Each new client adds another manual process.
More accounts, providers and asset classes mean more statements to collect and records to enter. Serving a larger book can consume the team’s capacity before advisors reach the client conversation.
For wealth management firms & multi-family offices
AI agents for
wealth management teams.
SmartRich’s AI agent reads investment documents, reconciles portfolios, analyses exposure and drafts reports across your client book. Your team guides it with client context, checks its working and approves the results.
Make your team smarter and more productive. Give clients portfolio insights and AI support through their own portal.
Runs in your cloud · State-of-the-art and open AI models
SMARTRICHWorkflow illustration
01 · Store
Provider statementsAccounts · income · transactions
PDFTrades & holdingsStructured records · metadata
DATAEmails & shared filesInvestment documents · updates
FILESThird-party APIsMarket data · trades · holdings metadata
APIThe Vault
Your cloudInvestment documents & data · storage
02 · Delegate
Workflows · the agent does the work
SmartRich’s AI agent
Your client scope and instructions. SmartRich’s AI agent does the work.
Read statementsReconcile holdingsAnalyse dataDraft reports
03 · ReviewReview DeskYour team checks extracted records, resolves discrepancies and approves the work.
Check recordsResolve findingsApprove agent output
04 · Dashboards & reports
Client holdings, reconciled
A checked client portfolio.
Market investmentsPrivate holdingsDebt & depositsReal assets
Across members, accounts and providersApproved output
AI consolidates provider records
One income picture.
Interest & dividendsIncome records
Fund distributionsProvider statements
Realised gainsTransaction history
By member, provider and financial yearApproved output
AI drafts from your instruction
“Prepare the quarterly review.”
01Portfolio overview
02Allocation & performance
03Items for discussion
Reviewed for the client meetingApproved output
05 · DecideYour team decides
- Trim a concentrated equity holding.
- Raise cash for an upcoming capital call.
- Choose assets to sell after reviewing the tax impact.
Built around your practice
Wealth management firmsMulti-family officesAdvisory & operations teams
The challenges of running a wealth management firm
The operational cost
of every new client.
Your clients see one portfolio. Your firm coordinates a hundred moving parts. As the book grows, collecting data, reconciling records and getting work approved can take time away from the people advising clients.
Different teams work from different numbers.
Operations, advisors and tax reviewers can use different source dates, ownership mappings and valuation assumptions. The firm spends time resolving disagreements before it can use the information.
Reporting cycles compete with client service.
Quarterly reports and one-off exposure questions draw on the same analysts. When every answer needs another spreadsheet, advisors wait and client preparation gets squeezed.
Review queues become a bottleneck.
Extracting more data does not help if a few experienced people must check every record. Missing sources and unresolved exceptions send work back through the team.
Tax and regulatory changes create recurring rework.
Provider income records need reconciliation, while investment and tax updates need an applicability check. The firm must translate the results into approved reports, process changes and communications.
Too much depends on who remembers.
Client restrictions, past exceptions and the reasons behind a classification can stay with one employee. Leave, staff changes and handoffs expose gaps that a portfolio total cannot explain.
The SmartRich approach
AI for a faster, smarter,
more efficient practice.
Bring records from the systems and providers your firm uses into SmartRich through connected sources, APIs and uploads. SmartRich’s AI agent carries out the task; your team checks the working and approves the result. Start with one recurring workflow and define its data connections, review steps and destination for approved work.
WorkflowThe fragmented approachThe SmartRich approach
Collecting information
TodayChase emails, shared folders and individual spreadsheets.
With SmartRichAutomatically ingest documents and structured investment data from connected inboxes, shared folders and third-party APIs into a secure Vault.
Reconciling client portfolios
TodayRead statements and rekey investment records.
With SmartRichLet SmartRich’s AI agent read statements, extract investment records and reconcile existing client holdings for review, reducing manual data entry.
Answering questions
TodaySearch multiple files and recreate the analysis.
With SmartRichAsk portfolio questions in natural language. SmartRich’s AI agent analyses transactions and underlying holdings, saving your team from searching files and rebuilding the analysis.
Preparing reports
TodayGather figures and rebuild the presentation each cycle.
With SmartRichDescribe the report you need. SmartRich’s AI agent assembles the data and drafts it, saving your team from rebuilding reports each cycle.
