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Norwalk, California · Fee-only fiduciary

Fee-only investing and retirement planning from Norwalk, for clients anywhere in the U.S., with no account minimum.

Aduna Capital is a fee-only fiduciary investment adviser in Norwalk, California, serving individuals, families and business owners across Los Angeles and Orange County in person and by video, and able to work with clients anywhere in the United States — investment accounts from $0, retirement planning, and the retirement plans California now requires employers to offer.

Accounts from $0. Our standard schedule is 1.5%–2.0% of the assets we manage per year; whatever applies to you is set in writing before you engage. See how we’re paid

Book a 30-minute intro call No obligation.

Where are you right now?

One click to the page that actually answers it. No form, no email, no call required.

I left a job and my 401(k) is still there The rollover guide — including when leaving it alone is the right answer. I have money in savings doing nothing What we’d actually do with it, and what it costs. I want to know if I’m on track to retire Run it yourself. Every assumption is printed on screen. I’m self-employed and want to save more Solo 401(k), SEP or SIMPLE — on your own income, side by side. I have employees and got a CalSavers notice Where you stand, what the penalty is, and the alternative. I have a CalPERS, CalSTRS or county pension Seven California systems, each with its own guide. I’m starting from nothing Why we open accounts at $0, and what $50 a month buys. I’m already retired and taking withdrawals Required minimum distributions, on your own balance and age. I just want to know what you charge The full schedule, plus a calculator that gives you the dollar figure.

Aduna Capital vs. typical firms

 Aduna CapitalTypical firms
Legal duty to youFiduciary, alwaysMany firms act as a fiduciary on some accounts and as a broker on others.
How the firm is paidFee only, paid only by clients. No commissions.Often a mix of advisory fees, commissions and product payments.
Account minimum$0. No account minimum; $50 a month after that.Many firms require a minimum account size before they will manage your money.
Fee schedulePublished: 1.5%–2.0% of assets per year, with a fee calculator.Often shared only after a meeting.
Who you work withOne adviser for every client: the firm’s registered adviser.Often a team or service center.
Products of its ownNone sold.Some firms offer their own funds or insurance products.
LanguageEnglish and Spanish, natively.Spanish-language advice is often limited.

A general comparison of common industry practices, not a description of any particular firm. Fees, minimums and services vary by firm, and lower fees or different services may be available elsewhere. Compare any adviser’s Form ADV Part 2A, including ours.

For individuals

A 401(k) from a job you left, an IRA you opened once, a paycheck that could do more — and no one looking at the whole picture, because many firms require a minimum account size first. We open accounts at $0, manage the money for a disclosed fee, and help with the decisions that only come up a few times: the rollover, the Roth conversion, the day you claim Social Security.

Book an intro call See how we're paid

For families

Two incomes, a mortgage, children, a pension on one side and a 403(b) on the other — and advice written for one salary and one 401(k). We plan around the household you actually have: CalPERS or CalSTRS if one of you is in it, self-employment income if one of you has it, the first-generation questions no brochure covers. In English or Spanish, whichever is easier.

Book an intro call Retirement planning

For business owners

California now requires every employer with one or more employees to offer a retirement plan, and the deadline has passed. We compare CalSavers against a plan of your own on your real headcount, set up the right one, and can serve as its investment fiduciary so you are not. Your own retirement — as an owner, an S-corp or a sole proprietor — gets planned alongside it.

See where you stand on CalSavers Book an intro call

Why people call us

$0
Minimum to open an account. $50 a month thereafter.
Aduna Capital fee schedule
15
Calculators, every assumption printed on screen.
See the calculators
1
Adviser. Every client works directly with the firm's registered adviser.
No call center

Why families call us

2
Languages. Advice in English and Spanish, natively, not through a translator.
Aduna Capital
7
California pension systems we publish guides for.
CalPERS, CalSTRS, LACERA, LACERS, LAFPP, OCERS, UCRP
$0
Minimum to open. The same for a household starting from scratch as for one that isn't.
Aduna Capital fee schedule

Why employers call us

$750
CalSavers penalty per eligible employee in the first cycle for employers who do nothing — then $500 per employee each year until compliance.
Cal. Gov. Code § 100033(b); Franchise Tax Board
$5,000
Maximum annual startup credit for a new plan, three years running.
IRC § 45E, SECURE 2.0
3(38)
Investment-manager role available, taking most of the investment-selection liability off your desk.
ERISA § 3(38)
The CalSavers deadline has passed for every employer with one or more employees. Penalties start at $250 per eligible employee. Cal. Gov. Code § 100033(b)(2) See whether you're exposed →

Can we work with you?

