Financial Planning
About Financial Planning
We all have many responsibilities and goals in our lives. We have dreams and aspirations for a better future. But quite often we are not sure as to how we will fulfill these goals and aspirations. Life changes over time. We may never be sure what today holds for us tomorrow. What if something goes wrong? How do we make sure that we get what we wish?
A comprehensive Financial Plan is what you need. At T R Capital we offer you with Comprehensive Financial Planning solutions which would involve …

• A detailed study of your goals

• Preparation of a comprehensive Financial Plan

• Monitoring of the Financial Plan on an on-going basis

Financial planning is not about one time asset allocation: it is an ongoing process that requires taking a view of your all your financial transactions and situation. It takes a holistic look at your finances currently: it takes into account your incomes and expenses as also your starting net worth. It then projects your financial situation going forward and helps you make financially prudent decisions on the way!

Why Clients do not plan?
THERE ARE MANY REASONS why clients may not undertake financial planning on their own, including the following:

• Thinking they have insufficient assets or income to warrant planning

• Assuming their financial situation is in good order

• Putting off what is complex and worrisome

• Not wanting to consider unpleasant events, such as death, disability, unemployment or property loss

• Thinking Financial Planning is expensive

ALL these Assumptions are FALSE. Of course, failing to plan also COSTS Money.

Consequences of Not Planning include the following:
• Inadequate Protection against personal catastrophes such as death, accident, serious illness or other major negative events

• To little money set aside for retirement

• Not reaching Financial goals in life

• Higher than necessary income taxation

The Financial Planning Process
Primarily, we will understand the following.
• Your current financial profile

• Projections of income streams over time

• Projections of regular expenses over time

• Major financial milestones

• Retirement aspirations

• Your current risk appetite and risk taking ability

Once these inputs are collected from you, our planner will process the same using our financial planning tool. When our planner meets you again you will see a basic version of the financial plan for you.

However, most of the recommendations above are to be taken as the starting point of a discussion between the planner and you. The discussion is intended to evolve a much more informed financial plan for you.

At the end of the process, you will have a detailed financial plan, a set of specific action items for you to act upon and some issues for you to consider in the medium term.

Why T R Capital ?
We pride ourselves on bringing in an objective viewpoint backed by solid research to plan your finances optimally. The best financial plan is one that’s specifically designed to help you manage issues like cash flow, retirement income, tax strategies and business succession planning. This kind of planning doesn’t happen in a vacuum. One-size-fits-all approaches can’t provide the kind of personalized strategies you deserve.

A financial plan that’s personally focused is the best way we know to help you navigate an environment that’s increasingly complex and chaotic. And the quality of your financial plan depends upon the quality of your relationship with your advisor.

By devoting enough time to get to know you, by listening closely when you articulate your goals, your Raymond James advisor can understand your aspirations, determine your tolerance for risk and assess the complexities that affect your finances. Only then will your advisor review your assets, liabilities and income and begin to tailor your customized plan. Personal attention is our commitment to your success.

we use a variety of tools including questionnaires and interviews to understand your personal goals, current financial situation, and investment experience and risk tolerance. In this step, we make you fully aware of our capabilities and provide educational support to assist our clients in understanding the scope of services we offer to help you meet your objectives.
Our team analyzes the information you share with us and designs solutions intended to help you reach your objectives. This step may involve collaboration with other specialists or your existing professionals. We present our recommendations to you, answer your questions, consider alternatives and outline the steps we need to take to implement your plan.
In this step, we execute your customized strategy using the extensive tools available to us through Raymond James. This involves the selection of specific account types, investment products and optional services; we then complete the necessary paperwork in a coordinated approach.
Once implemented, we continually monitor the progress of our recommendations relative to your defined objectives and suggest changes where needed. A key to this step is your involvement in the process and communication of any significant changes in your life. We accomplish this by providing ongoing reporting of your account activity and by conducting periodic reviews.
For more information or any other assistance,
please contact us. We will be happy to help you.
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SEBI Registration numbers:
NSE Cash Market: INB231190530, F&O: INF231190530
BSE Cash Market: INB011190536, F&O: INF011190536
CDSL DP: IN-DP-CSDL-277-2004
Compliance officer for NSE and BSE: Aashish Aggarwal. Ph: 9812452905
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TR Capital Limited
CIN: U67120HR1995PLC032587
Registered Office
: 1st Floor, Ravee Arcade, 95-97 Green Square Market, Hisar, Haryana – 125001.
Ph: Trading: 01662-231084, 229314, 227938, 231049, DP: 01662-235514, 234630
E-Mail:, Investor Grievance: