California 401(k) Compliance 2026 Explained
California now requires small businesses with 1–4 employees to register a retirement plan or enroll in CalSavers by December 31, 2025. Businesses with 5 or more employees should already have been compliant.
Compliance Requirements at a Glance
Penalties & Enforcement
If You Choose a Private 401(k)
Our Services
We offer a focused suite of wealth investment strategies designed to build, manage, and protect your wealth through every stage of life
This is our core competency. We work closely with you to design and manage powerful, diversified portfolios that aim for superior long-term growth. Through disciplined rebalancing, risk management, and market insight, we optimize your financial position and adapt as conditions change. Aduna Capital also provides tax-efficient algo placement across accounts and periodic portfolio health checks with scenario simulations.
We partner with companies to design and administer compliant, high-value 401(k) plans. Whether you're a small startup or a scaling firm, we provide solutions that align incentives and meet regulatory standards. Aduna Capital also provides ongoing fiduciary audit support and benchmarking.
A penny saved is more than a penny earned. We design and implement strategies—such as entity structuring, tax-loss harvesting, and IRA/Roth conversions —that minimize your burden so your returns compound more powerfully. This includes cross-account tax harmonization and advanced deferred strategies like donor-advised trusts or GRATs for legacy clients.
Your retirement is to enjoy. Engineered strategies to extend your capital—through yield, dividend income, and tax-aware withdrawals—so you can spend time with family, travel, or pursue passion without financial worry. We test withdrawal strategies and legacy planning strategies to safeguard your estate from the impact of taxes and sequence risk.
We provide end-to-end financial planning that aligns your money with your life. Think of it as a roadmap: tax strategy, cash flow planning, risk mitigation, and legacy building all coordinated and tuned toward your goals. We offer quarterly reviews to align with changing priorities, adaptive scenario modeling for life events, and market-based updates.
We support diversification by opening doors to alternatives: real estate, venture capital, crypto, and private equity. We also deliver access to exclusive private market deals (like SpaceX, Anduril, Ripple, Turo) often unreachable to retail investors. We deliver clear due diligence and smart liquidity pacing for efficient capital use.
Aduna Capital– Clarity in complexity
The media is full of noise—clients need trustworthy, non-political insight.