Tax preparation
TodayCollect provider statements and calculate income across different rules.
With SmartRichLet SmartRich’s AI agent consolidate provider statements, classify investment income and apply the relevant tax rules, reducing the calculations your team must assemble for review.
Make and Check
TodayTrace figures and conclusions back through separate files and spreadsheets.
With SmartRichSmartRich shows the working behind its AI agent’s work, giving your team full transparency to check the work, make corrections and approve it.
Managing team effort
TodayPiece together activity from separate tools.
With SmartRichTrack employee and advisor activity across workflows to identify review bottlenecks and recurring rework, then decide where to rebalance team effort.
How it works
Connected data. Agent workflows.
Human oversight.
Three core tools carry the work from incoming information to reviewed and approved output from SmartRich’s AI agent. Vault stores the data, Workflows let the agent act on it, and Review Desk gives people the place to check and approve it. Dashboards and reports then inform human decisions.
Connect your data
Vault
Emails, uploads, shared folders and third-party APIs feed a shared store of investment documents and structured data.
- Provider statements, trade records and investment documents
- Account owners, instrument metadata and underlying holdings
- The source material agents use to run workflows
Delegate the groundwork
Workflows
Give SmartRich’s AI agent a task for a client or client group. Set the scope, supply context and review the working before using the result.
- Read statements, extract records and reconcile holdings
- Query exposures, prepare tax summaries and draft reports
- Surface missing information and exceptions for review
Check and approve the work
Review Desk
See the agent’s working alongside the records it used. Check discrepancies, make corrections and approve the result before it reaches dashboards and reports.
- Inspect calculations, mappings and the supporting records together
- Resolve exceptions and add missing client context
- Check corrections before approving the work for use
Follow a task through the process
From incoming data
to a considered decision.
See SmartRich’s AI agent complete routine tasks and flag gaps that need human input. Follow the working, the review and the decisions that come after approval.
Illustrative example · Reconcile client portfolios
A recorded sale. No purchase on file.
SmartRich records routine transactions and bonus units automatically. During reconciliation, it finds a sale with no corresponding purchase in the available history and asks for the missing evidence.
Your instruction
“Reconcile these client holdings. Show any transactions that the available records cannot explain.”
A sale with missing history
- Broker sale
- 250 units
- Purchases in the Vault
- None recorded
- Broker closing holding
- 0 units
The current statement records the sale, but the Vault has no earlier statement showing how the client acquired the units.
Flag the unexplained sale
0 − 250 = −250 units
SmartRich’s AI agent shows why the available history cannot support this sale and flags the missing acquisition record.
Purchase history neededBring in the missing statement
250 bought − 250 sold = 0
The reviewer supplies an older statement containing the 250-unit purchase. SmartRich reads it, records the buy and reruns reconciliation. The reviewer checks the completed history and approves the work.
Close the gap in the record
- Purchase recorded
- 250 units
- Sale recorded
- 250 units
- Closing holding
- 0 units
The reconciled position now matches the broker statement. The approved transaction history feeds the portfolio and client report.
Reconciled after new evidenceDecisions after approval
The advisor can now use the complete transaction history to explain the disposal to the client. Operations can decide whether other accounts need the same historical statements.
The firm’s benefit
Identify the missing evidence directly, give the reviewer a specific document to retrieve and let SmartRich rerun the reconciliation once it arrives.
Illustrative records and figures, not a customer result or a live product demonstration.
Illustrative example · Prepare a report
The portfolio grew. How much came from new money?
SmartRich drafts a quarterly review for the advisory team. One portfolio increased in value, but the client also added money during the quarter.
Your instruction
“Draft the quarterly client review. Separate new contributions from changes in investment value.”
Read values and cash movements
- Opening value
- ₹8 crore
- Closing value
- ₹8.6 crore
- New contribution
- ₹50 lakh
The approved portfolio records and cash ledger supply the figures for the reporting period.
Explain the increase
₹60 lakh − ₹50 lakh = ₹10 lakh
SmartRich’s AI agent calculates both parts of the increase, assembles the report tables and drafts commentary that distinguishes new money from changes in investment value.
Commentary for reviewCheck what the figures mean
The reviewer confirms the contribution and period boundaries. The advisor checks that the commentary distinguishes account growth from investment return, adds the client’s goals and approves the report.
