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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Older woman seated at a desk with a headset in front of a computer.

“If you’re financially independent, focus on what you’re good at, love, and the world needs. If that happens to earn income, all the better,” says Kevin Estes, Financial Planner and Founder of Scaled Finance.

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Older couple looking at a laptop and holding a piece of paper.

Kevin Estes, Founder & Financial Planner, Scaled Finance says, "It rarely makes sense for investors over age 55 to have an 80%+ equity allocation. However, it might make sense if they have a very high risk tolerance, have enough assets that a small percentage of their portfolio invested in Treasuries funds all their expenses, and have specific goals…”

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Teton Mountain Range viewed from Idaho on a sunny day.

Kevin Estes from Scaled Finance prompts, “How much do homes cost in the area? Are homeowner association (HOA) fees the norm? How much are the heating and cooling costs?”

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Photo of an older couple staring out across the water toward the sunset.

However, Kevin Estes, Founder & Financial Planner, Scaled Finance has some good news regarding costs in retirement, "Healthcare expenses tend to rise with age, but not as much as many fear…”

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Image of a man in a suit holding a tablet which is projecting a blue neon image of a brain with bright nodes.

“A.I. can help clients quickly get up to speed on investing basics – that’s especially helpful for my hourly practice!” claims Kevin Estes, Financial Planner and Founder of Scaled Finance…

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Picture of a man with two hands outstretched - one holding a toy house and the other holding a sack with a dollar sign.

Kevin Estes, Founder & Financial Planner, Scaled Finance elaborates, "One key consideration for investing in real estate is ‘Do you have time for a part-time job?'…”

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Image of an older couple hugging on bicycles on a wooded dirt road.

While retiree healthcare costs are very high for many, Kevin Estes, Founder & Financial Planner, Scaled Finance, notes that for some, healthcare costs can be much lower than they expect, "Pre-retirees often overestimate future healthcare premiums…”
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“Long-term investing is like climbing a mountain. Steep inclines take your breath away. Switchbacks seem to stretch forever. Obstacles block your path. Valleys are disorienting,” Kevin Estes, Financial Planner and Founder of Scaled Finance…

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Man in a denim jacket with a wallet pulling out cash, including a $50 bill.

“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

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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

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Graphic of a man wearing a tie on a step ladder inserting a green pie into a pie chart.

“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

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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

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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.”