Family Wealth Continuity Platform

Your wealth should not stop with you.

Organise your financial world today, so your family can understand it tomorrow.

  • Savings
  • Deposits
  • Insurance
  • Mutual Funds
  • Shares
  • Bonds
  • Property
Check my family’s readiness Build my family wealth record Learn how it works →

Transform your investments into a legacy for your loved ones and future generations.

A tree representing one family, with four branches: banking, investments, protection and property Banking Investments Protection Property
One Family. One Financial Picture.

Your journey

  1. DiscoverFind every asset
  2. OrganiseBuild your record
  3. DocumentCapture the details
  4. PrepareReview nominees
  5. ContinuePass it on

The important question

If your family had to understand your entire financial life tomorrow, could they?

Answer honestly. This quick check is private and runs only in your browser.

Do they know all your bank accounts?
Do they know where your investments are held?
Do they know about every insurance policy and the sum assured?
Do they know whether nominee information is current?
Do they know where your property documents are stored?

If the answer to any of these questions is “I am not sure”, your family may have a financial-information gap.

The Gomeen answer

One Family. One Financial Picture.

Your investments may be spread across institutions. Your family’s understanding should not be.

Your Wealth. Your Family. Your Legacy.

Start your family wealth continuity journey

The problem

You know your investments. Does your family?

You understand your investments. The real continuity question is whether your family can identify and navigate them when you are unavailable.

Many upper-middle-income families build wealth gradually through multiple financial products and properties. Information may be distributed across passbooks, emails, mobile applications, physical files, lockers, tax records and personal devices.

While the investor is actively managing these assets, access may appear straightforward. Difficulty can arise after an unexpected absence, when family members have to identify institutions, policies, account references, nominees and supporting documents.

The first challenge may not be claiming an asset. It may be discovering that the asset exists.

A family may need to ask

  • Which banks did the investor use?
  • How many fixed or recurring deposits existed?
  • Were nominee details registered and current?
  • Which mutual fund houses held the investments?
  • Which broker or depository participant held the Demat account?
  • Was there a life or term insurance policy?
  • What was the sum assured?
  • Where are the original property documents?
  • Are there investments that no family member knows about?

Assets commonly spread across institutions

Our solution

One family. Multiple assets. One clear financial picture.

The Gomeen Family Wealth Continuity Platform helps individuals and families establish a structured record of financial assets, insurance protection and important property documentation.

Discover

Identify and catalogue important financial assets, policies and properties.

See Step 1 →

Document

Create an organised portfolio register containing essential information about each asset.

See Step 2 →

Prepare

Improve nominee awareness, document readiness and the family’s understanding of where to begin.

See Step 3 →

The aim is not to replace records maintained by banks, insurers, brokers, registrars, depositories or government agencies. The aim is to provide a consolidated family roadmap showing what exists, where it is held, what documentation is available and what needs attention.

What the family gains

  • A consolidated view of family wealth information
  • A structured register for banking, investments, insurance and property
  • Improved visibility of nominee and document status
  • Clearer identification of institutions and important contacts
  • A repeatable process to review and update the information
  • A financial-information bridge from the investor to future generations

How Gomeen works

From scattered information to family continuity

A practical, five-step journey.

  1. 01

    Family Financial Discovery

    We work with you to identify financial and non-financial assets across categories — making the invisible visible.

  2. 02

    Create the Family Wealth Portfolio

    Each asset is classified in a structured register. See the record fields ↓

  3. 03

    Nominee Readiness Review

    Spot where nominee details, family contacts and supporting records may need attention.

  4. 04

    Insurance Protection Visibility

    A visible record of insurer, policy, sum assured, nominee and claim contacts. Learn more ↓

  5. 05

    Periodic Review

    Review whenever an account opens or closes, a nominee changes, a policy matures or property is bought or sold.

Nomination does not automatically settle every succession or ownership question; applicable institutional procedures and professional legal guidance may still be necessary.

