Missouri Retirement Planning

Sinclair Financial Solutions

Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.

Sinclair Financial Solutions is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.

SPEAK WITH Sinclair Financial Solutions TODAY

Retire with confidence

Our Planning Process

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

01 Start Smart

02 Apply Discipline

03 Communicate Progress

01 Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

LEARN MORE

Longevity

Outliving financial assets as the result of a longer life.

Inflation

Reduction in real purchasing power as the result of increasing cost of living.

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death.

Liquidity

Limited access to assets to meet life’s unexpected financial needs.

Market

Unexpected reduction in the value of financial assets at the time of withdrawal.

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

02 Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

Our Services, Your Future

We take the time to thoroughly explore your needs no matter the stage of life you are in to help provide a custom tailored solution that we continue to monitor and adjust until the end of time.

LEARN MORE

Wealth Management/Investment Planning

Maximize the growth potential of your investable assets in accordance with your risk tolerance and financial goals.

Retirement Savings Optimization

Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

Long-Term Care Planning

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Tax Planning

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

Tax-Free Retirement Income Planning

Support your retirement income plan with accumulation and tax-free distribution strategies in retirement.

Social Security Optimization

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Medicare Planning

Develop solutions for healthcare expenses not covered by Medicare, a federal health insurance program.

Lifestyle Planning

We work with you, focusing on the ideal lifestyle you want to live today as opposed to deferring that lifestyle to a future that may never come. Having you really think about what you’re saving for is a big opportunity to have a richer dialogue about your retirement and how we can help you develop a personalized plan to reach your ideal retirement lifestyle.

Creating a life map involves a close analysis of personal finances and an assessment of other building blocks. Lifestyle matters look at how to balance work and leisure, how to make smart choices for the future and many other items regarding how to help you enjoy the journey.

Life can change – the birth of a child, the death of a loved one, the loss of a job, a major purchase – which will readjust your financial strategy. We can help you chart a new course if need be to ensure you meet your financial, lifestyle and retirement goals. We will help you implement any new plan of action that has been developed in light of your changing goals or changing performance.

End of Life Planning

Sinclair Financial Solutions specializes in Eldercare/End-of-life planning which focuses on what happens if you or a loved one gets sick or injured in their retirement years!! This is not about the traditional Long-Term Care insurance that your grandparent or parent had.

Income Planning

Design an income plan that delivers dependable income and financial security throughout your retirement.

Legacy and Estate Planning

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate planning strategies.

College Funding

Make the investment in your child or grandchild’s future with the gift of a college education through life insurance.

Disability Insurance

Explore options to protect your income in the event of a an illness or injury that prevents your ability to work.

Inflation Protection

Develop strategies to protect assets against the effects of inflation.

Liquidity Needs Planning

Ensure access to assets to meet life’s unexpected needs.

Mortgage Protection

Safeguard your loved ones and your home with mortgage protection so they can afford keep your family’s home.

Certified Dementia Planner

This certification is another way to be aptly qualified to help families and individuals who are “Dementia Disturbed.” This certification is through the National Association of Certified Dementia Practitioners (NCCDP LLC) which is the Global Leader in Dementia Education and Certification for Healthcare Professionals.

Veterans Benefits

Did you know that there is an additional Veteran’s Benefit available called the Veteran’s Aid and Attendance Benefit? This benefit is to help with long-term care costs such as at home health care, assisted living or nursing home.

SCHEDULE A COMPLIMENTARY STRATEGY SESSION WITH Sinclair Financial Solutions

03 Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.

Request Your

Annual Review

Have a Question?

Contact Us

Here For You

Meet The Advisor

Erin Sinclair

Founder

Erin Sinclair is a Financial Advisor focusing on Advanced Care Planning. Erin joined the Financial Services industry in 2008 and moved home to St. Louis in 2017 to start Sinclair Financial Solutions. Erin approaches financial planning differently than most, with the emphasis on Financial Fitness, no matter your age or stage in life. This is facilitated through the Financial Fitness Game plan, which encompasses multiple areas of one’s life, including life insurance, retirement planning, and elder care planning. This way, it can all be viewed as part of a Financial Plan as a whole, rather than being separate. This also incorporates strategic partnerships with lawyers, accountants, and property/casualty agents to round out a person’s plan as efficiently and beneficially as possible.

Most people have varying backgrounds when it comes to Financial Literacy, and Erin wants to help as many people as possible.

In her free time, Erin loves ANYTHING having to do with rugby, having played on and off for 17 years. She was even a rugby referee for three years, but hung up her boots to focus on Sinclair Financial Solutions. In the past, Erin has held positions on the Young Professionals Advisory Board, a committee of the USA Rugby Trust, as well as the Chicago Rugby Business Network.

She is currently on the board for the non-profit, FIND YOUR ANCHOR, which focuses on suicide awareness.

RR

Retirement Resources

Complimentary Educational Resources

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

Our Upcoming Events

Events in October–December 2025

There are no events scheduled during these dates.

Our Downloads

Tax Free Retirement

Tax-Free Retirement will: show you how to avoid 9 common financial landmines; teach you how to generate tax free retirement income; explain how to multiply your IRA two or three-fold for future generations; help you leave a lasting legacy beyond your wildest imagination.

GET THE BOOK

Our Blog

The 5 Pillars of Financial Literacy

The 5 Pillars of Financial Literacy

Annuities Made Simple: A Beginner’s Roadmap to Financial Independence

Annuities Made Simple: A Beginner’s Roadmap to Financial Independence

Financial Literacy Month: Tax Strategies to Maximize Your Savings

Financial Literacy Month: Tax Strategies to Maximize Your Savings

Financial Calculators

CalcXML Financial Calculators

PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.