Why is HOOD still 1/3rd of SCHW?

Wealth management remains the last bastion of success for Charles Schwab. Long-term cash, mutual fund, and retirement accounts create an enormous balance sheet, which accures value and reduces fees across the board. I'm hard pressed to see however how HOOD will not inherit that class of customers as baby boomers pass on their generational wealth to the millenial generation. Do we begin to see a transition of assets from megacaps like SCHW in the next 24 - 36 months? I'd say most likely.