Roth conversions can save you thousands, but only if done right. Discover seven costly pitfalls to avoid before making your next conversion.

From AI's economic impact to bond yields and ETFs, here are 6 investing trends Eclectic Associates is watching in 2026.

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.

Scammers are using remote access tools (RATs) to take control of devices and access financial accounts. Learn the red flags and steps to reduce risk.

Is OC’s housing market crashing? We share insights on current prices, 50-year loans, Prop. 19, and smart buyer strategies.

Looking to maximize retirement flexibility? Understand how Roth IRAs work, who can contribute, and how conversions or backdoor strategies may fit your plan.

New IRMAA thresholds could raise your 2026 Medicare premiums. Find out how income impacts your costs and the steps you can take to manage them.

DROP lets you boost retirement savings without leaving your job. Learn how it works and what to watch for when it’s time to cash out.

From social media pump-and-dump schemes to phony bank texts, financial fraud is evolving. Here’s what to watch for and how to stay safe.

Strong Q3 gains came with puzzling economic signals. Learn why contradictions are common and why we believe a disciplined approach works best.

The One Big Beautiful Bill Act affects charitable giving. Discover ways itemizers can maximize impact with DAFs and QCDs.

Explore the key One Big Beautiful Bill Act (OBBBA) tax changes most likely to affect you now.

In this updated blog, learn the complex IRS rules for "inherited inherited IRAs" in 2025, including RMDs and the 10-year rule for successor beneficiaries.

Large cap U.S. stocks had an outstanding quarter with the S&P 500 up 11% driven by strong corporate earnings and optimism about tax cuts.

As we celebrate 40 years of serving our clients this year, we reflect on all the ups and downs we have experienced in the financial markets since Eclectic Associates was founded in 1984. While the world around us has evolved, our investment philosophy has remained consistent.

Have you seen advertisements for title lock insurance and felt scared about having your home title stolen? We have had clients ask us about whether they should purchase title lock insurance and where one might purchase it.

At Eclectic, we focus on the long-term and not the short-term. We think it is impossible to predict the future. We value diversification.

Stocks ended the quarter at a new high, with the S&P 500 up 6%, led by dividend payers and utilities while tech stocks cooled off.

We want to make sure the new federal Beneficial Ownership Information (BOI) report to FinCEN is on your radar, if you are required to complete it.

Our founder, Bill Camp, originally was a farmer in the Central Valley of California before he changed careers and started Eclectic Associates. Farming is not easy: the days are long, it takes a lot of hard work, a crop is often totally dependent on the timing of rain, and sometimes the difference between success and failure is a narrow margin. Farming also teaches you things, whether you want to learn or not. 

The vast majority of retirees say that they would like to stay in their own home for the duration of their retirement.  This is often called “aging in place”.  But for many people, there comes a point where they need to make hard decisions about their living situation and the future.  

“Being fee-only planners, we believe we offer our clients objective advice. We never receive commissions on anything we recommend.”

-Letter to a potential client from Bill Camp, December 1985