Aduna Capital is a fee-only fiduciary investment adviser serving Cypress from our Norwalk office, 7.9 miles away. We advise the city's healthcare-administration and corporate professionals on 401(k)s and rollovers, design retirement plans for Cypress practices under the CalSavers mandate, and help Cypress College, city and county staff with CalSTRS, CalPERS and OCERS decisions — with a published 1.5%–2.0% fee and no account minimum.
- Fee-onlyno commissions
- No account minimumfor investment management
- English & Spanishnatively
- Accepting new clientsIn person in Norwalk, by video, or at your Cypress business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Cypress, CA fiduciaries?
No, and Cypress households should ask the question pointedly, because higher-income professional cities are where non-fiduciary sellers concentrate their effort. Corporate campuses and medical offices produce steady, insurable incomes — the favourite raw material of commissioned annuity and life-insurance "retirement plans." The fiduciary standard exists to shut that down: a fiduciary must place your interests above their own in every recommendation.
Aduna Capital carries that duty in everything we do. We are a registered investment adviser and fee-only: no commissions, no product revenue, no referral fees in either direction. Our registration is verifiable at adviserinfo.sec.gov.
Who do we work with in Cypress?
Cypress is one of the more affluent cities we serve — about 49,500 residents with a median household income of $129,028 — and its economy is unusually white-collar for its size, built on healthcare administration and medical-office employers, including the UnitedHealth and Siemens Medical office presence, alongside Cypress College. That mix shapes three recurring engagements:
- Corporate professionals. Healthcare-administration and medical-device careers come with 401(k)s, sometimes equity or bonus compensation, and job changes between employers. We review what the plan actually costs, coordinate it with everything outside it, and handle rollovers by direct transfer when careers move.
- Medical and professional practice owners. Cypress's practice base sits squarely in the state mandate's reach — and squarely where a safe-harbor 401(k) usually beats the state program once the owner's own contributions are counted. CalSavers for Cypress employers has the comparison.
- Cypress College and public staff. The college's academic employees are typically CalSTRS members while classified staff are in CalPERS; city employees are CalPERS, and County of Orange workers living in Cypress are in OCERS. We model each system's elections before they become permanent.
Cypress employers and institutions we know
Healthcare-admin & corporate staff
401(k) reviews, bonus and equity planning, and clean direct-transfer rollovers between employers.
Medical & professional practices
Practice plan design — safe harbor, eligibility, and the startup credits that often carry the first years.
Cypress College staff
CalSTRS for academic staff, CalPERS for classified — plus an honest costing of any 403(b) sold alongside.
City & county employees
CalPERS and OCERS members: formulas, service credit, and the survivor election you make exactly once.
Fifteen minutes, no cost, no obligation
Bring another firm's proposal if you have one — we 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 Cypress clients
We do not have an office in Cypress, 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
Valley View Street runs nearly door to door across the county line; the 605 to Rosecrans works from the west side. That is roughly 7.9 miles from Cypress. 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 Cypress
I have a 401(k) at a large healthcare company. Why would I need you?
Possibly you don't — and we will say so if that is true. What we typically add: reading the plan's actual costs, coordinating it with accounts outside it, planning bonus and equity income, and making sure a job change does not turn into a taxable mistake. The first look is free.
I own a practice in Cypress. Is CalSavers good enough?
It satisfies the mandate, but it is a Roth IRA underneath — contribution limits are low and income limits often exclude the owner entirely. Most practices at Cypress income levels do better sponsoring a 401(k) and certifying an exemption. We run your numbers both ways at no charge.
I teach at Cypress College. Who handles my pension?
Academic employees are generally CalSTRS members and classified staff CalPERS — two different systems with different formulas and survivor options. We are affiliated with neither; what we do is model your benefit against everything else you own before the permanent elections are made.
Where do meetings happen?
our principal office is in Norwalk, about 7.9 miles away — roughly fifteen minutes up Valley View. We also meet Cypress clients at their home or practice, and by video for reviews. There is no Cypress office, and we will not imply one.