More financial advisers are working on building relationships with clients' children because they are aware of the enormous wealth that will arrive through inheritance in the next few decades. During the next 30 years, $30 trillion will pass to Generation Y, people born after 1980, according to Accenture. "Any adviser who is looking at the future will want to think about how to engage them," said Eleanor Blayney, consumer advocate for the Certified Financial Planner Board of Standards.

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