Adult children want the inheritance now. They may have to wait.

America’s adult children say they are ready to manage that inheritance now.

Their parents might disagree.

A report from Fidelity Investments sheds new light on an estate-planning generation gap. Aging parents may not think their adult children are ready to hear about the assets they will eventually inherit, let alone to take charge of that wealth.

The retirement industry is abuzz with talk of a Great Wealth Transfer, with an estimated $84 trillion passing from older Americans to their heirs by 2045.

But wealthy elders aren’t in a big hurry to discuss those plans with the kids. Some don’t think their children and grandchildren are ready for the conversation. Others find the topic unpalatable.