Big tech companies are everywhere in our lives, but is wealth management their next frontier? Probably not, but a sizable number of people surveyed by Accenture answered in the affirmative when asked if they would consider using Google, Apple or Facebook if these companies had a wealth and money management offering.

The question was part of a wealth management consumer report entitled, “The New State of Advice,” from Accenture, a global professional services company. One of the study’s big takeaways is that the next generation of investors have different needs and wants than their parents, and that financial advisors who fail to provide the holistic advice and products they want, along with the digital and personal engagement model they desire, will be losers in the intergenerational wealth transfer.

Regarding the question that asked if people would turn to Google, Apple or Facebook for wealth and money management services if the companies offered them, 69% of respondents said they would. Not surprisingly, that number was much higher among the Generation Z and millennial cohorts at 95% and 83%, respectively.

According to Accenture, the reason for these high numbers relates to what these companies provide consumers in terms of easy access to information, technology tools, integration of personal and financial data, and a track record of innovation.

“These investors have expectations that have been set by the simplicity and seamless experience they’re getting from big tech,” Rachel Silver, managing director of capital markets and wealth management at Accenture, said in an interview.

“And they expect that same experience when it comes to managing their money and getting advice,” she added. “However, big tech companies can’t offer all of the products that we know that investors want. Investors want advice across a broad spectrum of products, including banking and lending products, insurance and tax advice.”

The Accenture report said an emerging class of newly engaged investors have zeroed in on the likes of cryptocurrencies and environmental, social and governance (ESG) investing. And they—and other investors—don’t want general advice seemingly ripped from the pages of a Wealth Management 101 textbook.

For example, nearly 90% of mid-high-net-worth investors with $10 million or more in personal wealth said the advice their advisor provided was too generic.

“There’s an increased appetite for advice underpinned by tailored educational content and products that is highly customized to clients’ point-in-time needs and investment preferences,” the report said.

So while clients of financial advisors seek perspective on risk management and asset protection, they also want products offering protection against future events or that can meet a specific and targeted need outside of asset growth, such as banking and insurance products. The report found that 79% of investors, including 85% of Generation X and 91% of millennial investors, expect their advisor to offer banking and insurance products.

“These shifts point to unique segments of underserved investors seeking personalized advice across a broad set of financial needs, which creates an opportunity for wealth managers to expand their advice offerings beyond managing investments,” Accenture said in its report.

Accenture posits that advisors who don’t change with the times potentially run the risk of seeing the children of their existing older clients take their inheritance money elsewhere after the parents pass away.

One of the report’s findings is that 58% of respondents expect to inherit a significant amount of money from their parents or an estate, and 26% of them said they plan to select a new advisor other than their parents’ advisor to oversee all of their assets upon inheritance. Of those, 51% who had more $10 million in assets indicated they would seek a new advisor to oversee all of their assets.

And 17% of survey respondents said they changed advisors during the past year. Roughly half of those who switched said they went to an advisor they felt offered better technology and better investment products.

That should be a wake-up call to advisors, according to the report. Accenture suggests that advisors can maintain as clients the children of their existing older clients during the intergenerational wealth transfer—and attract new clients beyond that—by providing holistic advice that addresses needs beyond just investments. Furthermore, that advice should be delivered within the right context of a person’s financial, emotional and social goals, and it should be part of a “robust digital and personal engagement model.”

The Accenture study interviewed 1,000 wealth management consumers across race, gender, wealth, education, location, profession and age in the U.S. and Canada. These people work with a financial advisor ranging from an asset manager, bank, RIA or a robo-advisor. The study’s aim was to understand what investors expect from their wealth managers regarding financial advice, products and planning.