Suggested record fields

CategorySuggested record fields
BankingBank, account type, branch, holder and nominee status
DepositsInstitution, deposit reference, maturity information and nominee status
InsuranceInsurer, policy type, policy reference, sum assured and nominee information
Mutual FundsAMC/RTA, folio information, holding reference and nominee status
EquitiesBroker/depository participant, Demat reference and nominee status
BondsIssuer, investment reference, maturity information and nominee status
Real EstateProperty description, ownership, key documents and document location

Security note: ordinary portfolio records should not contain passwords, PINs, one-time passwords, private keys or complete authentication credentials.

Our solutions

Modular services, offered individually or as a complete programme

Family Wealth Portfolio

A consolidated register providing a structured view of banking, investments, insurance and property.

View the dashboard →

Banking & Deposit Record

Visibility of savings accounts, fixed deposits, recurring deposits, PPF, EPF and other applicable accounts.

See what’s recorded →

Investment Record

Organisation of mutual fund folios, Demat accounts, equities, bonds, government securities and retirement investments.

See record fields →

Insurance Visibility

A structured policy register covering life insurance, term insurance, sum assured, nominees and document locations.

Learn more →

Family Financial Continuity File

A family-ready reference file bringing together portfolio, policy, property, contacts and continuity checklists.

See what’s inside →

Family wealth dashboard

Your financial life, organised in one structured view.

The digital platform may present a portfolio overview under the following categories.

Banking & Deposits

Savings, FD, RD, PPF, EPF

Investments

Mutual funds, shares, bonds, government securities

Protection

Life insurance, term insurance, policy and sum assured visibility

 Property

Land, residential property, commercial property and document references

Sample family dashboard

Fictional figures · data as of 16 Oct 2026 · values are owner-entered, not valuations

Illustrative
Declared assets₹30.50 LActive records only
Declared liabilities₹6.00 LLoans and card balances
Indicative net position₹24.50 LAn inventory estimate, not a valuation
Life & term cover₹1.25 CrHealth cover is shown separately
Actions due in 30 days2Renewals, maturities, due dates
Records to review5Missing or out-of-date details

Upcoming actions

  • Credit-card statement dueIn 20 days
  • Fixed deposit maturesIn 27 days
  • Term policy premium dueIn 43 days
  • Health policy renewalIn 59 days

Continuity check

  • Emergency instructions present
  • Backup restore last tested 14 Sep 2026
  • Handover pack not tested this year
  • 2 records missing nominee status
  • 1 balance not verified in 90+ days
  • 1 document link broken, 1 expiring soon

A missing balance is never counted as zero. Life and term sum assured is never added to health cover. Every value shows its “as of” date. This sample is for illustration only and is not advice.

Continuity indicators

  • Asset identified
  • Institution and reference captured
  • Nominee information recorded or requiring review
  • Supporting document available or missing
  • Family contact or adviser recorded
  • Last review date and next review status

Important platform principle

Visibility and continuity, not custody of the customer’s money or financial assets.

Read the FAQ →

Insurance protection visibility

Do not let an insurance policy become a forgotten family asset.

An insurance policy can support the family only when the family knows that it exists and understands where to start.

Life and term insurance may provide a monetary benefit after the insured event, subject to the policy terms, exclusions and the insurer’s claim process. Family visibility is therefore essential.

Gomeen does not promise claim approval or payment. The insurer determines eligibility and settlement according to the policy, applicable law and its claim process.

Suggested insurance record

  • Insurance company
  • Policy type and reference number
  • Policyholder and insured person
  • Sum assured
  • Nominee information
  • Premium status or important dates, where appropriate
  • Policy-document location
  • Insurer contact and claim-information reference
Review my insurance visibility

Real estate document management

Your property is valuable. So are the documents that establish and explain it.

A real estate asset may involve several documents created across purchase, financing, taxation, construction, possession and ongoing ownership. Gomeen can help build a structured property-document inventory.

