Wealthtender Wealthtender

Financial Professionals

Sign In Or Sign Up

Individuals

Subscribe for Money Tips
Wealthtender

Joe Petry, PhD, CFP®, CRPC®

Tax smart retirement planning and asset management for a flat fee

Connect Cancel

Wealthtender Community Connect helps people discover the best financial advisors for their individual needs through their favorite blogs and podcasts.

Click Here to Learn More
Contact Me
Mayfair Financial Joe Petry, PhD, CFP®, CRPC®
Kirkwood, MO

Serving Clients Nationwide

Tax smart retirement planning and asset management for a flat fee

16 Certified Advisor Reviews™
5 out of 5 Stars
Jump to Reviews

217-840-5538

Website

Areas of Focus

  • Estate Planning
  • Investing
  • Investment Management
  • Retirement Planning
  • Social Security
  • Tax-Smart Distribution Planning
  • Taxes

About Joe Petry, PhD, CFP®, CRPC®

Hi, I'm Joe Petry, the founder of Mayfair Financial, a trusted financial planning firm.

Over three decades, I have worked in financial markets and educated others on how they work. I have built a process emphasizing simplicity, detailed customization, and dedicated service. I work closely with individuals and families, helping them untangle the complexities and capitalize on their wealth opportunities.

I began my career in 1991 after completing a Ph.D. in economics from the University of Illinois. I went on to work as an Economist at Citibank and Credit Suisse First Boston and taught economics and finance at NYU Stern School, IUPUI, and the University of Illinois.

Throughout my career, I have thought carefully and deeply about wealth management and the evidence-based practices that differentiate the very best advisory services. I earned my Master's in Personal Financial Planning from the College of Financial Planning and hold the Chartered Retirement Planning Counselor® credential.

I'm active with the Financial Planning Association and the XY Planning Network. I'm also a fiduciary for my clients, meaning all decisions are made with my client's best interests at heart.

Outside work, I enjoy spending time with my wife, Ann, family (including dogs Finn and Emy), and friends. I love being out in nature, hiking, and camping, and I am a voracious reader. I also love playing basketball with my buddies.

Professional Designations

  • CERTIFIED FINANCIAL PLANNER ®
  • Chartered Retirement Planning Counselor (CRPC)
  • Enrolled Agent (EA)
  • Master of Science in Financial Planning (MSFP)

Affiliations

  • CFP Board
  • Fee Only Network
  • Financial Planning Association
  • National Association of Personal Financial Advisors
  • XY Planning Network

Primary Location

Kirkwood, MO 36122

Meeting Options

  • Video Conference
  • In-Person
  • Phone
Book Intro Call

Compensation Methods

  • Offers Advice-Only Services
  • Fee Only
  • Flat Fee

What to expect in the first meeting

Click the 'Book Intro Call' button to schedule a free introductory video call. We will discuss your current situation, what motivated you to schedule the call, and what you hope to achieve through a financial plan. We will also preview a few common deliverables. By the end of the call, we should have a good idea if we are a mutual fit. We look forward to our meeting!

Offers Investment Management

Yes

About Mayfair Financial

Mayfair Financial is a flat-fee financial planning firm.

We offer financial planning and asset management for a flat fee. We provide ongoing planning on all aspects of your finances. Our services include smart asset management and regular tax minimization guidance.

We are a fiduciary for our clients, meaning that we always act in the client's best interest--we receive no commissions, loads, sales fees, or referral fees of any sort for any of the products or services we recommend.

The starting point of our ongoing service is creating your financial plan, which is the roadmap for future decision-making. We implement investment and tax-related strategies for you. We work with you to make adjustments as things change, whether in the economy, taxes, or your life circumstances. With our ongoing support & investment management, we're with you as a trusted partner along the way.

