Financial experts are warning that accumulating wealth is insufficient without a system for family continuity. Many households remain unprepared to manage financial assets, liabilities, and obligations if the primary decision-maker becomes unavailable, according to industry professionals.
The Gap Between Wealth and Access
Priyanka Arora, Chief Marketing Officer of The Plan Beyond, addressed this issue at the TechSparks 2026 conference in Bengaluru. She argued that while digital banking platforms make tracking assets easier, families frequently lack the necessary context to manage those holdings effectively. Even when family members are aware that assets exist, they often do not know how to access accounts, understand the purpose of specific investments, or manage outstanding liabilities like mortgages.
Arora illustrated the risk by asking attendees if their families could manage household finances during a 30-day absence of the primary breadwinner. Most participants could not confirm their families had the information required to navigate active insurance policies, loan repayments, or investment portfolios.
Unclaimed Assets and Financial Planning
The consequences of this information gap extend to the national level. Data shared by India’s Finance Minister in October 2025 indicated that Rs 1.84 lakh crore in financial assets remain unclaimed. This figure highlights a disconnect between the creation of wealth and the ability of intended beneficiaries to claim or manage it.
Arora emphasized that data alone is insufficient. Families require context regarding why an asset exists and what obligations are attached to it. For example, knowing an investment exists does not clarify if it is collateral for a loan or when a payment is due. The company, The Plan Beyond, is currently developing systems to address this lack of family continuity.