Barron's Advisor Ariana Bhatia: Investing for Multigenerational Families | Next Gen
Sep 11, 2025
Ariana Bhatia, a Private Wealth Advisor at Merrill Lynch, specializes in advising multi-generational families and business owners. She discusses how different generations uniquely approach investments, emphasizing tailored strategies for wealth management. Bhatia clarifies common misconceptions about private investments, especially their flexibility. She explores the importance of financial literacy and early conversations about money between parents and children. Finally, she highlights teamwork in wealth management, showcasing how collaboration enhances client outcomes.
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Show Up To Unlock Family Conversations
- Ariana shows up in person to deepen multi-generational relationships and hears issues families otherwise wouldn't raise.
- Being physically present revealed heirs' questions about entering the family business and strengthened ties.
Portfolios As Lifestyle Tools
- Next-gen clients view portfolios as dynamic tools tied to flexible lifestyles and careers.
- They often plan to use portfolio assets alongside career transitions rather than solely for retirement.
Use Asset Location, Not Just Allocation
- Place investments by intended use: long-term holdings in IRAs and accessible assets in taxable accounts.
- Use asset location to align liquidity and tax treatment with the client's planned withdrawals.