SEC Filing Analysis: ECLECTIC ASSOCIATES INC /ADV

Executive Summary

• Trading Significance: Medium
• Key Takeaway: Eclectic Associates Inc. filed a 13F-HR for the quarter ending September 30, 2025, disclosing $544.68 million in managed assets across 123 positions. The portfolio shows a strong preference for diversified, low-cost ETFs, indicating a broad, strategic allocation rather than concentrated stock-picking.
• Market Impact: As a routine quarterly disclosure from a mid-sized advisory firm, the direct market impact is expected to be low. The filing is more useful for observing institutional trends and the firm's investment philosophy.

Filer Information

Field	Value
Filer Name	ECLECTIC ASSOCIATES INC /ADV
CIK	0000743482
Total Assets Reported	$544,675,818
Report Period	2025-09-30

Filing Details

Field	Value
Form Type	13F-HR (Institutional Holdings Report)
Filing Date	2025-10-09
Accession Number	0001085146-25-005874
Number of Holdings	123

Top Holdings Analysis

The portfolio is dominated by large exchange-traded funds (ETFs), with the top five holdings accounting for approximately 35% of the total reported value.

Issuer	Title	Value (USD)	Shares
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	$46,564,775	941,463
CAPITAL GROUP INTL FOCUS EQT	SHS CREATION UNI	$44,258,649	1,494,215
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	$40,917,330	189,616
CAPITAL GROUP GROWTH ETF	SHS CREATION UNI	$30,268,285	689,169
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	$28,021,154	607,571

Market Impact Analysis

Stock Impact Prediction

• Direction: Neutral
• Reasoning: 13F filings are backward-looking, reflecting positions held at the end of the previous quarter. They do not represent real-time trading activity and are generally not catalysts for significant price movement, especially for the large, liquid ETFs that dominate this portfolio.

Volume & Sentiment

• Expected Volume Impact: Minimal. The disclosure is unlikely to trigger significant trading volume in the underlying securities.
• Sentiment Indicator: Neutral. The filing confirms a continued strategy of broad diversification, which is standard for many investment advisors. It does not signal a strong bullish or bearish conviction on any single company.

Investment Insights

Strategic Observations

• Diversification Focus: The heavy allocation to broad-market and international ETFs from Vanguard, Capital Group, and Dimensional suggests a core strategy built on global diversification and passive or semi-passive management.
• Income and Growth: The presence of dividend appreciation (VIG), international, and growth ETFs indicates a balanced approach to capturing both income and long-term capital appreciation.
• Limited Single-Stock Risk: While the firm holds individual stocks like Apple, Microsoft, and Amazon, they represent a smaller portion of the overall portfolio compared to the large ETF positions, thereby limiting single-stock concentration risk.

Risk Factors

• Lagging Data: The primary limitation of a 13F is its timeliness. These holdings were as of September 30, 2025, and may not reflect the current portfolio.
• ETF Composition: The risk profile is tied to the broad markets represented by the ETFs. A downturn in international markets or U.S. dividend stocks would negatively impact the largest positions.

Key Takeaways

1. Substantial AUM: Eclectic Associates manages a significant portfolio of over half a billion dollars in reported assets.
2. ETF-Centric Strategy: The firm relies heavily on ETFs for asset allocation, a common strategy for achieving diversification for clients efficiently.
3. Global & Balanced Approach: The top holdings reveal a clear emphasis on international bonds, international equity, and U.S. dividend-paying stocks, pointing to a globally balanced mandate.

Contextual Analysis

Filing Significance

This 13F-HR filing is a mandatory quarterly report for institutional investment managers with over $100 million in qualifying assets under management. Its purpose is to increase transparency in the market by disclosing the long positions of large investors. For Eclectic Associates, it is a routine compliance filing.

Market Context

The filing provides a snapshot of institutional positioning at the end of the third quarter of 2025. Analysts can aggregate this data with filings from other institutions to gauge broader trends, such as shifts in allocation between U.S. and international markets or between growth and value styles.

---

IMPORTANT DISCLAIMER: This analysis is for informational purposes only and is not intended as investment advice. The information presented is based on publicly available SEC filings and should not be construed as a recommendation to buy, sell, or hold any securities. Past performance does not guarantee future results. All investments carry risk, including the potential loss of principal. Please consult with a qualified financial advisor before making any investment decisions.

Analysis generated on 2025-10-09 | Data source: SEC EDGAR