Childfree Wealth

What Childfree Wealth does

Childfree Wealth is a fee-only, flat-fee, fiduciary Registered Investment Advisor founded in 2021 by Dr. Jay Zigmont, exclusively serving childfree and permanently childless adults in the United States. Headquartered in Mt. Juliet, Tennessee, the firm operates under parent organization Childfree Insights and addresses what it terms the "Fiduciary Void" — the gap left by traditional financial planners who assume clients have biological next of kin. Its core product suite includes the Childfree Wealth Checkup ($250 entry diagnostic), Childfree Wealth 180 ($5,000/year quarterly service tier), Childfree Wealth 360 ($10,000/year monthly white-glove tier), an Estate Planning Package ($1,500), and sister company Childfree Trust ($999/year for professional fiduciary POA, executor, and trustee representation with 24/7 emergency response). The technology stack is assembled from best-of-breed third-party platforms — RightCapital for financial planning, Holistiplan for tax, Altruist for investment management, and Calendly for booking — augmented by the patented Childfree Trust estate document tool and the Childfree Academy self-serve video library.

The business model is direct-to-consumer with a content-led funnel: prospects enter via the $250 Checkup, convert to recurring 180 or 360 subscriptions, and cross-sell into estate planning and Trust membership. B2B referral partnerships with traditional financial planners and aging-services networks are an emerging distribution channel. All specialists hold CERTIFIED FINANCIAL PLANNER credentials with additional specialized training (CLTC, LCSW, PhD in Adult Learning), and the team includes Dr. Jay Zigmont (Founder/CEO), Scott Barnes (CFP), Bri Conn (CFP), and Fiona Waller (LCSW, CFP). The firm has no external funding, is founder-owned, and generates revenue entirely through flat fees with no AUM-based commissions — a structural choice that eliminates conflicts of interest for clients without inheritance goals. National service delivery is conducted via video consultation, enabling reach beyond the original Southeast U.S. footprint.

The company targets approximately 25% of the U.S. adult population (the childfree/permanently childless demographic per a Michigan State University study) and claims a $67 billion annual TAM in fiduciary and estate services tailored to this segment. Media traction in WSJ, CNBC, MarketWatch, Forbes, and Fortune supports category leadership positioning, while the Childfree Insights ecosystem (podcast, newsletter, Academy, published book) functions as top-of-funnel demand generation. Pricing is structured to escalate client commitment and wallet share: the $10,000/year 360 tier includes advanced estate planning, Trust membership, CPA tax coordination, investment management, and expat planning, creating a full-partnership service model rather than transactional advisory.

Name

Childfree Wealth

Legal name

Childfree Wealth, LLC

Website

https://childfreewealth.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Childfree Wealth is a fee-only fiduciary RIA providing financial, estate, and retirement planning exclusively to childfree and permanently childless U.S. adults. Founded in 2021, it offers tiered subscriptions ($5K-$10K/year), estate planning packages, and a sister Childfree Trust for fiduciary POA and executor services.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Trust, Fiduciary, and Custody Activities (523991)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

akta.pro secondary industries

Trust, Fiduciary & Estate Planning Services (FSABADAG), Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE)

Keywords

• Financial planning services
• Estate planning services
• Fiduciary advisory
• Retirement planning
• Wealth management

Headquarters

HQ city

Nashville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Childfree Wealth Checkup: One-time $250 fee for initial diagnostic session including financial report, video review, and 3-month access to Childfree Wealth Academy and RightCapital software.
2. Childfree Wealth 180: Annual subscription at $5,000/year for quarterly meetings with structured service calendar including cash flow/budgeting, investment guidance, basic tax planning, insurance review, directional retirement planning, Childfree Academy, RightCapital, and Holistiplan access.
3. Childfree Wealth 360: Premium annual subscription at $10,000/year for anytime support and monthly customized calls. Includes all 180 services plus advanced estate planning with Childfree Trust, advanced tax planning/CPA coordination, investment management with Altruist, money mindset coaching, advanced long-term care strategies, advanced retirement simulations, and expat planning.
4. Estate Planning Package: Three-session estate planning package at $1,500 (or discounted rates for existing clients: $1,250 for Checkup clients, $750 for 180 clients, free for 360 clients) that includes Childfree Wealth Checkup, deep estate dive, and setup of Childfree Trust membership.
5. Childfree Trust Membership: $999/year per person membership providing medical and financial POA, executor, and trustee representation with 24/7 emergency support. Required separate from estate planning package.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Childfree Wealth provides fee-only, flat-fee financial planning and estate planning services tailored specifically to childfree and permanently childless adults. All services are delivered by CERTIFIED FINANCIAL PLANNERS through a childfree-lens diagnostic (Childfree Wealth Checkup, $250) and ongoing tiered service subscriptions (180 at $5,000/year and 360 at $10,000/year), with a separate Childfree Trust membership providing professional fiduciary POA, executor, and trustee representation.

Product overview

Childfree Wealth operates as a unified platform of financial planning services built around the specific needs of childfree and permanently childless adults. The core offering consists of the Childfree Wealth Checkup (a $250 diagnostic session serving as the entry point for all client relationships), supported by two ongoing service tiers: Childfree Wealth 180 ($5,000/year for quarterly check-ins) and Childfree Wealth 360 ($10,000/year for monthly, full-partnership planning). The Estate Planning Package ($1,500) extends into legal document completion and serves as the kickoff for Childfree Trust membership. Childfree Trust ($999/year per person) is a sister sub-brand providing professional fiduciary POA, executor, and trustee representation with 24/7 emergency support. Additional resources include Childfree Academy (self-serve video library), the Childfree Life by Design Podcast, and Speaking Services — all under the parent organization Childfree Insights.