What property exists→Who owns it→What documents relate to it→Where the documents are maintained

Illustrative property document categories

  • Sale deed and parent documents
  • Patta and applicable land records
  • Encumbrance-related records
  • Approved building plans and completion-related records
  • Property-tax receipts
  • Home-loan, mortgage and loan-closure documents
  • Utility records
  • Property insurance records
  • Rental or lease agreements
  • Other ownership-related documents

Digital document controls

Before offering document upload or storage, Gomeen will define and validate its encryption, access control, identity verification, backup, retention, deletion, incident response and privacy arrangements. See the FAQ ↓ · Privacy & security →

Organise my property documents

Family financial continuity file

A practical financial roadmap your family can understand and review.

Personal & family information
  • Investor details
  • Family contact details
  • Nominee and trusted-contact references
Banking
  • Savings accounts
  • Deposits
  • PPF, EPF and applicable accounts
Investments
  • Mutual funds
  • Shares and Demat
  • Bonds and government securities
  • Other investments
Insurance
  • Life and term insurance
  • Sum assured
  • Policy and nominee information
Property
  • Property inventory
  • Ownership information
  • Document checklist and storage location
Important contacts
  • Banks and financial institutions
  • Insurers
  • Broker / depository participant
  • AMC / RTA
  • Chartered accountant
  • Lawyer or appropriately qualified adviser
Continuity checklist
  • Nominee review status
  • Documentation status
  • Information requiring update
  • Family-awareness status
  • Last review and next review
Create my portfolio view

Handover & privacy

Your family gets what you approve, and nothing more.

Continuity should not mean exposing everything. The record is built so that you decide what is shared, with whom, and when.

A handover your family can actually follow

  1. Write a “Read Me First”

    Emergency contacts, the categories you hold, the last review date and how to reach each institution.

  2. Decide what may be disclosed

    To whom, under what condition, and who can authorise release. Have the process reviewed for local legal validity.

  3. Prepare a minimum-necessary pack

    Insurer and claim contacts, enough policy detail to locate records, and where documents are kept. No credentials, no unrelated personal data.

  4. Choose a custody method that still works without you

    Not only a locked device, an inaccessible account or a single person.

  5. Test it every year

    Walk a trusted person through it using non-sensitive sample data, and record the date and any issues.

Important

On a real event, your family contacts each institution and follows its identity-verification and legal process. The record helps them find where to start. It is not authority to access, claim or transact, and a nominee entry in the record does not replace an institution’s registered nomination.

Privacy by design

Collect the minimum

Masked account references and card last-four only. Never passwords, PINs, CVVs or OTPs.

Neutral file names

Documents are named with neutral IDs, never account numbers, medical details or family names.

Owner-controlled disclosure

No public links, no family-wide sharing and nothing shared automatically. Every release is a decision.

Keep the master separate

The handover pack holds only approved documents. The full record is never copied wholesale.

Backups you can restore

Dated backups kept apart from the original, with a restore test every quarter.

No advice, no AI

No investment recommendations, market feeds or automated analysis. Just your own information, organised.

Keeping it current

WhenWhat to review
MonthlyUpcoming premiums, renewals, maturities and card or loan due dates. Update balances where practical and confirm the backup completed.
QuarterlyStale balances and values, document links, sharing settings and device security. Test opening key files and restoring a backup.
AnnuallyReconcile every category to official statements, confirm nominees and contacts, test the handover pack, and check legal and jurisdictional assumptions.
On a life eventMarriage or divorce, birth or adoption, a death, relocation, a new job, policy changes, buying or selling property, new loans or a change of trusted contact.
On a device changeBack up, migrate, check that everything still opens and works, then securely retire the old copies.
Suggested document folder structure
  • 00 Read Me and emergency process
  • 01 Identity and family contacts
  • 02 Banking and deposits
  • 03 Provident funds
  • 04 Insurance: health, life and term, vehicle
  • 05 Real estate
  • 06 Gold and valuables
  • 07 Receivables
  • 08 Liabilities: cards and loans
  • 09 Archived and closed

Example neutral file name: DOC-000123_HealthPolicy_Insurer_2026-10-18.pdf

Generational wealth continuity

Your wealth should not become a financial puzzle. It should become an organised legacy.