Worth knowing before you spend thirty minutes on a call. Most advisers bury this.

  • You live in Los Angeles or Orange County. We are based in Norwalk and meet in person at our office or at your business, or by video.
  • You live anywhere else in the United States. We can work with you too, by video. We are registered in California. Under the federal de minimis rule (Investment Advisers Act § 222(d)), a state generally cannot require us to register there as long as we have no office in that state and have had fewer than six clients there in the past 12 months. Before taking on a sixth client in a state, we register or notice-file there. A few states ask for a notice filing sooner, and we handle that.
  • Any amount, including none yet. No account minimum. $50 a month after that. A household starting from zero gets the same adviser as one that isn’t.
  • English or Spanish. Natively, in either — not a translated brochure and not a different person for the Spanish call.
  • You want to keep managing it yourself. Then use the calculators, take what is useful, and never call us. There is no sign-up.
  • You live in Canada — ask first. We are not generally available to Canadian residents. We can work only with Canadians who qualify as permitted clients under the international adviser exemption (NI 31-103, section 8.26) — for an individual, generally someone with more than C$5 million in financial assets — so a typical household in Canada is not eligible.
  • You want someone to beat the market. We do not sell that, because nobody can reliably deliver it. If that is what you are shopping for, we are the wrong firm and we would rather say so now.

Aduna Capital LLC may transact business only in states where it is registered, notice-filed, or exempt from registration.

Everything we do

Managed accounts with no minimum, for a fee you can read.

Investment managementDiscretionary management of a diversified portfolio, rebalanced and reported. Start with no minimumOpen at $0, add $50 a month. What the first years look like. 401(k) rolloversLeave it, roll it, or cash it out — and the four mistakes that cost the most. Tax-loss harvestingWhen it helps, when it doesn't, and what the wash-sale rule does to it. Trust & estate accountsAccounts held in a trust, and what changes when the grantor dies. How we are paid1.5%–2% of assets per year, billed quarterly, disclosed first.

The decisions that only come up a few times, made with the arithmetic on screen.

Retirement planningWhen you can stop, what it costs, and what the pension changes. Financial planningYour goals, cash needs and risk tolerance shape how we manage your investments. First-generation wealthBuilding it without a family playbook, and the traps that catch people who are. Roth conversion estimatorConvert or don't, compared after tax at your rates. Social Security breakevenClaim at 62 or 70: where the cumulative totals cross on your PIA. RMD estimatorThis year's required distribution from the IRS table, and the penalty for missing it.

CalSavers, or a plan of your own — decided on your numbers, then run for you.

CalSavers: what every employer must doThe mandate, the deadlines, the penalties, and the exemption. CalSavers vs a 401(k)Compared honestly, on cost, on what the owner can save, and on who carries the liability. Retirement plans for businessesInvestment management for your company's retirement plan, as a 3(21) adviser or 3(38) investment manager. 3(38) & 3(21) plan fiduciaryWho decides the lineup, who carries the liability, and which role fits your plan. SECURE 2.0 tax creditsUp to $5,000 a year for three years, plus $500 for auto-enrolment. Self-employed plan chooserSolo 401(k), SEP, SIMPLE or IRA — the 2026 ceilings on your income.

A guide for each California system: tiers, survivor elections, and how it fits with everything else you own.

CalPERSClassic vs PEPRA, the benefit factor, and what overtime doesn't count. CalSTRSThe Defined Benefit program, the age factor, and the 403(b) beside it. LACERALos Angeles County: plans A through G, and the reciprocity question. OCERSOrange County: legacy tiers, the safety plans, and the purchase menu. 403(b) plansThe school-district and hospital plan, its vendor list, and its fees. 457(b) plansThe public-employee deferral with no early-withdrawal penalty.

Written by the adviser, with the source under every figure.

Education hubGuides on rollovers, Roth, Social Security, fees, and the rules that changed. GlossaryNinety-seven terms, each defined in plain language with the law it comes from. CompareFee-only vs fee-based, Roth vs traditional, 401(k) vs 403(b) vs 457(b) — sixteen side-by-side pages. Who we serveSeventeen kinds of work, what is financially different about each, and a county edition for every one. By industryRetirement plans and owner income for thirty-two California industries. En españolEducación financiera, escrita en español, no traducida.

