#152 - The Child-Free Planning Gap with Maddy Roche

Only Fee-Only · Mar 19, 2026 · 28m · transcript

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…