One of the most uncomfortable questions in financial planning is also one of the most important: if you can’t speak for yourself, who will?
We’re joined by Maddy Roche, Chief Growth Officer at Childfree Trust and a long-time leader in the fee-only advisor community, to explore the planning gaps that often arise for clients who are child-free or permanently childless. This isn’t a niche situation—about one in four Americans doesn’t have kids, and that number is even higher among younger generations.
We discuss how a child-free lens can reshape a financial plan, from Monte Carlo projections and decumulation strategies to estate planning priorities and insurance needs. Maddy explains why life insurance may be less relevant for many in this group, while disability insurance, long-term care planning, and a clear medical power of attorney become even more important.
We also touch on the emotional side—the peace of mind that comes from having a professional, unbiased third party in place, rather than leaving difficult decisions to friends or distant relatives.
Maddy outlines what Childfree Trust offers nationwide, including serving as financial POA, medical POA, executor, or trustee, along with building detailed care plans covering everything from key contacts to pet care to end-of-life preferences.
For advisors, this conversation highlights the risks of overlooking these roles and documents—and how making the right referral can add meaningful value across your client base.
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Maddy's Social and Childfree Trust Website
https://www.linkedin.com/in/maddy-roche-25962032/
https://childfreetrust.com/