With the comprehensive plan in place, we'll continue to work with you throughout our relationship on areas such as:

✅ Portfolio withdrawal strategies
✅ Roth conversions
✅ Tax bracket management
✅ Analyzing pension payment options
✅ Investment account consolidation
✅ Cash management
✅ Reallocating investment portfolios
✅ Social Security & IRMAA planning
✅ Tax gain/loss harvesting
✅ Health insurance coverage analysis
✅ Asset location/allocation analysis
✅ Periodic portfolio rebalancing
✅ Amending insurance coverage
✅ Retirement spending plan
✅ Updating estate plan
✅ Income tax withholding elections


We'll have up to four scheduled meetings per year to stay up-to-date on your plan, refine your portfolio withdrawal strategy, determine tax planning objectives and actions, and answer questions. We are also available as needed.

You'll also have a personal finance portal on RightCapital, our financial planning software. RightCapital aggregates information and data from your banking, investment, and lending accounts into one dashboard. You'll be able to see and track your net worth, investment holdings, cash flow projections, and progress toward your goals.

Education

PhD, Economics, University of Illinois Urbana-Champaign, MS, Personal Financial Planning, College of Financial Planning, BS, Economics, University of Illinois, Urbana-Champaign

Volunteer Experience

I'm an active St. Peter Catholic Church and the ACTS retreat community member. I served on the Illinois Association of Park District Board of Directors, Champaign Park District Board, East Central Illinois Foundation, and Prairie Rivers Board. I have also received awards for my volunteerism and leadership, and I believe in the power of random acts of kindness as one way to better the world around us.

Hobbies and Interests

  • Basketball
  • Camping
  • Family
  • Hiking
  • Reading
  • Volunteering

SEC Lookup

View Disclosure

Who We Serve

  • Baby Boomers
  • Corporate Executives
  • Couples
  • DIY Investors
  • Dual Income Family
  • Gen X
  • Intergenerational Families
  • Living in Retirement
  • Parents

Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

Write a Review


By clicking submit, you acknowledge this review is based on your own experience and reflects your genuine opinion. You also agree to our review policy, privacy policy, and terms and conditions, and give this financial advisor permission to publicly display your review on their website.

Joe Petry is the GOAT of Financial Adviors!

✅ Wealthtender Certified Advisor Review™
Aug 6, 2025
My husband and I had our retirement funds and most other investments with an AUM advisor for over 20 years. As we began to get closer to retirement the advisor didn’t really seem that helpful with retirement planning. We knew we needed to find another advisor to help us navigate this next stage of life. We also knew we wanted to stop paying AUM fees and hire a flat fee advisor. We are so happy we found Joe! He is extremely organized and very thorough in evaluating your overall present and future financial picture. He explains everything in a way that is easy to understand. His recommendations are sound. He is readily available whenever you have questions or concerns. He has helped us simplify and organize our finances. Before Joe, we felt a bit lost and anxious about navigating the financial aspects of retirement. But now we feel confident and look forward to enjoying retirement and not stressing out about money. Our only regret is that we didn’t find Joe sooner!
Relationship to Financial Advisor: Client as of Aug 6, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Terri
Terri

Excellent experience working with Joe Petry

✅ Wealthtender Certified Advisor Review™
Jun 28, 2025
I am a federal worker and 2025 has been a very turbulent year for us, particularly with regards to various retirement options and possible changes to our retirement benefits. Joe was excellent to work with. I wanted someone to do an end-to-end retirement plan to help me determine whether it may be possible to retire three years ahead of my original plan. He reviewed everything, from insurance policies and legacy planning to current investments, daily expenses and tax planning. He was very patient, as we had to take a break of a few months until things settled down and options were presented. His recommendations were sound and put me on a path to being able to manage my own investments with confidence. He was even amendable to allowing my adult son to participate in the meetings so that both of us were on the same page with my financial picture. I couldn't be more please with his services and highly recommend him.
Relationship to Financial Advisor: Client as of Jun 28, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Federal worker, Columbia, MD
Federal worker, Columbia, MD

