I have been using Evernote Premium for years have over 6,000 notes. I am a Commercial Real Estate Mortgage Broker and I create a new folder for each client.
I have just hit the 250 folder limit. I use both folders and tags. I welcome guidance would love to stay with Evernote if possible.
Just throwing out an idea, I don’t know if it would meet your needs. You can have 100,000 tags. I think tags and folders are similar in function, and you can nest tags. So you could create a tags in the pattern, “A-D,” “E-H,” “I-L,” and so on, and then a nest an individual tag for each client underneath alphabetically in the format “Last Name, First Name.” That would, I think, be well organized as an alternative to client notebooks. You could then start using folders to store files by the year of the transaction.