Present the change clearly
- New money added
- ₹50 lakh
- Remaining value change
- ₹10 lakh
The approved review pack explains both parts of the increase and includes the advisor’s discussion points.
Approved for the client reviewDecisions after approval
Using the approved report and the client’s goals, the advisor decides whether to propose deploying the new contribution or retaining it for a planned commitment.
The firm’s benefit
Let SmartRich assemble the figures and draft the explanation so advisors can focus their review on meaning, context and recommendations.
This simplified illustration assumes no other cash flows. The ₹10 lakh is a residual value change, not a calculated investment return.
Illustrative records and figures, not a customer result or a live product demonstration.
Illustrative example · Explore the data
One issuer. Two routes into the portfolio.
An advisor asks about issuer exposure before a client review. SmartRich combines the direct holding with the exposure inside a fund, using records already in the Vault.
Your instruction
“Show the combined issuer exposure at quarter-end, including underlying fund holdings and the source dates.”
Read positions and fund holdings
- Direct issuer holding
- ₹20 lakh
- Fund position
- ₹50 lakh
- Issuer weight in fund
- 6%
Connected sources supply portfolio positions and fund holdings for the same quarter-end. SmartRich uses the instrument metadata to match the issuer across both.
Calculate the combined exposure
₹20L + (₹50L × 6%) = ₹23L
SmartRich’s AI agent calculates ₹3 lakh of indirect exposure, adds the direct holding and shows the sources and dates behind the answer.
Analysis ready for reviewCheck the scope of the answer
The advisor checks that the analysis covers the requested accounts, uses matching dates and maps the right issuer. With no missing records in this example, the analysis is ready to approve.
See the combined exposure
- Direct exposure
- ₹20 lakh
- Exposure through the fund
- ₹3 lakh
- Combined exposure
- ₹23 lakh
The approved exposure view carries the source dates and calculation into the advisor’s dashboard.
Approved for the client reviewDecisions after approval
The advisor compares the approved exposure with the client’s mandate and decides whether to trim the direct holding, change the fund allocation or retain the exposure.
The firm’s benefit
Answer an exposure question without building another spreadsheet. SmartRich does the matching and calculation; the advisor evaluates what the combined position means for the client.
Illustrative records and figures, not a customer result or a live product demonstration.
Illustrative example · Prepare the tax picture
The total matches. The income breakdown doesn’t.
While preparing a client’s quarterly tax report from emails and statements, SmartRich compares AIF distribution letters with Form 64C or the provider’s quarterly tax emails. The documents agree on total income but disagree on its classification.
Your instruction
“Prepare the quarterly tax filing report for this client from emails and statements.”
Match the provider documents
- Distribution letter
- ₹3L short-term · ₹2L long-term
- Form 64C
- ₹2L short-term · ₹3L long-term
- Total income in each
- ₹5 lakh
The Vault receives the documents through connected inboxes or files. SmartRich matches the investor, fund and income period before comparing the breakdown for FY 2025–26.
Find the classification mismatch
Short-term: ₹3L − ₹2L = ₹1L difference
SmartRich’s AI agent shows the ₹1 lakh shift between short-term and long-term gains, with both source entries alongside it. It drafts a query asking the provider to confirm the classification.
Provider clarification neededResolve it with the provider
The reviewer checks the comparison and sends the query. In this example, the provider confirms an error in the distribution letter and supplies a corrected version. SmartRich reads it and reruns the comparison; the reviewer checks and approves the corrected breakdown.
Use the confirmed income breakdown
- Short-term gains
- ₹2 lakh
- Long-term gains
- ₹3 lakh
- Total income
- ₹5 lakh
The approved summary links the corrected letter, Form 64C and provider clarification, giving the tax team the confirmed income categories for its calculations.
Approved after provider clarificationDecisions after approval
The tax team decides whether the corrected classification requires revising the client’s tax calculation or an earlier estimate before handing the report to the accountant.
The firm’s benefit
Catch a discrepancy that a total-only check would miss. Give the reviewer the conflicting entries and a specific provider query, without manually comparing every letter and email.
