Aduna Capital is a fee-only fiduciary investment adviser serving Cerritos from our Norwalk office, 4 miles away. We advise the city's business owners — including its dense South Asian and Filipino business community — on retirement plans under the state mandate, ABC Unified educators on CalSTRS and 403(b) decisions, and families and professionals on investing with a published 1.5%–2.0% fee.
- Fee-onlyno commissions
- No account minimumfor investment management
- English & Spanishnatively
- Accepting new clientsIn person in Norwalk, by video, or at your Cerritos business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Cerritos, CA fiduciaries?
No — and in the highest-income city adjacent to Norwalk, the question matters more, not less. Larger portfolios attract more sales attention, and much of it comes from brokers and insurance agents who use the title "financial advisor" while being held only to a suitability standard. A fiduciary is legally bound to put your interests first, always, and to disclose every conflict.
Aduna Capital is a registered investment adviser and a fiduciary at all times — fee-only, with the fee schedule published below, which almost no advisory firm serving Cerritos does. Check our record at adviserinfo.sec.gov before you take our word for anything.
Who do we work with in Cerritos?
Cerritos is the wealthiest city bordering Norwalk — a median household income of $135,439 across roughly 47,500 residents — and its money looks different from its neighbours'. This is a city of professionals and business owners, with a large Asian-American community including a dense South Asian and Filipino business base, and a commercial anchor most cities would envy: the Cerritos Auto Square, one of the largest auto malls in the United States.
From Cerritos, three kinds of clients find us:
- Business owners and professionals. Dealership-adjacent businesses, medical and professional practices, and the family-owned firms of the city's South Asian and Filipino communities. Most are covered by the state retirement mandate, and for owners at Cerritos income levels the detail that decides everything is that CalSavers is a Roth IRA — income limits often bar the owner from contributing at all. CalSavers for Cerritos employers runs the numbers.
- ABC Unified educators. Cerritos sits in ABC Unified School District, so its teachers and administrators are CalSTRS members — with the usual staff-lounge 403(b) products that deserve a cost review, and survivor elections that cannot be undone.
- Auto Square earners. Sales and finance careers pay well but unevenly. Planning around commission income — how much to hold liquid, how much to invest, and how to smooth taxes — is a conversation most percentage-of-a-big-portfolio firms never bother to have.
A note on minimums: plenty of Cerritos households could clear any firm's minimum. We keep ours at $0 anyway, because the standard of care should not depend on the account size — and because your adult children starting out deserve the same fiduciary you get.
Cerritos employers and institutions we know
Auto Square & dealership businesses
Retirement plans built around commission-heavy payrolls, and the mandate arithmetic for the businesses that serve the mall.
ABC Unified staff
CalSTRS tiers, service credit purchases, and an honest read of what that staff-lounge 403(b) actually costs.
Family business owners
Owner-only and small-group plans for the city's professional and retail businesses — including when a Solo 401(k) or cash balance plan fits.
Career changers
401(k) rollovers handled by direct transfer, with the pro-rata and backdoor-Roth traps checked first.
Fifteen minutes, no cost, no obligation
Bring any other firm's proposal too — we will compare fee structures line by line, including where theirs wins.
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.
Where we meet Cerritos clients
We do not have an office in Cerritos, and we will not pretend otherwise with a map pin. our principal office is in Norwalk:
Aduna Capital LLC
12838 Rosecrans Ave, Norwalk, CA 90650
(657) 571-2607
From Cerritos the office is minutes up Pioneer Boulevard or the 605. That is roughly 4.0 miles from Cerritos. Clients either come to us — on Rosecrans between Pioneer and Studebaker, with parking on site — or we come to you, at your home or your place of business. Evening appointments are available for people who cannot get away during the working day.
Common questions from Cerritos
Your minimum is $0 — is the service actually built for larger portfolios?
Yes. The zero minimum is a policy about who deserves access, not a description of the typical account. Discretionary management, tax-loss harvesting and planning are the same discipline at every size, and our 1.5%–2.0% fee is published so you can compare it against anyone.
I own a business near the Auto Square. Does the retirement mandate apply to me?
Almost certainly — as of 2026 it reaches every California employer with one or more employees. You can register with CalSavers or sponsor your own plan and certify an exemption. At Cerritos income levels the owner frequently cannot contribute to CalSavers at all, which changes the arithmetic.
I teach in ABC Unified. Is my 403(b) any good?
Bring the statement and we will tell you — plainly, and at no charge. Many educator 403(b)s are annuity products with costs their owners have never seen written down. We are not affiliated with ABC Unified or CalSTRS.
My parents speak more comfortable Spanish — can family meetings be bilingual?
Yes. We regularly hold family meetings that move between English and Spanish, and our written materials exist originally in both languages.
Where would we actually meet?
our principal office is in Norwalk, about four miles away — or we come to your home or business in Cerritos. Evening appointments are available.