"But you tell me that that's going to be the case with people who are 35 and are just embarking on their entrepreneurial careers when they've capital gathered when they're 50.
"In 10 or 15 years' time, they're going to expect a technology-led proposition with an adviser alongside of that, and that's where the industry has got to go."
But being able to go on that journey takes money, which is why Stockton believes larger firms will thrive over smaller ones.
"You can see in 10 or 15 years' time, acquisitions and bigger firms will have to be moving forward because they're the ones who are going to be able to invest £5mn- £10mn on making sure that all works and is secure and is safe and cybersecurity is absolutely perfect."
carmen.reichman@ft.com