Aduna Capital is a fee-only fiduciary investment adviser serving Commerce from our Norwalk office, 9.7 miles away. We design retirement plans for Commerce's distribution and industrial employers under the CalSavers mandate, consolidate old 401(k)s for warehouse and retail workers, and open first accounts with no minimum — in English and Spanish.
- Fee-onlyno commissions
- No account minimumfor investment management
- English & Spanishnatively
- Accepting new clientsIn person in Norwalk, by video, or at your Commerce business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Commerce, CA fiduciaries?
No. In Commerce the question really has two audiences, because the city's jobs vastly outnumber its roughly 12,000 residents: the crews on distribution and rail-yard payrolls, and the owners who sign those payrolls. Both get pitched retirement products by salespeople whose legal obligation ends at "suitable" — a far weaker promise than the fiduciary duty to put your interests first at all times.
Aduna Capital carries that fiduciary duty always. We are a registered investment adviser and fee-only: clients pay us, and nobody else does — no fund company, no recordkeeper, no insurer. Our record is public at adviserinfo.sec.gov; check it, and check anyone else you interview the same way.
Who we work with in Commerce
Commerce is an employer city more than a residential one — the Citadel Outlets, the rail yards, and heavy distribution operations sit alongside a small resident base of about 12,145 people, a median household income of $77,064, and a 97.0% Hispanic or Latino population, one of the highest shares in the county. Even the Chamber of Commerce here is industrial-focused. So the work splits cleanly:
- Distribution and industrial employers. Warehouses and rail-adjacent operations with hourly, high-turnover payrolls now sit squarely inside the state retirement mandate. Plan design that survives turnover — eligibility rules, payroll integration, enrollment that works on a dock — is the conversation. CalSavers for Commerce employers is the place to start.
- Retail and outlet workers. Citadel Outlets and corridor retail staff with a 401(k) from one job, nothing from the next, and no one who has ever explained either. Consolidating old accounts by direct transfer is usually the first fix.
- Resident families building a first portfolio. In a community this heavily Spanish-speaking, we do first accounts, Roth IRAs and plain-language planning in either language — with $0 to open and $50 a month ongoing, because almost nobody here clears a big firm's minimum, and that is the big firms' failure, not yours.
The Commerce employer picture we know
Warehouse & distribution operators
Mandate deadlines, the $750-per-employee penalty, and plan design built for shift payrolls and turnover.
Industrial small employers
When a simple 401(k) with SECURE 2.0 startup credits beats the state program — run for your census, not a brochure's.
Job changers with old plans
Direct-transfer rollovers that avoid the 20% withholding trap, and an honest read on whether to move the money at all.
Long-service workers nearing retirement
Turning decades of payroll savings into an income plan — pension, Social Security and accounts counted together.
Fifteen minutes, no cost, either language
Owner or employee, bring the statements you have. If we are not the right fit we will say so.
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 Commerce clients
We do not have an office in Commerce, 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 Commerce the office is a straight run down the 5 to Rosecrans. That is roughly 9.7 miles from Commerce. 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 Commerce
I run a warehouse operation in Commerce. Does the state mandate really apply to me?
Almost certainly — as of 2026 it reaches every California employer with one or more employees. You either register with CalSavers or sponsor a qualified plan and certify an exemption; ignoring it eventually costs up to $750 per eligible employee. Which route is cheaper depends on your payroll, and we run that comparison at no charge.
My crew is mostly Spanish-speaking. Will enrollment actually work?
Only if it happens in Spanish — a plan a crew cannot read produces opt-outs, not savings. We run enrollment meetings bilingually, on-site, on the shift schedule that actually exists.
¿Hablan español?
Sí — la llamada inicial, las reuniones y los documentos, todo puede ser en español. Vea nuestra página en español.
I have three old 401(k)s from different warehouse jobs. What should I do?
Bring the statements. Sometimes consolidating into an IRA is right; sometimes an old plan is cheap enough to leave alone. Either way, any move should be a direct transfer — never a cheque made out to you.
Do you work with employees, or just the companies?
Both, separately. We design plans for employers, and we advise individual workers and families with no account minimum. What we never do is take money from a plan provider to steer either one.