09/03/2026
Roughly 25% of U.S. adults are childfree, and almost none of the standard financial planning playbook was written for it.
In this episode of Absolute Trust Talk, Kirsten Howe sits down with Scott Barnes, CFP®, CLTC, Director of Financial Planning at Childfree Wealth®, a firm built for people who aren't raising children. Their conversation surfaces something most families never say out loud: for a lot of parents, the long-term care plan is simply the assumption that a child will step in.
Kirsten and Scott talk through what changes when there's no built-in caregiver — why disability and long-term care coverage move to the top of the list, and why waiting for a crisis is the most expensive choice available.