CHILDFREE WEALTH

Jay Zigmont serves as Founder and CEO, overseeing both the financial planning and investment management functions. The firm operates as a flat-fee RIA, with Zigmont personally involved in client-facing planning engagements as well as the firm's public content direction. Investment management typically follows a low-cost ETF and index-based portfolio model rather than individual security selection.

Childfree Wealth is a fee-only registered investment advisory firm, not a family office. It serves multiple unrelated clients, all unified by childfree status, through a virtual RIA structure. There is no family-office architecture, no multi-generational wealth engine, and no investment partnership model — it is a specialist advisory practice built around a defined niche.

The firm operates on a flat-fee, fiduciary basis, charging a fixed retainer for comprehensive financial planning and investment management combined. Childfree Wealth does manage client investment portfolios directly, with an emphasis on low-cost index and ETF strategies, but the flat-fee structure means compensation is not tied to asset-gathering incentives.

The standard retirement glidepath, Social Security break-even math, long-term care assumptions, and estate-distribution defaults all change when no children are involved. Childfree adults cannot rely on a daughter managing their affairs at 85; they need legally distinct incapacity plans. Withdrawal-rate research typically assumes parents will spend down principal — childfree retirees often aim to exhaust assets intentionally, a posture standard safe-withdrawal models struggle to accommodate.

The firm serves clients across the United States through a virtual-first delivery model, with no known international licensing. Zigmont is based in Mississippi, and the practice is registered as a domestic US RIA with no disclosed offices outside the country.