Differentiator

Problem solved

Functional benefit

Brands

• Childfree Trust: Sister company providing professional fiduciary medical and financial POA, executor, and trustee support for childfree adults at $999/year per person with 24/7 emergency response.
• Childfree Insights
• Childfree Wealth 180
• Childfree Wealth 360

Products and services

• Childfree Wealth Checkup A 60-minute deep-dive diagnostic session with a Childfree Wealth Specialist (CFP) that reviews the client's full financial picture through a childfree lens and delivers a detailed holistic financial report, a one-hour video review, fresh perspective, and prioritized recommendations. Priced at $250 per session.
• Childfree Wealth 180 Quarterly financial check-in service with light life-planning support for independent DIYers who want a second set of eyes. Includes cash flow and budgeting, investment guidance, basic tax planning, insurance policy review, directional retirement planning, Childfree Academy access, and RightCapital planning software. Priced at $5,000/year.
• Childfree Wealth 360 Full-partnership white-glove service with anytime support and monthly customized calls. Includes all 180 services plus advanced estate planning with Childfree Trust, advanced tax planning and CPA coordination, investment management with Altruist, money mindset coaching, advanced long-term care strategies, advanced retirement simulations, and expat planning. Priced at $10,000/year with a six-month minimum commitment.
• Estate Planning Package Three-session estate planning package led by a CFP that includes the Childfree Wealth Checkup, a deep-dive estate planning session, and a session to finalize legal documents and activate Childfree Trust membership. Priced at $1,500 for new clients, $1,250 for prior Checkup clients, and $750 for Childfree Wealth 180 clients.
• Childfree Trust Membership Annual membership providing professional, fiduciary medical and financial power of attorney (POA), executor, and trustee representation for childfree and permanently childless adults, with 24/7 emergency response support. Priced at $999/year per person; included within Childfree Wealth 360 annual fees.

Quantifiable outcome

• Childfree Wealth Checkup provides detailed holistic financial report with prioritized recommendations within 60-minute session
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and flagship.

• Financial Planners NetworkcoreChannel Partner/ Reseller/ Distributor · 1 January 2025Partnerships with financial planners and advisors to extend reach to childfree clients seeking specialized planning services. Planners can refer clients or co-serve childfree individuals requiring specialized expertise.
• Aging-Services NetworkscoreChannel Partner/ Reseller/ Distributor · 1 January 2025Partnerships with aging-services networks to serve childfree adults needing professional fiduciary and care coordination services as they age without family support.
• Childfree TrustflagshipStrategic or Co-development PartnerSister company launched in 2025 providing comprehensive estate solution with 24/7 emergency response and professional fiduciary POA, executor, and trustee representation. Childfree Wealth estate planning package includes Childfree Trust membership kickoff. The only nationwide solution for professional fiduciary services for childfree adults.
• Childfree InsightsflagshipStrategic or Co-development PartnerParent company/umbrella organization for Childfree Wealth and Childfree Trust, providing the broader childfree ecosystem including educational resources, podcast, and academy.
• RightCapitalcoreTechnology or IntegrationFinancial planning software platform used for client financial planning and included in Checkup and ongoing service packages.
• HolistiplancoreTechnology or IntegrationTax solutions platform used for advanced tax planning services included in 180 and 360 service tiers.
• AltruistcoreTechnology or IntegrationInvestment management platform used for investment management services included in Childfree Wealth 360 tier.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Harness Wealth: Digital wealth advisory platform that matches clients with fiduciary CFPs for ongoing financial planning, tax, and estate services. Comparable subscription-driven, CFP-led model and consumer-facing acquisition motion.
• Facet Wealth: Digital-first, fee-only financial planning firm offering subscription-based advice to individuals. Closest direct peer in business model (flat-fee subscription, CFP-led, no AUM model) and target customer (mass-affluent individuals seeking planning-only advice).
• FreeWill: Online estate planning tool that enables consumers to create wills and estate documents for free or low cost. Comparable technology-enabled estate planning approach targeting consumers seeking modern alternatives to attorney-led estate plans.
• Trust & Will: Online estate planning platform offering wills, trusts, and related documents directly to consumers. Directly comparable to the Childfree Trust offering in providing accessible, tech-enabled estate planning for individuals without traditional family structures.
• Zoe Financial: Online marketplace and platform for vetted, fee-only fiduciary financial advisors. Comparable fee-only, fiduciary positioning and consumer-acquisition focus targeting clients seeking independent, conflict-free advice.
• XY Planning Network: Network and support organization for fee-only financial planners serving Gen X and Gen Y clients on a flat-fee subscription basis. Highly comparable fee-only RIA model, and Dr. Jay speaks at XYPN conferences, indicating direct industry overlap.

Emerging players

• Ellevest: Digital financial planning and investment platform built specifically for women. Comparable 'demographic-focused' specialization strategy and subscription-based financial planning offering for an underserved customer segment.
• Boldin (formerly NewRetirement): Retirement planning software platform that enables individuals and advisors to model comprehensive retirement scenarios. Overlaps with the retirement and long-term care planning components of Childfree Wealth's offering.

Others

• Holistiplan: Tax planning software used by financial planners to surface tax-saving opportunities. Directly comparable as a Childfree Wealth technology partner integrated into the 180 and 360 service tiers; serves the same fee-only advisor market.
• RightCapital: Financial planning software platform for advisors and their clients. Directly comparable as a Childfree Wealth technology partner providing the planning software stack included with Checkup, 180, and 360 tiers; serves the same fee-only RIA customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC5cl-dxgWlLk6HwDKwfs0jA
• Facebookfacebook.com/ChildfreeInsights
• LinkedInlinkedin.com/company/77636141
• Instagraminstagram.com/ChildfreeInsights

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Childfree Wealth