Aduna Capital provides discretionary investment management, retirement and financial planning, 401(k) rollover guidance, and retirement plans for California businesses — including named 3(38)/3(21) fiduciary service. The investment-management fee is up to 2.00% of assets per year, subject to negotiation, with no minimum account balance.
For individuals and families
Discretionary investment management
A managed portfolio built around your actual life, with a fiduciary making the day-to-day decisions.
Retirement planning
When you can stop, what you can spend, and what to do in what order to get there.
401(k) rollover guidance
Leave it, roll it, or cash it out — decided on the numbers, not on what pays an adviser.
Financial planning
The full picture: cash flow, debt, insurance gaps, taxes, goals — organised into a plan you can follow.
Investment management with no account minimum
The same fiduciary standard applies without a minimum account balance.
Building first-generation wealth
For families doing this for the first time — bilingual, judgment-free, from the beginning.
For business owners and plan sponsors
Retirement plans for CA businesses
CalSavers or a 401(k)? Plan design, provider selection and setup, with the arithmetic shown.
3(38) & 3(21) plan fiduciary service
We take on the investment-selection liability your recordkeeper won't.
Specialised work inside managed accounts
Tax-loss harvesting
Using down markets deliberately — where it applies and where it doesn't.
Trust & estate accounts
Managing accounts owned by trusts, and helping families through transitions.
Our fees, published
No competing advisor page in this area publishes its fees. Here are ours.
| What | Fee |
|---|---|
| Investment management | 1.5% to 2.0% of assets 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. Generally billed quarterly in arrears |
| Account minimum | No minimum account balance |
| Commissions and product fees | None — we are fee-only |
| Solicitor compensation | May be received or paid under disclosed arrangements |
| Initial conversation | Free, 15 minutes, no obligation |
Complete fee details in our Form ADV Part 2A, Item 5.
Not sure which of these you need?
That's normal — most people arrive with a situation, not a service name. Fifteen minutes, free, either language, and we'll tell you which page above actually applies to you.