Illustrative discrepancy for the same investor, fund and income period. Differences can also reflect timing, return of capital or later adjustments; SmartRich flags them for clarification rather than assuming either document is correct. A quarterly email supports an interim comparison until the annual Form 64C is available.
Reference: Income Tax Department · Form 64C and its income categories
Illustrative records and figures, not a customer result or a live product demonstration.
Illustrative example · Track regulatory changes
New AIF disclosures. Eight subscriptions to update.
While monitoring regulatory updates, SmartRich spots a notice requiring updated fee, lock-in and exit disclosures before new AIF subscriptions. In this illustrative scenario, it finds eight subscription packs that need updating and drafts a briefing for the advisors handling them.
Your instruction
“Monitor investment and tax updates relevant to our firm. Flag affected client cases and documents, and prepare action briefs for compliance and the advisory team.”
Spot a relevant update
- Illustrative requirement
- Updated fees, lock-ins and exit terms
- Applies to
- New AIF subscriptions
- Client cases to assess
- 12
SmartRich monitors the firm’s selected regulatory sources and identifies the example AIF notice. It retrieves subscription packs, disclosure templates and pending client cases from the Vault to assess the impact.
Find the packs that need updating
12 cases = 8 subscriptions + 4 reviews
SmartRich’s AI agent identifies eight new subscriptions using the earlier disclosure template. It links each missing disclosure to the notice, extracts the effective date and drafts an advisor brief. It proposes excluding four reviews of existing holdings.
Scope and document changes for reviewConfirm who needs the new disclosures
Compliance checks the effective date against the eight planned subscriptions and confirms the four portfolio reviews involve no new investment. It checks the proposed document changes and advisor briefing, makes corrections and approves the action list.
Put each change with its owner
- Subscription packs to update
- 8
- Existing-holding reviews excluded
- 4
- Shared material
- Disclosure template + advisor brief
Compliance and the affected advisors receive the approved brief with the client cases, disclosure sections to update and deadline from the notice.
Approved for compliance and advisorsDecisions after approval
The compliance lead assigns the template update and decides whether any of the eight subscriptions must wait for revised disclosures. The advisory head assigns client follow-ups to the advisors handling those cases.
The firm’s benefit
Keep the firm informed as relevant updates appear. Give compliance the affected documents and cases, and give advisors clear client actions without each person monitoring and interpreting the same notices.
The notice, disclosure requirement and case counts are fictional. This illustrates how SmartRich connects a regulatory update to client work; it does not describe an actual AIF rule.
Illustrative records and figures, not a customer result or a live product demonstration.
Illustrative example · Understand team productivity
Twelve late reviews. Eight are waiting on a provider.
The operations head asks why client reports are delayed. The activity dashboard initially groups every late review into one queue.
Your instruction
“Explain this week’s delayed reviews. Separate work waiting on our team from work blocked by missing provider records.”
Read the review queue
- Late reviews
- 12
- Provider follow-up records
- 8 cases
- Assigned internal reviewers
- 4 remaining cases
Workflow timestamps, assignments and document requests show where each item is waiting.
Separate the causes
12 late = 8 blocked + 4 internal
SmartRich’s AI agent matches review items to outstanding document requests and shows the evidence behind each proposed delay category.
Delay reasons to validateAdd the staffing context
The manager confirms the eight provider delays, checks case complexity and notes that two of the four internal cases belong to a reviewer on leave. The manager adds this staffing context and approves the report.
Make the bottlenecks visible
- Awaiting provider records
- 8
- Internal cases to review
- 4
- Of those, assigned to absent reviewer
- 2
The approved dashboard distinguishes external dependencies from internal workload and includes the manager’s staffing context.
Approved with team contextDecisions after approval
The operations head reassigns the two cases, prioritises the other internal reviews and asks the provider relationship owner to follow up on the eight blocked items.
The firm’s benefit
Direct management attention to the actual cause of delay and avoid treating every overdue item as an employee performance problem.
Illustrative records and figures, not a customer result or a live product demonstration.
What you can do with SmartRich
Extend AI assistance across
your firm’s client work.
Choose the tasks that matter to your teams. Use the same Vault, SmartRich’s AI agent and Review Desk as you extend from one workflow to another.
Bring in data
Automatically ingest emails, files and structured investment data from connected inboxes, shared folders and APIs; add files through uploads.
