These financial advisors are completely out to lunch. They think Generation X will have inherited money to play with so the marketing is now moving to them. In reality, Boomers' money has gone to a third party - healthcare providers and assisted living vendors. Getting old is expensive and there is an entire industry quietly gobbling up retirement accounts and estates in payment for services. There won't be anything left to advise on by the time the Boomers actually do pass; it will have instead shifted into corporate hands and CEOs.