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Off the rack golf clubs work for most people between 5'8" and 6' for the men and 5'4" and 5'6' for the ladies. This is taking into account that you are of an average build and strength. If you are taller or shorter than the ranges above or if you have certain body characteristics that affect the way you set up to the ball, you are a candidate for golf club fitting. If you are tall, you may need longer clubs with an upright lie. Shorter people usually need shorter clubs with a flat lie. If you are overweight or have a large chest, you may not be able to extend your arms as would a leaner person, or if you have medical restrictions because of back or shoulder problems, this could affect your set up and cause a need for club fitting. Strength or lack of also is addressed when fitted for clubs. Having the right flex of shaft for your swing speed is critical in getting the most out of your clubs.
I also recommend golf club fitting for those ready to take the next step to improve their golf game. Properly fitted golf clubs could immediately take several strokes off of you score because of accuracy issues. Everyone should be golf club fitted at some point even if you think you might fall within the averages if not to find out your swing speed alone.