be rudderless in our flight it is also equally important not to download some random apps or do financial transactions on websites that dont provide security and standards meant to be at banking grade if done carelessly we run the risk of compromising all our financial information at the hands of those who have no business to have themactions speak louder than words i hope this is a great setting for you to resolve that you will never forget these four pillars as you build your financial structure for yourself and your familyrajesh krishnamoorthy is country head financial planning standards board ltd india liaison office