Eclectic Associates, Inc. is a registered investment advisor headquartered in Fullerton, California, managing investment portfolios and providing comprehensive financial planning for individuals, high-net-worth individuals, trusts, estates, and retirement plan participants. The firm focuses on building diversified portfolios primarily using mutual funds and exchange-traded funds, tailored to each client's unique goals, risk tolerance, and tax situation. Eclectic Associates incorporates financial planning—covering retirement planning, education funding, insurance issues, estate planning, and investment diversification—directly into its investment management services without an extra planning fee. The firm also charges a one-time setup fee for new accounts and offers project-based financial consulting on an hourly or fixed-fee basis. Eclectic Associates emphasizes a long-term, disciplined approach to wealth management, using Modern Portfolio Theory and regular portfolio rebalancing, while requiring clients to hold accounts with Charles Schwab & Co.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $3.0M | 0.75% |
| $3.0M - $5.0M | 0.50% |
| $5M+ | 0.35% |
Subsequent years' fees for individual fixed-income investments and illiquid investments held to maturity are 0.35%. Fees are negotiable in certain situations.