Feeling More Confident

✅ Wealthtender Certified Advisor Review™
Apr 2, 2025
I was looking for flat fee advisor and came across Joe Petry. He has exceeded my expectations. He is extremely thorough and detail orientated. He presents things in an organized manner and supports the reasoning behind his recommendations. He has been approachable, personable and available for questions via email or calls. I am happy with the decision to use a flat fee advisor as Joe's recommendations are for my best interest. I would highly recommend his services.
Relationship to Financial Advisor: Client as of Apr 2, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for anonymous
anonymous

3RD TIME IS THE CHARM

✅ Wealthtender Certified Advisor Review™
Mar 22, 2025
MY WIFE AND I HAD USED 2 PREVIOUS FINANCIAL ADVISORS OVER THE LAST 15 YEARS, BUT THEY WERE NEITHER A FIDUCIARY, OR NOT VERY PERSONABLE. JOE IS THE TOTAL OPPOSITE. HE IS A FIDUCIARY, VERY PERSONABLE, AND MAKES YOU FEEL PART OF HIS FAMILY. WE ARE IN THE EARLY STAGES WITH JOE, BUT WE WILL BE IN FOR THE LONG HAUL. HE IS VERY REACHABLE, AND GETS BACK TO YOU LIKE SOMEONE SHOULD. WE HIGHLY RECOMMEND JOE, AND LOOK FORWARD TO A LONG & HEALTHY RELATIONSHIP.
Relationship to Financial Advisor: Client as of Mar 22, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for IRIS AND NEIL RUBIN
IRIS AND NEIL RUBIN

Great Experience!

✅ Wealthtender Certified Advisor Review™
Dec 9, 2024
My wife and I have recently begun to work with Joe on our retirement analysis and plan. We are a few years away from retirement and were looking for a flat fee advisor to partner with to help us get our finances in order. Our experience working with Joe has been great. The process he uses is very through and Joe does a great job sharing the why behind his recommendations. It truly feels like a team approach working with him. I recommend Joe without hesitation if you’re looking for a competent, flat fee advisor to partner with in your retirement planning journey.
Relationship to Financial Advisor: Client as of Dec 9, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Mike
Mike

Joe is fantastic!

✅ Wealthtender Certified Advisor Review™
Oct 25, 2024
In the short time my husband and I have been working with Joe, it has been wonderful. We are working with a very knowledgeable, professional and honestly and all around great human being. He has made us feel at ease and answers any questions we may have and we definitely feel the support we need for our financial plans. He is a gem!!
Relationship to Financial Advisor: Client as of Oct 25, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Ana Marshall
Ana Marshall

Holistic Financial Planning

✅ Wealthtender Certified Advisor Review™
Jul 26, 2024
We decided that we no longer wanted to try to manage the multifaceted complexities of investments, finances, taxes, social security, health care, long term care and Roth conversions. We interviewed at least 3 flat fee financial advisors and decided to partner with Joe and we feel that it was a really good decision. Joe has provided us with a complete financial plan that incorporates a holistic approach on all our financial matters. He has always been available whenever we needed advice or questions answered and responds in a very timely manner, usually the same day. We would definitely recommend Mayfair Financial to anyone seeking a comprehensive financial plan.
Relationship to Financial Advisor: Client as of Jul 26, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for M M
M M

We found our trusted partner, Joe!

✅ Wealthtender Certified Advisor Review™
Jul 15, 2024
Joe has been an absolute joy to work with! After meeting Joe on a video conference for the first time, we knew right away that he was the one to manage our finances. His soft tone voice and calming demeanor just puts your anxieties and fears at ease. Aside from these traits, he is very knowledgeable at what he does. He took his time to explain in detail what we can and can’t do based on our future goals. He took his time and listened to what our needs were and suggested the best way to go about it so that we can achieve our goals. He has an even keeled attitude which helps you when you are in panic mode and that’s something we can’t help but appreciate in the long run. Not only is he a knowledgeable financial advisor but he is also a great person for other resources besides finance! If you are looking for a financial advisor, look no further than Joe Petry! We highly recommend Joe to handle your finances. Thanks Joe!
Relationship to Financial Advisor: Client as of Jul 15, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Stephanie and Ky
Stephanie and Ky

