Every page is published under the name of the firm's registered adviser and reviewed by him before it goes live. Every statutory figure is taken from a primary source — an IRS notice, a section of the Code, an SSA publication, a pension system's own documents — and re-verified each January. The calculators run automated tests against hand-worked examples. Drafts are produced with AI writing tools; nothing is published without a person checking each figure and the adviser reading the page. The site carries no testimonials because California law forbids them for a state-registered adviser.
Who writes it
Pages carry a byline and a date. The byline is Alfonso Aduna, the firm's registered investment adviser representative, who reviews every page before publication and is responsible for it. The firm's marketing is run by Joaquin Aduna. No one outside the firm writes for the site and nothing here is sponsored, syndicated or paid for.
How AI is used, and why we say so
Drafts are produced with the help of AI writing tools, working from sources and instructions we supply. That is how five hundred pages exist. What the tools do not do is decide what is true: each figure is checked against its source by a person, each page is read by the adviser before it is published, and anything we could not confirm is marked on the page as an open item rather than guessed. We say this because it is true and because you should be able to know how the thing you are reading was made.
Where the numbers come from
- Contribution limits and tax figures: the IRS notice for the year (for 2026, Notice 2025-67), the Internal Revenue Code section cited beside the figure, IRS publications.
- Social Security: SSA publications and the annual contribution-and-benefit base.
- Pensions: each system's own publications — CalPERS, CalSTRS, LACERA, LACERS, LAFPP, OCERS, UCRP.
- CalSavers: the California Government Code (§ 100000 et seq.) and the program's own notices.
- Population, income and establishment counts: the American Community Survey, the California Department of Finance, and County Business Patterns.
- Our own fees and registration: Form ADV, published at Form ADV and on adviserinfo.sec.gov.
Where a figure sits on a page, its source sits with it. Where we have not yet confirmed something, the page shows an amber open-item marker in place of a number. We would rather show the gap than fill it.
How the calculators are checked
Each of the fifteen calculators is a pure calculation with the assumptions printed on screen. The calculation engines are tested automatically — more than a hundred tests, with expected values worked by hand from the statute or the IRS table, not copied from the calculator — and every change is compared against the previous version's output before it ships. The 2026 statutory constants inside them are asserted by the tests, so a wrong edit fails before it publishes. Calculators are illustrations at your assumptions, not forecasts, and each one says so.
Dates and updates
Every page shows a "last updated" date. It moves only when the content changes, not on a schedule and not to look fresh. Annually-indexed figures are re-verified each January; the pages that carry them are marked for that review.
What you will not find here
- Testimonials, ratings or reviews. California's advertising rule for state-registered investment advisers, 10 CCR § 260.235(a)(1), prohibits them outright. Do not read their absence as a lack of clients; read it as the law.
- Performance claims. No page says what a portfolio returned or will return.
- Individualised advice. Nothing here is written for your situation, and reading it does not make you a client.
- Advertising, affiliate links or product sales. The firm is fee-only. Nobody pays to be mentioned, and no link earns the firm anything.
Corrections
If a figure is wrong, tell us: (657) 571-2607 or the address on the contact page. Corrections are made on the page, the date moves, and material ones are noted at the foot of the page. support@adunacapital.com