NEW YORK ( MainStreet) — At one time, Baby Boomers were expected to receive a generational wealth transfer of some $41 trillion but now it's all about the $30 million the Facebook or Playdate generation is expected to receive in 20 to 30 years, according to Accenture.

"What's interesting is that Boomers aren't finished inheriting money from their parents yet," said Dan McElwee, certified financial planner and executive vice president with Ventura Wealth Management. "The transfer of wealth to baby boomers is going to last for the next 30 to 40 years, and that transfer will need to take place before you see the wealth transfer to Gen Y."

The Accenture survey found that 43% of Millennials are conservative with their money compared to 27% of Gen X-ers and 31% for Boomers.

"The first wave of Boomers is just hitting 70," McElwee said. "Gen Y will most likely have to split their inheritance with their Gen X siblings however it will largely depend on the way parents structure the inheritance."

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By the time a generational transfer of wealth does occur, Gen Y will have more online tools available to help them invest wisely.

"You'll see technological advancements around online engagement that will include more sophisticated graphics, interactive engagement, video relative to text or audio," said Advisor Ahead CEO Craig Pfeiffer. "Online investing will become a more vibrant experience that can be delivered remotely as opposed to originally going to the advisor's office and visiting in person."

The era that created Millenials was a unique one. Today's 80 million 18- to 29-year-olds came of age during the 2008 financial collapse and the emergence of Facebook; they have never known life without advanced technologies such as cell phones or email. As a result, Generation Y perceives money differently than Generation X, those who are 30 to 49 years old.

"Gen Y grew up in an era of forced sharing," said Kim Dellarocca, head of practice management and director of segment marketing at Pershing. "We can see that from facilitated play dates to education and the emphasis of teamwork in schools. This generation are technology natives. Many don't remember a time without quick technology and with the emergence of social media this generation is comfortable with sharing on Facebook, Twitter, Pinterest and Instragram."

Accenture found that 40% of Millennials are determined to pass along wealth to their families compared to only 25% of Baby Boomers and Gen-Xers.

Although Gen-Xers may not have the same sharing mentality as Millennials, collectively Gen-Xers and the Facebook generation are increasingly looking for alternative and complimentary sources of information to help them address their financial objectives.

"With half of all Baby Boom investors currently active in social media and a vast majority active online, the innovations that will capture the Millennial generation also will help capture the most coveted demographics among Gen X-ers and Baby Boomers," said Alex Pigliucci, global managing director of Accenture Wealth and Asset Management Services.