Financial planning is not just about growing wealth—it is about protecting the people we leave behind. Bharath, a 26-year-old software engineer in Pune, lived with his parents and younger sister. His father, Rajesh, was the family's sole earning member. He managed the household finances, paid the home loan EMI, handled investments, renewed insurance policies, and made every major financial decision. One morning, Rajesh suffered a sudden heart attack and passed away. The famil