Aduna Capital has no minimum to open an account and a $50 monthly deposit minimum thereafter. The typical wealth manager in Los Angeles and Orange County requires $250,000 to $1 million. We priced the firm so that the first-generation saver and the small business owner get the same fiduciary standard as anyone else — because that's who this firm was built for.
What minimums actually do
An account minimum is a business decision dressed up as a service standard. Advisory revenue scales with assets, so small accounts earn firms little — and the industry's answer has been to refuse them, or worse, to hand them to a commissioned salesperson whose products pay regardless of account size. The people excluded aren't excluded because advice wouldn't help them. They're excluded because helping them pays less.
In a city like Norwalk — 70% Hispanic, median household income around $100,000, full of households building wealth for the first time — that exclusion has a compounding cost. The years when advice matters most are the early ones: the first 401(k) rollover handled right, the first brokerage account invested instead of parked, the high-fee product never bought.
Why $50 a month, and not zero-everything
The one thing we do ask is a $50 monthly deposit. That's deliberate. The evidence on wealth building is boring and unanimous: the habit of contributing beats the brilliance of any particular investment. $50 a month is the smallest amount that makes the habit real — and at $600 a year, growing, an account stops being symbolic.
The honest trade-offs
A fee page told you our percentage is higher than a robo-adviser's; this page owes you the same candour. A fee at the top of our range on a small account is a small dollar amount, but it is still a real percentage — on $6,000, about $10 a month. For some situations a target-date fund in an employer plan, or a robo-adviser at 0.25%, is genuinely the better answer, and when it is, we'll tell you and point you there. What the fee buys here is a human fiduciary who answers the phone, in your language, about your actual life — worth it for many people, not for everyone, and the choice should be yours with the numbers in front of you.
What no-minimum clients get
The same thing everyone gets — that's the point. Discretionary management, a real plan, Alfonso on the phone when something happens, tax-loss harvesting where it applies, and meetings in English or Spanish. There is no "starter tier" with a junior adviser, because there are no tiers.
Start with what you have
If it's $50 a month, that's enough. Fifteen minutes, no cost, either language.