What it costs, before you call

Our standard schedule is 1.5%–2.0% of the assets we manage per year. Advisers may set a rate below the standard schedule, as low as 0%, at their discretion — and whatever rate applies to you is disclosed in writing before you engage. Our Form ADV Part 2A, Item 5, states the fee as up to 2.00% of assets per year, subject to negotiation; the firm may waive all or part of it. Whatever applies to you is set in writing before you engage. Almost no firm in this area publishes that at all. Move the slider and see your own dollar figure.

What would we charge you?

401(k) rollover, IRA, brokerage — whatever you’d move over.
Standard schedule 1.5%–2.0%; Advisers may set a rate below the standard schedule, as low as 0%, at their discretion — and whatever rate applies to you is disclosed in writing before you engage. Our Form ADV Part 2A, Item 5, states the fee as up to 2.00% of assets per year, subject to negotiation; the firm may waive all or part of it.

What you would pay us

—
This month—
This year—

The full schedule, and what the fee costs over 20 years →

Try the arithmetic yourself

Fifteen calculators, every assumption printed on screen, nothing behind a sign-up. The figures below are the illustrations each tool opens with — change any number and it recomputes.

$109,340
What a 1% fee costs over 30 years$500 a month at 7%: the gap a 1% annual fee opens against the same money with no fee.
$161 / paycheck
What a 6% 401(k) contribution really costsOn $85,000: $196 goes in each paycheck, take-home falls by only $161.
Age 80 and 4 months
When claiming at 70 overtakes claiming at 62On a $2,000 PIA and a full retirement age of 67, the cumulative totals cross here.
$119,686
Two fees, 25 years, same contributions$100,000 plus $6,000 a year at 7% gross: what 1% keeps versus 0.25%.

All fifteen calculators →

What you do changes what your money needs

Most advice is written for someone with a salary, a 401(k) and a steady month. If that is not you, the standard advice quietly does not apply. We publish a guide for each of seventeen kinds of work — what is financially different about it, and what we do about that.

All seventeen, with a county edition each →

Where we work

a principal office at 12838 Rosecrans Avenue in Norwalk. We meet clients there, at their business, or on a call, across Los Angeles and Orange County — and we say how far each city is from us rather than pretending to be in all of them.

All ninety cities, with the distance to each →

Everything California does differently with your money — capital gains, 529 conformity, Prop 19, community property, the WEP repeal — in one table with a source for each →

New research: what a median household in each of eighty-nine of them needs saved to retire — method, full table, free to cite →

Who we are

Alfonso Aduna

CEO & Co-Founder. The firm's registered adviser — every client works directly with him.

Joaquin Aduna

Chief Marketing Officer. Makes complicated regulatory subjects legible in two languages.

The firm

Why Aduna Capital exists, and what fee-only fiduciary actually means in practice.

Founded in Norwalk in 2020 · more than sixty years of combined experience in financial services · an MBA or higher held by every member of the team · the markets followed, and the data read, every day.

Common questions

What does fee-only mean?

We are paid only by our clients, as a percentage of the assets we manage, disclosed in writing before you engage. No commissions, no product fees, nothing from a fund company or an insurer. The full schedule is published.

Is there a minimum?

No. Accounts open at $0 and we ask for $50 a month after that. Many firms require a minimum account size; here is why we don't.

Do you handle CalSavers, or are you CalSavers?

Neither is quite right. CalSavers is the state's program; we are an independent adviser that is not affiliated with it. We help California employers decide between CalSavers and a plan of their own, and if a plan is the answer we set it up and run it. Start here.

Who is Aduna Capital registered with?

The California Department of Financial Protection and Innovation, CRD #311270. You can read our record at adviserinfo.sec.gov and our Form ADV here.

Information on this page is educational and general; it is not individualised investment, legal or tax advice, and reading it does not create an advisory relationship. Advisory services are offered by Aduna Capital LLC, a California DFPI-registered investment adviser (CRD #311270). Calculator figures are illustrations at stated assumptions, not forecasts; returns are not guaranteed and investing involves risk, including loss of principal. Aduna Capital LLC is not affiliated with, endorsed by, or sponsored by CalSavers, the California State Treasurer's Office, CalPERS, CalSTRS, or any other retirement system, employer or school district named on this page.

Not sure where you fit?

A thirty-minute introductory call, no obligation. If we aren't the right firm for you we will say so.

Book an intro callSee how we're paid