Today on Perspectives, we’re exploring a quiet but profound shift happening in American life. Nearly one in four U.S. adults — more than 50 million people — do not have children. Yet our financial systems, estate laws, and even our expectations around aging still assume that adult children will eventually step in to help make decisions or provide care. So what happens when that assumption doesn’t exist? My guest today, Dr. Jay Zigmont, says millions of Americans are facing what he calls a “fiduciary void” — a growing gap between how people actually live and how financial and legal systems are designed. Dr. Zigmont is a Certified Financial Planner, TEDx speaker, and founder of Childfree Wealth® and Childfree Trust®, where he studies how childfree adults are redefining legacy, caregiving, and long-term planning.