Think beyond individual products. Build an understandable financial-information bridge across generations.

  1. Investor
  2. Spouse or nominee
  3. Children
  4. Future generations

The Gomeen philosophy is that financial organisation should not end with the person who created the wealth. A structured and periodically maintained family record can make the financial landscape easier for loved ones to understand.

What continuity means

  • The family knows what asset categories exist
  • The relevant institutions can be identified
  • Important documents and references can be located
  • Nominee-related gaps are visible
  • Professional contacts are known
  • The record can be updated and passed to the next generation

For families · Who we serve

Designed for families that have built assets over time.

Families that need a clearer continuity framework.

Salaried Professionals

For wealth accumulated across salary accounts, provident funds, insurance, mutual funds, deposits and property.

Business Owners

For families whose personal financial information spans multiple institutions and asset classes.

Non-Resident Indians

For families where the investor, assets and family members may be located in different countries.

NRI questions →

Senior Professionals & Retirees

For individuals who have accumulated investments and documents across several decades.

Families Owning Multiple Properties

For families needing a structured property inventory and document-location register.

Property documents →

Parents Planning for Children

For parents who want their financial information to remain understandable and accessible to the next generation.

Generational continuity →

Illustrative family scenario

Meet Mr Kumar

Over 25 years, Mr Kumar has accumulated three bank accounts, four fixed deposits, a PPF account, several mutual fund folios, a Demat account, bonds, two insurance policies, a house and a plot of land.

Mr Kumar understands his finances very well. His family, however, knows only about the house, his primary bank account and one insurance policy.

The immediate family question may not be “What did he leave us?” It may be “How do we find out what he had?”

The Gomeen approach

While Mr Kumar is available, his financial information is organised into a structured Family Wealth Continuity record. His family receives a clearer picture of:

  1. What exists
  2. Where it is held
  3. What documentation exists
  4. Who to contact
  5. What requires attention

Illustrative example only, not a customer testimonial. Actual requirements and outcomes depend on the customer’s circumstances, institution procedures, product terms and applicable law.

Why Gomeen?

We are not only looking at wealth. We are looking at whether the family can navigate it.

Traditional financial discussions often begin with “Where should I invest?” Gomeen starts with another question: “Will your family know what you own and where to find the information?”

Visibility

Bring financial information into one structured view.

Organisation

Maintain an understandable record of assets, policies and properties.

Nominee Awareness

Reduce information gaps between the investor and family.

Documentation

Maintain a practical reference for investments and supporting records.

Continuity

Build an information bridge between generations.

Peace of Mind

Make the family’s financial landscape easier to navigate.

Trust principles

  • Customer-controlled information
  • No collection of passwords, PINs or OTPs
  • Clear consent and privacy practices
  • No guaranteed claim, transfer or inheritance outcomes
  • Referral to qualified legal, tax or regulated professionals where required
  • Transparent service scope and fees
Read our privacy & disclosure approach →

Resources

Guides and answers to help you start

Frequently asked questionsPlain-language answers on scope, nominees, security and NRIs. Continuity file checklistWhat a family-ready financial continuity file contains. Suggested record fieldsThe information captured for each asset category. Insurance record guideEight details every family should be able to find. Property document categoriesTen document types worth locating and recording. Sample dashboardSee how declared assets, liabilities and cover are shown, with fictional figures. Handover & privacyHow an owner-approved handover works and how information is protected. Review scheduleWhat to check monthly, quarterly, annually and after life events. Disclosures & policiesScope, disclaimer, privacy, terms and grievance contact.

About Gomeen

Wealth should remain visible, organised and understandable.

A family’s wealth should remain visible even when the person who created it is no longer available to explain it.

Gomeen Consultancy Services Limited is building a Family Wealth Continuity Platform that brings together financial portfolio visibility, nominee readiness, insurance awareness and important property-document organisation.

