Read the source documents. Website summaries are provided for convenience. The current filed Form ADV and delivered brochure control if a summary differs from the regulatory documents.
Acceptance
This website is operated by Aduna Capital LLC ("the firm"). By using it you accept these terms; if you do not accept them, please do not use the site.
Educational content — not advice
Everything on this site is general educational information. It is not investment, legal, tax or accounting advice, is not individualized to you, and is not an offer or solicitation to buy or sell any security or to provide advisory services in any jurisdiction where the firm is not registered or exempt. Rules, contribution limits, penalties and program details described on this site change; confirm current figures with the cited primary source before acting.
No advisory relationship via this website
Browsing this site, using its calculators, submitting a form, booking a call or exchanging emails does not create an advisory or fiduciary relationship with the firm. An advisory relationship is established only by a written agreement signed by both parties, after delivery of the firm's Form ADV disclosures. Until then, do not send us confidential or sensitive information, and nothing you send obligates the firm to act.
Calculators and tools
Any calculators on this site are illustrations. Results are estimates based only on what you enter and the assumptions shown, and do not account for your full situation. They are not recommendations.
Intellectual property
The content of this site — text, design, graphics and code — belongs to Aduna Capital LLC or its licensors and is protected by copyright and other laws. You may view, print and share pages for personal, non-commercial use with attribution. You may not republish, scrape at scale, or use the content to train commercial products without written permission. "Aduna Capital" and the firm's logo are marks of Aduna Capital LLC.
Third-party links
Links to government, regulatory and other third-party sites are provided for convenience and verification. The firm does not control and is not responsible for their content, and linking does not imply affiliation or endorsement in either direction.
Disclaimer of warranties; limitation of liability
The site is provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose. To the fullest extent permitted by law, the firm will not be liable for any indirect, incidental, consequential or special damages arising from use of, or inability to use, this site or its content. Nothing in these terms limits or waives any rights you have, or duties the firm owes, under applicable securities laws — including fiduciary duties owed to actual clients under an executed advisory agreement.
Governing law
These terms are governed by the laws of the State of California, without regard to conflict-of-laws principles, and any dispute arising from use of this website is subject to the exclusive jurisdiction of the state and federal courts located in Los Angeles County, California.
Changes
The firm may revise these terms at any time by updating this page; continued use after changes are posted constitutes acceptance. The current version is always at this address.