You can open a managed account at Aduna Capital with no minimum balance and keep it going with a $50 monthly deposit. You get the same thing larger clients get — a discretionary portfolio, a written plan, a fiduciary who answers the phone, in English or Spanish — because there are no tiers here. The fee is 1.5%–2.0% of assets per year.
Who this is for
People at the beginning: the first job with real income, the first money that isn't already spoken for, the resolve to finally start after years of meaning to. Also people who aren't small at all but were treated as if they were — turned away by a minimum somewhere else. If what you need first is the broader on-ramp — debt order, 401(k) forms, family conversations — start at first-generation wealth; this page is the account itself.
What happens, step by step
- Talk first. Fifteen free minutes with Alfonso. If a robo-adviser or your employer plan is genuinely the better fit at your stage, we say so and you've lost nothing.
- Agree the plan. What the money is for, the timeline, and the target mix — in writing, in plain language, before anything is invested.
- Open and automate. The account opens at an independent custodian an independent custodian — Altruist, Betterment or Interactive Brokers — in your name, with an automatic $50-or-more monthly transfer, because automation beats willpower.
- We manage it. Deposits get invested, the portfolio gets rebalanced, and you get statements that show the fee in dollars. How discretionary management works →
- Grow the habit. Reviews as life changes; raises can raise the deposit; the account stops being symbolic surprisingly fast.
What it costs — with the trade-off stated
Our investment-management fee is up to 2.00% of the assets we manage per year, subject to negotiation, generally billed quarterly in arrears and disclosed in writing before we begin. The firm may waive all or part of its fee. Brokerage, transaction, fund and ETF expenses may apply separately. The complete published schedule → Full candour: up to 2.00% is a higher percentage than a robo-adviser charges, and on a small balance the difference is a few dollars a month. What it buys is a human fiduciary who knows you. The complete arithmetic →
What this does not include
- No starter tier. There is no junior adviser and no lite version — which is the whole point, and the reason this page exists.
- No guarantee of growth. Markets fall as well as rise; the $600-a-year habit is certain, the returns on it are not.
- No trading app. This is a managed account, not a platform for picking stocks yourself.
Common questions
Is there really no minimum?
None to open. After that we ask for $50 a month. There is no starter tier and no junior adviser — the same service at the same published fee.
What's the trade-off?
On a small balance the percentage fee is a small dollar amount, but the $600-a-year deposit habit is what does the work in the early years. Markets fall as well as rise; the habit is certain, the returns on it are not.
What does it cost?
Our fee is 1.5%–2.0% of the assets we manage per year, billed quarterly and itemised on your statement. There is no minimum to open an account and a $50 monthly deposit minimum after that. We take no commissions and no payments from any fund company or platform. The published schedule →
Start with what you have
If it's $50 a month, that's enough. Fifteen minutes, free, English or Spanish, evenings by video.