Our aim is to help families move from scattered financial information to structured family wealth visibility and better preparedness for future generations.

Our vision

To help families establish a clear, organised and sustainable financial-information framework that supports wealth continuity across generations.

Our values

  • Clarity
  • Trust
  • Confidentiality
  • Family preparedness
  • Responsible guidance
  • Continuity

Our mission

  • Identify and organise financial assets
  • Create consolidated portfolio visibility
  • Maintain insurance and nominee information
  • Organise critical property documentation
  • Identify gaps in continuity information
  • Support periodic record updates
  • Improve family awareness
  • Build a financial-information bridge between generations

Family Wealth Continuity Platform

You Built the Wealth. Help Your Family Find It.

Transform your investments into a legacy for your loved ones and future generations.

  • Your Wealth. Their Future. One Clear Roadmap.
  • Do Not Leave Your Family Searching for What You Built.
  • Organise Today. Support Family Continuity Tomorrow.
  • From Investment to Inheritance. From Wealth to Legacy.
  • One Family. Multiple Assets. One Clear Financial Picture.
  • Your Financial Life, Organised for the People You Love.

Ways to begin

Build My Family Wealth Record Start My Continuity Journey Book a Family Wealth Discussion Create My Portfolio View Review My Nominee Readiness Organise My Property Documents Talk to Gomeen

Frequently asked questions

Clear answers, in plain language.

Still unsure? Talk to Gomeen.

Is Gomeen an investment platform?

Gomeen’s core proposition is family wealth information consolidation, continuity planning and document organisation. It does not take custody of customer money or replace the official records of financial institutions.

Will Gomeen transfer my investments to my nominee?

Gomeen helps organise information and improve family readiness. Actual transmission or claim processes are handled by the relevant bank, insurer, broker, depository, registrar, government body or other institution according to its requirements and applicable law.

Does nomination automatically determine inheritance?

Nomination and legal succession can involve different rules depending on the asset and circumstances. Customers should obtain advice from an appropriately qualified legal professional for wills, succession and estate-planning questions.

Will you store my passwords and PINs?

The recommended service design does not require passwords, PINs, OTPs or complete authentication credentials to be included in the portfolio register.

Will my nominee get automatic access to my records?

No. A nominee entry in the record is informational and does not replace an institution’s registered nomination or any legal requirement. Information reaches the family only through the handover process you approve. See how handover works.

Does Gomeen give investment advice or use AI?

No. The service does not recommend investments, rank products, forecast returns or use market data, and it does not use AI to analyse your information. It organises what you already hold, using only the details you provide.

How often should my family record be updated?

It should be reviewed when significant changes occur, such as opening or closing an account, changing a nominee, buying or selling property, purchasing insurance or changing important contact details.

Can NRIs use the service?

The service concept is relevant to NRIs who need a structured view of assets and documents. Cross-border succession, taxation and regulatory matters should be handled with suitably qualified professionals in the relevant jurisdictions.

Does Gomeen guarantee an insurance claim or asset recovery?

No. Claims, transfers and recoveries remain subject to institution procedures, product terms, legal requirements and verification.

Can property documents be uploaded?

This should be offered only after Gomeen implements and communicates appropriate security, privacy, access-control, backup, retention and deletion arrangements. See Privacy & security.

Contact us

Start your family wealth continuity journey

Your family’s financial future deserves more than scattered records. Start organising your wealth information today.

Talk to Gomeen

Please do not include passwords, PINs or OTPs in this form.

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Your Wealth. Your Family. Your Legacy.

Important disclosures

Gomeen Consultancy Services Limited provides financial-information consolidation, documentation and family wealth continuity support. Information on this website is for general information, documentation and continuity-planning purposes and does not constitute personalised investment, legal, tax or insurance advice. Gomeen does not guarantee the approval of a claim, recovery of an asset, transmission to a nominee, investment performance or any legal succession outcome. Read the full scope statement and disclaimer →