Top financial advisors working with childfree clients
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
Choosing a financial advisor when you identify as childfree means planning for a future without the financial considerations of dependents. The key mistake is assuming traditional family-focused advice fits your unique goals and lifestyle.
- Retirement focus. Look for advisors who prioritize your retirement savings and income planning without defaulting to college funds or child-related expenses.
- Estate planning clarity. Confirm how they approach wills and trusts when you don’t have children, ensuring your assets go where you intend.
- Lifestyle alignment. Ask how they tailor spending and saving strategies to your personal goals, not family-centric milestones.
- Long-term care planning. Without children to rely on, see how they help you prepare for healthcare and support needs later in life.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Laura S
CFP®
Edina, MN
Torchlight Financial
Laura Seymour specializes in retirement planning for childfree individuals, focusing on clear, personalized strategies that address retirement timing, income sustainability, and estate planning without family-centric assumptions. Based in Edina, MN, she offers flat-fee wealth management and consulting services, bringing over 17 years of experience and a commitment to authentic client relationships, which distinguishes her from advisors with broader or less tailored approaches.
Experience: 11 years
Avg account: $910,339
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Johanna M
Series 63, Series 66
El Segundo, CA
Merrill
Johanna Mc Gee specializes in retirement income strategy and general retirement planning, making her well-suited to address the unique financial needs of individuals without children, focusing on retirement savings and long-term care planning. As a Senior Financial Advisor at Merrill, a large firm, she brings over 13 years of experience and serves executive and founder/business owner clients, offering a 1.10% AUM fee structure and expertise in ESG investing and charitable giving, which may appeal to socially conscious clients.
Experience: 13 years
Avg account: $860,085
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Liz Y
CFP®
Edgewater, MD
Dependent Financial Planning
Liz Yoder specializes in financial planning for childfree individuals, focusing on retirement savings and Social Security optimization without defaulting to family-centric advice. As a CFP®-certified independent advisor with six years of experience, she offers flat-fee and negotiable pricing, serving clients nationwide from her Edgewater, MD location, and brings unique expertise in planning for individuals with special needs.
Experience: 6 years
Avg account: $548,641
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Laura L
CFP®, AAMS®
Abiquiu, NM
The Tiny House Adviser
Laura Lynch specializes in financial planning for childfree individuals, focusing on cash flow and budgeting tailored to solo women and Gen X clients. Her flat-fee structure and independent practice in Abiquiu, NM, differentiate her by offering personalized, values-aligned planning, including retirement and downsizing strategies within the tiny home movement, which may appeal to those seeking lifestyle-specific financial guidance beyond traditional family-focused advice.
Experience: 8 years
Avg account: $563,214
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Regina N
CFP®
Fort Collins, CO
Fpfoco
Regina Neenan specializes in income planning and cash flow management, which are crucial for childfree individuals focusing on retirement and long-term care without dependents. As a CFP®-certified advisor with six years of experience, they offer flat-fee financial planning and ongoing support, serving primarily millennial clients from Fort Collins, CO, and bring a personal understanding of childfree lifestyles, distinguishing them from other advisors in this space.
Experience: 6 years
Avg account: $1,274,790
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