Joel A. Estes CFP®, CPFA®, NQPA™

Joel A. Estes, CFP®, CPFA®, NQPA™

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®
Nonqualified Plan Advisor (NQPA™)
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

Joel is a Business Partner Member of the Miami Valley Human Resources Association. In his free time, he 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.

Selected Resources

SECURE 2.0 Act

Joel’s Articles

Tax Planning

How Women Can Benefit from SECURE 2.0

It is no secret that the financial odds are stacked against women. Whether caused by life circumstances outside of their control, unfair perceptions, or chosen priorities, women, on average, have more financial stress to overcome than men. Stress of any kind can take its toll on your health and well-being.

SECURE Act 2.0 continues a push in legislation to address some of the financial stress points that women face. Learn which new potential stress-reducer might benefit you?

Nonprofits

SECURE Act 2.0’s Enhancements for the Charitably Minded

Chatter abounds in the world of finance law since the Setting Every Community Up for Retirement Enhancement (SECURE) Act 2.0 became law on December 29, 2022. Built upon the work that was started in the original SECURE Act of 2019, the sequel creates further enhancements that impact how individuals and families may prepare for the lives they envision in retirement, as well as how they navigate that dream once it is achieved.

Among the enhancements introduced in the bill are additional benefits for those retirees who are engaged in giving back to their communities through charitable gifts. Here are some new considerations that may help you increase the impact of your charitable donations.

Wealth Management

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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A women smiling in an office, meeting with a client.

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.