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Joel A. Estes, CFP®, CPFA®

Financial Strategist

With 16 years of financial planning experience, Joel Estes serves as a financial strategist in our Dayton, OH office. Joel enjoys building and managing client relationships, providing life planning advice, as well as helping clients reach their financial autonomy goals. He also serves as Coordinator of Retirement Plan Services for the firm, leads our Tax & Legacy Specialized Practice Group as its Specialist, and serves on the firm’s Investment Strategy Committee.

Licensing and Education

  • CERTIFIED FINANCIAL PLANNER™ Professional
  • Certified Plan Fiduciary Advisor®
  • Series 7, Series 63
  • Bachelor of Arts in Accounting, Cedarville University

Accomplishments and Honors

Prior to joining McKinley Carter, Joel built and managed a book of business of individual clients and managed the corporate retirement plans division at his firm. From 2005-2009, he worked as an advisor for LifePlan Financial Group.

Community Involvement

In his free time, Joel enjoys tapping into his creative side -- writing and arranging music, leading music, playing trumpet, piano, pennywhistle, percussion instruments, and singing. His other hobbies include landscaping and interior/exterior design, distance running, walking, and all things basketball. Joel and his wife Leah reside in Beavercreek, OH with their four children. The family is very active with sports, music and church-related activities.

Joel’s Articles
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Rental Property: Investment or Job?

For individuals who have thought about getting into rental properties as an easy way to make cash while building assets for retirement, it will be important that you do your homework and set appropriate expectations of the venture. Learn more about calculating the returns on rental property.

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Making Lemonade from Lemons: How to Get Ahead with Capital Losses

We all invest money for one primary reason—to make money. No doubt, your financial plan outcome hinges on achieving some amount of return on your money you’ve accumulated. While the whole point of investing is to get a positive return on those resources over your holding period, your success does not rise nor fall on the consistency of price increases. Well-formed financial plans consider not only reasonably anticipated rates of return but also the variability of outcomes. In short, your financial plan should not experience shock from short-term fluctuations in the markets. Learn how to get ahead with capital losses.

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Expect to Leave Invigorated.

Every conversation with McKinley Carter is an energizing experience, an opportunity to take your financial instincts and confidence to the next level—starting with the very first one.

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