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2026 Third Quarter Letter
After three quarters of 2026, markets remained resilient despite ongoing wars and
persistent inflation.
Don’t Leave Them Guessing! Important Documents for Your Family
If an emergency happened tomorrow, would your family know where to find the information they need to manage your affairs?
Takeaways From a Conversation With Collegewise Founder Kevin McMullin
Collegewise founder Kevin McMullin joined Eclectic Associates to discuss college admissions, rankings, early decision, and financial aid.
Which Retirement Plan Is Right for Your Business?
Comparing 401(k), SEP IRA, SIMPLE IRA, and defined benefit options can help you choose the retirement plan that fits your business and employees.
Better Than CDs? The Allure of MYGAs
MYGAs offer guaranteed rates that can beat CDs, but surrender charges, market value adjustments, and auto renewals can carry significant trade-offs.
2026 Second Quarter Letter
A recap of markets in the first half of 2026, covering stock and bond performance, inflation trends, AI spending, and why diversification still matters.
Invest Like Billy Beane: Pay Attention to the Right Things
What Billy Beane's Moneyball strategy can teach investors about ignoring market noise and focusing on allocation, fees, taxes, and discipline.
Step-Up in Basis: The Tax Case for Holding Appreciated Assets Until Death
We explain how the step-up in basis can reduce or eliminate capital gains taxes on inherited stocks, real estate, and business interests.
AI Voice Scams: How to Verify It’s Actually Family or Friends Calling
Scammers now use AI to mimic the voices of family and friends. Learn simple ways to verify whether a call is really from someone you know.
Stay the Course: Insights from the DFA Client Reception
DFA economist Apollo Lupescu joined Eclectic Associates to discuss AI, market valuations and why staying invested through uncertainty can help drive long-term success.
Don’t File It and Forget It: Tax Planning Starts Now
Tax planning starts with your Form 1040. We break down what to look for on last year's return to help find savings opportunities and avoid mistakes.
Net Unrealized Appreciation: When Company Stock in a 401(k) Gets Special Tax Treatment
If you own company stock in your 401(k), the net unrealized appreciation (NUA) strategy may reduce your tax bill. Here's how it works.
Think Twice Before Naming Your Trust as Beneficiary
We updated our guide on naming your trust as a retirement account beneficiary. Learn when it helps and when a simpler approach may serve you better.
Keep It or Toss It?
How long should you keep financial records and important documents? This article, updated for 2026, provides timelines for saving records, including what to keep forever.
2026 First Quarter Letter
We share our Q1 2026 investment perspective, including thoughts on market volatility, geopolitical risk, and why a disciplined long-term approach matters.
Multi-Generational Estate Planning Insights
Learn how multi-generational estate planning helps protect your family's legacy, reduce conflict, and ensure your wishes are honored across generations.
7 Roth Conversion Pitfalls
Roth conversions can save you thousands, but only if done right. Discover seven costly pitfalls to avoid before making your next conversion.
6 Investing Trends for 2026
From AI's economic impact to bond yields and ETFs, here are 6 investing trends Eclectic Associates is watching in 2026.
Trump Accounts Are Here, but Should They Replace Your Child's 529 Plan?
Free $1,000 for babies born 2025–2028? Here's what parents and grandparents need to know about the new Trump Account child savings program.
2025 Fourth Quarter Letter
A look back at 2025’s resilient markets, highlighting equity returns, global growth, valuation trends, and what today’s bond yields could mean going forward.