TABR Capital Management, LLC - Financial Planners, Investment Advisors, Portfolio Managers, Orange County, CA.

<body> TABR Capital Management, LLC, Orange,CA<p> TABR Capital Management is your professional partner for managing your financial affairs. Because we are totally independent – not affiliated with any other firm and therefore not receiving compensation from the sale of any financial products – you get unbiased, customized financial blueprints specifically designed to turn your dreams into reality. Since risk is an unavoidable element of any investment, risk management is at the core of the firm's values and investment approach. You can trust us because of our wealth of experience. Only after we understand your needs, goals and risk tolerance, do we take action on your behalf. We manage over $150 million of personal and client capital on a discretionary basis, using the same tried and true investment strategies for clients as we use for our own personal investments. We are located in Orange County, CA TABR Capital Management, LLC is an SEC Registered Investment Advisor. If you would like more information about our services, please contact us. Robert (Bob) Kargenian founded TABR Capital Management, LLC in January 2004. Bob has been a Chartered Market Technician and Professional Member of the Market Technicians Association since 1989. He holds a Bachelor of Arts degree in Sports Administration from California State University, Fullerton. Prior to founding TABR, Bob was employed at Prudential Securities, Wachovia Securities and E.F. Hutton & Company. Before entering the financial services industry, Bob served as Assistant Director of Public Relations for the California Angels. His stock market research has appeared in Technical Analysis of Stocks & Commodities as well as in a special report published by Gerald Appel of Signalert Corporation. Bob is a member of the Paladin Registry, an independent resource for fiduciary investment professionals. He and his wife, Michelle, live with their son and daughter in Yorba Linda, California. Co-founder Steve Medland holds an MBA in Finance from the Wharton School at the University of Pennsylvania, and a Bachelor of Science degree in Marine Engineering Systems from the United States Merchant Marine Academy at Kings Point, New York. Steve is a CERTIFIED FINANCIAL PLANNERTM professional. Prior to joining TABR, Steve served as a submarine officer and nuclear engineer in the United States Navy. He subsequently served as Department Head of Navy Officer Programs from 1997 to 2000, and he currently holds the rank of lieutenant commander in the United States Naval Reserve. After graduating from Wharton in 2002 and prior to co-founding TABR Capital Management, he was a Financial Associate at Prudential Securities/Wachovia Securities. Steve is a member of the National Association of Personal Financial Advisors (NAPFA), the Financial Planning Association® (FPA®), and the Paladin Registry, an independent resource for fiduciary investment professionals. He and his wife, Kim, live with their daughter in Irvine, California. Our approach to the markets can be summed up in three words: Disciplined Risk Management. In fact, TABR is an acronym for "Technical Analysis Based Risk-Management." We believe that avoiding significant losses is as important to investment success and financial security as is generating big returns. Though risk in the financial markets cannot be avoided, it can be managed wisely. One of our primary goals is to help you manage your downside risk. We know that the pain from a loss is sometimes greater than the pleasure provided by a commensurate gain. Whether you are 35 or 65 years old, emotions can be the investor's worst enemy, for individuals and professionals alike. This is where our disciplined, unemotional and systematic approach serves you so well. We use quantitative and technical models that have been tested over many years to guide our asset commitment decisions. The TABR approach is rooted in the fact that no one can consistently predict future market returns, nor is it necessary to do so to achieve financial security. Asset returns in all markets are cyclical, and are determined by a variety of factors. The "buy and hold" approach advocated by a majority of investment advisors only works in the rear view mirror. Our view is that buying and holding does not work for real people with real money and real emotions. In all our years of working with clients, not one has ever said that he or she can comfortably withstand a 45 percent drop in the stock market, something that has occurred twice since 1974. Our research demonstrates that some environments are particularly hostile to stocks and other asset classes, while others have been historically friendly. The reality is that TABR Capital cannot avoid risk and we certainly cannot guarantee performance, but we utilize our models in an attempt to minimize the downside during particularly unfriendly market environments. We have learned from the history of market cycles and investor behavior that you must stick to your investment philosophy, even when doubts arise. What accounts for most investors’ mistakes? Pure and simple, it is relying on emotions and not data. Data and the discipline to stay the course are absolute requirements for achieving success in the stock market. The power of bonds to smooth stock market risk over time is often lost on investors. Stocks' inherent volatility doesn't really bother most investors – as long as prices go up. But sharp market downturns are a painful reminder that stocks often follow a rocky trail. This is why we feel that risk management is so critical in one's investment plan – it allows investors to stick with the plan, even when their emotions would lead them to do otherwise. Our mission is to help you successfully reach your financial and life goals. At TABR, we invest and manage your money as we do our own. So when we say that your success is our success, we truly mean it in the most fundamental way. The first step in the investment process is determining the appropriate allocation for your assets. As a discretionary money manager, we establish an initial allocation based on your risk tolerance, whether conservative, moderate or aggressive. There is no right or wrong answer to risk tolerance – it is simply an expression of how comfortable you are with risk. We can help you understand risk and arrive at an investment strategy that is tailored to your needs, goals and objectives. As a further discipline to avoid over concentration in a particular asset class, when an allocation moves more than 5 percent away from its initial benchmark, we will rebalance the portfolio back to the original benchmark. For example, a Conservative portfolio would normally start with 60 percent fixed income and 40 percent equities. Due to performance, fixed income drops to 54 percent and equities increase to 46 percent. We would then move the account back to its original 60/40 mix. TABR Capital's bond market strategy involves using a combination of short term/intermediate term bond funds with high yield corporate bond funds, and then over- and under-weighting each category depending upon the position of our risk management models. Our core bond position is based on long term relative strength research. In addition, we may use individual government agency bonds in certain portfolios to lock in certain yields with a portion of the fixed income allocation. <table> <a href="whatwedo.asp?SPID=76597&OrgID=2366">Who We Are</a> <a href="whatwedo.asp?SPID=76609&OrgID=2366">- Affiliations</a> <a href="whatwedo.asp?SPID=76598&OrgID=2366">Philosophy</a> <a href="whatwedo.asp?SPID=76599&OrgID=2366">Services</a> <a href="whatwedo.asp?SPID=76600&OrgID=2366">Our Process</a> <a href="whatwedo.asp?SPID=76601&OrgID=2366">Why Choose Us</a> <a href="whatwedo.asp?SPID=76602&OrgID=2366">Become A Client</a> <a href="Upload.asp?SPID=76647&OrgID=2366">Client Forms</a> <a href="whatwedo.asp?SPID=76603&OrgID=2366">In The News</a> <a href="whatwedo.asp?SPID=82554&OrgID=2366">Good Life Tips</a> <a href="whatwedo.asp?SPID=76604&OrgID=2366">Resources</a> <a href="whatwedo.asp?SPID=76615&OrgID=2366">Monthly Updates</a> <a href="whatwedo.asp?SPID=76614&OrgID=2366">Web Links</a> <a href="whatwedo.asp?SPID=76613&OrgID=2366">Newsletters</a> <a href="whatwedo.asp?SPID=76990&OrgID=2366">Client Log In</a> <a href="tell_friend_mess.asp?SPID=76645&OrgID=2366">Tell A Friend</a> <a href="contactus3.asp?SPID=76610&OrgID=2366">Contact Us</a> <a href="home_blank.asp?SPID=75980&OrgID=2366">Home</a> </table> </body>