Working with Joe was a great financial decision

✅ Wealthtender Certified Advisor Review™
Feb 16, 2024
Having worked with various financial advisors with the AUM model (ranging from robot-advisors to dedicated client managers), it's refreshing to work with Joe. We researched a number of professionals and could not be happier with our decision. In addition to being financially savvy, he's able to make information understandable by adapting to the audience. My husband & I have different levels of financial acumen (& interest). We both walk away from meetings with a clear understanding of where we stand and the next steps we should take. It's refreshing to work with someone not trying to "dazzle you" with unnecessary information in an attempt to make the process seem like magic. We appreciate the clear information he provides in a delightful manner that will appeal to both "left brain" and "right brain" people. This isn't a meat-grinder process where everyone gets the same result. Joe learns what the client wants, asks questions to see what the client needs, and is a partner throughout the process. Bottom line - we feel smart to have selected him, feel confident about our decisions, and look forward to a long-term partnership.
Relationship to Financial Advisor: Client as of Feb 16, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Gretchen Johnson
Gretchen Johnson

Outstanding Financial Planner with a Personal Touch

✅ Wealthtender Certified Advisor Review™
Feb 16, 2024
After many years of DIY financial planning, I decided to set a goal to retire early. I quickly realized that my spreadsheet approach could not handle the interconnected complexities of SS and tax optimizations, Roth conversions, health and long-term care costs, inflation, and other retirement challenges. This led to my frustrating multi-year search for a qualified and competent fee-only financial planner. After interviewing several local, national, and institutional financial planners, including signing on and terminating several of those relationships, I finally found Joe. From the outset, he has exhibited remarkable professionalism and a genuine desire to provide us with a holistic financial plan. He has taken the time to thoroughly understand our financial situation, unique stock programs, goals, and issues and is working towards creating a plan to address all our needs. As if that was not enough, I genuinely appreciate his ability to involve my wife in the planning process and utilize his exceptional communication skills, breaking down complex concepts into easily understandable terms for both of us. This makes the entire process more accessible, and we feel more confident that we are making informed decisions together. Thanks to Joe's thoughtful and inclusive approach, my wife and I are working towards a financial plan that aligns with our shared goals. He is ideal if you're looking for a financial planner who values teamwork, communication, and inclusivity. I wholeheartedly recommend his services to anyone seeking personalized and collaborative financial planning experience.
Relationship to Financial Advisor: Client as of Feb 16, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Bill Robinson
Bill Robinson

Joe Petry Retirement planning

✅ Wealthtender Certified Advisor Review™
Feb 5, 2024
It has been a pleasure working with Joe. He takes his time to explain information and makes u feel very comfortable asking questions. He is extremely knowledgeable and has great advice.
Relationship to Financial Advisor: Client as of Feb 5, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Paula
Paula

The financial puzzle pieces fit together better in Joe's Petry's hands!

✅ Wealthtender Certified Advisor Review™
Dec 18, 2023
We began our financial journey with Joe in the summer of 2023. He offers comprehensive services for a competitive fee. We rather nervously uploaded our documents to "the vault" where shared viewing/analysis begins. Joe then analyzes, compares, categorizes... the data and makes recommendations during Zoom meetings with regularity. The meetings use visuals and conversation to explain how the recommendations help to meet our goals;the conversation is give and take always-with humor added for good measure. Our meetings have been regular (as promised) and begin right on time. He always ends the encounters with the advice "Think it over, let me know if you have questions". I always have questions and Joe seems to patiently wade through the financial muck with me well. We then do some research to ensure his recommendations make sense to us-execute trades if so and call him back if not for more conversation. I am learning different ways of thinking about the financial universe; various techniques/paths to use to ensure our family's financial success. I wanted to work with a mentor for my own learning experience and Joe fits that bill for me 100 times over-knowledgeable (various financial vehicles, tax efficiency), listens well then clarifies goals, dependable, easy to talk to, and guides/challenges us to make decisions in a timely manner. His network of professional colleagues has been helpful in creating our vision of financial security.
Relationship to Financial Advisor: Client as of Dec 18, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Carole Buckner
Carole Buckner

