New Delhi, March 6 -- Managing money is not only a job for many rich Indian families; it's also an emotional job. It takes years of hard effort, sacrifice, and ambition to build a portfolio. They hold the dreams of the founders, the duties of the heirs, and the silent optimism that things would get better for the next generations.

But underlying the sophistication of HNI portfolios lies a shockingly delicate reality: what happens to these assets when life changes suddenly?

What happens if the head of the household goes away? What if the PMS house that takes care of the money wants to change things up or sell its business? What happens to the portfolio when the individual who made the money is no longer there?

These questions that haven...