New Delhi, Aug. 13 -- India's retail investing story is no longer just about getting more people into mutual funds. As SIPs become a routine part of household financial planning, the bigger challenge is whether investors understand what they own, how much risk they are taking, and whether their investments remain aligned with their actual goals.

That is shifting the wealth management conversation from simply getting investors into products to helping them manage their entire financial position.

CashRich, a wealth-tech management platform that says it has over 3.5 lakh users, is taking that approach through what it calls a Family CFO model. The framework brings together a family's assets, liabilities, income, expenses, investments and lo...