E325: Maddy Roche - Legacy without the script
What happens to your wealth, decisions, and legacy if you don’t have children? In this episode of Back2Basics, Leticia Latino speaks with Maddy Roche, entrepreneur and co-founder of Child Free Trust, the first U.S. company providing fiduciary services specifically for child-free individuals. With 25% of Americans choosing not to have children, Maddy explains why traditional financial and estate planning systems often fail them. They discuss the myths around being child-free, the surprising financial reality of having too much money at the end of life, and why entrepreneurs should focus on sustainability over endless growth. A powerful conversation about redefining family, building a life on your own terms, and using money as a tool for freedom.
Learn more about Maddy at:
https://www.linkedin.com/in/maddy-roche-25962032/
https://childfreetrust.com/
Show Notes
🧒 [02:23] Young Maddy: The worried child obsessed with money
💡 [03:18] From first employee at XYPN to coaching thousands of advisors
👥 [05:49] Dismantling myths: Why people actually don't have kids
🏠 [09:34] Chosen families, fur babies, and friend families
😮💨 [13:24] Burnout & the addiction to growth: Sustainability vs. Scalability
💰 [16:54] Living externally vs. internally
📉 [18:38] The child-free financial reality
💸 [21:00] What money can *actually* buy: Time, comfort, and freedom
👵 [26:53] 90-year-olds who never retired and the secret to longevity
⚖️ [28:52] Acknowledging privilege while still encouraging dreams
🏦 [32:19] Introducing Child Free Trust: Solving the end-of-life advocate crisis
🧘 [35:25] What makes Maddy tick: Vipassana, meditation, and the power of silence
🌱 [40:01] Final wisdom: Seasons of life and finding beauty in the suffering
Please leave a review or send us a Voice note letting us know what you enjoyed at:
Back2Basics reconnecting to the essence of YOU (podpage.com)
Follow us on IG and FB @Back2BasicsPodcast
Chief Growth Officer
Maddy Roche is the Chief Growth Officer of Childfree Trust, where she oversees all marketing, growth strategy, and prospect engagement. She brings more than a decade of experience helping financial advisors build, grow, and sustain successful advisory practices.
Before joining Childfree Trust, Maddy was XYPN’s first employee and went on to hold several senior leadership roles, including Vice President of Getting Sh!t Done, Executive Business Coach, and Senior Director of Member Success. She also hosted XYPN’s podcast, Behind the Advisor. In these roles, she helped design and lead the teams and systems that deepened member value and supported thousands of advisors through every stage of their entrepreneurial journeys.
As an executive business coach, Maddy specialized in mindset and burnout, consistently giving her clients permission to pursue their version of success, not someone else’s. She is deeply committed to the belief that everyone deserves a relationship with a great financial advisor, and she brings that conviction, along with energy, expertise, and compassion, to her work at Childfree Trust.