Extremely Helpful

✅ Wealthtender Certified Advisor Review™
Dec 17, 2023
Joe is exactly what I need in a financial advisor. He charges a flat fee, so he focuses on listening to me. He's knowledgeable, patient, and explains the reasoning for each step. I fully endorse him!
Relationship to Financial Advisor: Client as of Dec 17, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Steve Buchholz
Steve Buchholz

Individualized/Comprehensive CFP

✅ Wealthtender Certified Advisor Review™
Dec 16, 2023
Retained Joe Petry of Mayfair Financial earlier this year. I needed a detailed, comprehensive and holistic evaluation of my finances which were getting too complicated lately. It was not easy finding a flat fee, CFP that met my needs and Joe fit the bill. He is was extremely thorough and focused on our current and future needs. He is a great guy, very helpful and explains items that are complicated for me. I look forward to ZOOM meetings with him as we implement the financial plan. Looking forward to a long term relationship with Mayfair.
Relationship to Financial Advisor: Client as of Dec 16, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Bradley Perry
Bradley Perry

Financial Planning Experience with Joe Petry Ph.D.

✅ Wealthtender Certified Advisor Review™
Nov 21, 2023
Joe has provided financial planning for our mutual clients and the experience to help them reach their personal and financial goals has proven to be invaluable. His deep quantitative background as Ph.D in Economics along with having his Masters in Financial Planning gives him the ability to advise clients at a high level. He does a great job explaining complex topics in every day language so all can understand. I highly recommend Joe to anyone who needs financial planning or financial advice in general.
Relationship to Financial Advisor: Wealth Management Colleague
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for John Betterman
John Betterman

Extremely knowledgeable and helpful

✅ Wealthtender Certified Advisor Review™
Nov 20, 2023
Joe Petry has exceeded our expectations. He not only has a firm grasp on stocks/mutual funds but also understands the tax ramifications of owning the various funds. He prepares a well thought out, detailed and understandable report and explains his reasoning in a way that is understandable, despite the complex nature of the topics. All our questions are answered. My husband and I are so happy that we hired him as an advisor.
Relationship to Financial Advisor: Client as of Nov 20, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Joyce Lipton
Joyce Lipton
Looking for a Catholic Financial Advisor?
Looking for a Flat Fee Financial Advisor?
Get to Know Certified Financial Planners & Find a CFP
Should You Hire an XY Planning Network (XYPN) Financial Advisor?
Looking for a Financial Advisor Specializing in Serving Baby Boomers?
Looking for a Financial Advisor in St. Louis, Missouri?
Looking for a Financial Advisor in Kirkwood, Missouri?
What is a Chartered Retirement Planning Counselor (CRPC)?
Find Your Purpose in Life After Retirement and the Financial Advisors for Retirees who Can Help
Please see important disclosures below awards View Disclosures

Wealthtender Awards

Joe Petry, PhD, CFP®, CRPC® received the 2025 Wealthtender Voice of the Client Highly Rated Advisor award.
Joe Petry, PhD, CFP®, CRPC® received the 2025 Wealthtender Voice of the Client Highly Rated Advisor award.

Award Disclosures

Wealthtender awarded Joe Petry, PhD, CFP®, CRPC® with its 2025 Voice of the Client Highly Rated Advisor Award on 07/01/25. Rating criteria based on eligible client reviews published on Wealthtender between 1/1/24 and 07/01/25. Although Mayfair Financial compensates Wealthtender for marketing services (including eligibility to be considered for this award), Wealthtender’s award criteria is objective and not influenced by compensation. This award is not a guarantee of future performance or success and client reviews may not be representative of the experience of all past or future clients. ↗️ View additional award details and FAQs (wt.reviews/awards)