Consolidate client portfolios
Assemble and reconcile existing holdings across members, entities, accounts and asset classes.
Create reports
Describe the report you need. SmartRich’s AI agent gathers the figures and drafts a client review or firm report.
Analyse investment exposure
Explore positions, transactions and underlying holdings using natural-language questions.
Understand team productivity
See workflow activity, review turnaround and recurring rework across employees and advisors.
Prepare tax reports
Use SmartRich’s AI agent to bring together emails and statements across investment types and providers, reconcile income, apply the relevant tax rules and draft the report. Check discrepancies and calculations before approving it.
Connect portfolios to personal AI
Give clients an AI-supported portal for approved portfolio information and reports. Let them connect their portfolio to their preferred personal AI agents, with personally identifiable information (PII) scrubbed before data is shared outside your cloud.
Track regulatory changes
Let SmartRich’s AI agent monitor investment and tax updates, flag changes relevant to your firm and draft briefs showing affected clients, documents and deadlines. Review and approve the briefs to keep employees and advisors informed.
The breadth of Indian wealth
Work across the assets
your clients hold.
Your client book spans market investments, private holdings, property, deposits, retirement assets and business ownership. Scope each workflow around the relevant records, available data and calculations for those assets.
Markets & managed portfolios
Indian and overseas equities · Mutual funds · ETFs · PMS · REITs · InvITs · Derivatives
Debt, deposits & cash
Government securities · Treasury bills · Corporate bonds and debentures · Fixed and recurring deposits · Savings and cash · Structured products
Private & alternative investments
AIFs · Private equity · Venture capital · Unlisted shares · Startup investments · Private credit · Loans and receivables
Real assets & other holdings
Residential and commercial property · Land · Gold and silver · Sovereign gold bonds · Art and collectibles · Digital assets
Retirement & insurance
EPF · PPF · NPS · Other retirement accounts · ULIPs · Endowment and other insurance policies
Employee & business ownership
ESOPs · RSUs · Promoter holdings · Stakes in private businesses and partnerships
During evaluation, agree which sources can connect automatically, which records need uploads, and which reconciliation, valuation or tax calculations the selected workflow needs.
Deployment and data privacy
Your cloud. Your data.
Your choice of AI.
SmartRich runs in your cloud, with access to state-of-the-art and open AI models through managed services such as Vertex AI.
Data privacy
Your Vault and application run in your cloud environment. Choose models and configure processing location and retention to meet your firm’s data policies.
Vertex AI’s managed-model terms prohibit training on customer data without your permission or instruction.
Sensitive data protection
Encrypt personally identifiable information and stored passwords within the customer deployment to protect sensitive client records and credentials.
Access and approval design
Define which teams and agents may access each client’s records, who reviews their work and who can approve publication.
Agree how corrections and approvals should be recorded so your firm can trace who checked the work and authorised its use.
Connecting a personal AI agent: When a client connects an external agent, the shared portfolio data leaves your cloud after PII is scrubbed. Financial information can still be sensitive; the external provider’s processing, retention and training policies apply to that shared data.
The Wealth Stack
Our thinking on wealth
and the work behind it.
August 2026
The Reports Were Ready. The Firm Wasn’t.
A wealth management firm has 180 client reports ready for quarter-end. Then operations asks one question: ready for whom? A story about AI groundwork, review queues and the decisions that come afterwards.
Read article ↗June 2026
Your Net Worth Is an Opinion, Not a Fact
Why the single figure you write down for your net worth is an estimate dressed up as a fact — the valuation choices, ownership boundaries and timing gaps that make it move by crores, and what it takes to earn a number you can defend.
Read article ↗June 2026
The Wealth Stack: The Six Layers Nobody Mapped Together
A walk through the six layers underneath every family office — data, infrastructure, operating system, behaviour, business model, future — and how to tell which one is actually broken when something goes wrong.
Read article ↗Let’s talk about your practice
Start with one workflow.
Define what better looks like.
Tell us which recurring task takes too much of your team’s time. Together, we’ll identify what SmartRich can take on, where people need to review the work and which data sources are needed. Leave with a workflow to evaluate and clear measures of success: manual effort, review time and turnaround.
Talk to us ↗demo@thesmartrich.com · A sanitised sample is optional for the first conversation.