Financial advisors may have to step up their game when it comes to helping their clients ensure their wealth passes on to the next generation. A recent survey found that 64% of Americans working with advisors have yet to discuss their estate goals and legacy plans.

And while just 34% of millennials and Gen Xers have discussed their goals — whose estate and legacy needs may be far in the future — that figure only rises to 38% for baby boomers, whose need for such services is likely to arise much sooner, according to a survey from Edward Jones.

Advisors will find a receptive audience when discussing estate and legacy planning, however. Some 77% of Americans believe such planning is important for everyone and not just the wealthy, according to the survey, which polled 2,007 adults 18 years of age and older.

And those Americans who have estate and legacy plans stay on top of them. Almost all -- 98% -- of them have updated their plan since its creation, and 61% involved family members in doing so. The figure rose to 74% for Americans with children in their households, Edward Jones says.

However, advisors setting up a long-term legacy or estate plan may have to start very small. Currently, just 24% of Americans have designated beneficiaries on all of their accounts, according to the survey.