Aduna Capital is a fee-only fiduciary investment adviser serving Diamond Bar from our Norwalk office, 21.5 miles away — at your practice, by video, or in Norwalk. We design retirement plans for Diamond Bar's owner-operated professional practices under the state mandate, and manage investments 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 Diamond Bar business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Diamond Bar, CA fiduciaries?
No — the title is unregulated, and affluent suburbs hear from the widest assortment of people using it. Brokers, insurance producers and bank representatives can all print "financial advisor" on a card while owing you only a suitability standard, paid by the products they place. The word that separates them from an adviser legally bound to your interests is fiduciary — and it is the first word to ask about, including of us.
Aduna Capital is a registered investment adviser and a fiduciary at all times. We are fee-only with a published fee schedule below — 1.5%–2.0% a year, in writing, before you engage — and our registration is verifiable in about a minute at adviserinfo.sec.gov.
Who we work with in Diamond Bar
Diamond Bar sits at the 57/60 interchange — an affluent, heavily Asian-American suburb of about 53,500 people with a median household income of $108,281 and an unusually deep bench of owner-operators and professionals. That combination shapes almost everything we do here:
- Owner-operated professional practices. Medical, dental, accounting and other professional firms where the owner is also the highest-paid employee. That is precisely where plan design pays: a safe-harbor 401(k), and sometimes a cash balance plan on top, can shelter far more than the state program — which, being a Roth IRA, often locks the owner out on income alone. CalSavers for Diamond Bar employers runs that arithmetic.
- Professionals with equity and concentration. Households whose net worth is tied up in a practice, employer stock or a single position, and who need planning and tax-aware management more than another product.
- Households planning across generations. Parents' accounts, children's first accounts, and trust questions handled in one coherent plan rather than five sales conversations.
On minimums: many Diamond Bar households could clear any firm's threshold. Ours stays at $0 regardless, because the fiduciary standard should not be rationed by account size — and because your adult children starting out deserve the same care you get.
The Diamond Bar picture we know
Practice owners
Safe-harbor 401(k)s, SECURE 2.0 startup credits, and the CalSavers income-limit trap that shuts many owners out of the state program.
Owner-only businesses
Solo 401(k) versus SEP, and when a cash balance plan turns a strong year into a large deduction.
Career movers
401(k) rollovers by direct transfer, with the pro-rata and backdoor-Roth traps checked before anything moves.
Households near retirement
Practice sale, portfolio and Social Security sequenced into one income plan — not three separate pitches.
Fifteen minutes, no cost, no obligation
Bring another firm's proposal if you have one — we will compare fee structures line by line.
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 Diamond Bar clients
Our office is in Norwalk, not Diamond Bar — our principal office, with no satellite pins, no borrowed conference-room addresses:
Aduna Capital LLC
12838 Rosecrans Ave, Norwalk, CA 90650
(657) 571-2607
From the 57/60 interchange it is the 60 or the 5 corridor down to Rosecrans. That is roughly 21.5 miles from Diamond Bar, and we would rather say so plainly than imply a local presence we do not have. Clients at this distance work with us three ways: at the Norwalk office, on Rosecrans between Pioneer and Studebaker with parking on site; at your business or workplace, which is how most employer retirement-plan work happens anyway; or by video, which many people prefer for everything after a first in-person meeting. Evening appointments are available whichever you choose.
Common questions from Diamond Bar
You are 21 miles away. Why would a Diamond Bar family work with you?
Only if the fit is right — and for many households it is the published, fee-only structure that decides it. Practically, most Diamond Bar work happens at your practice or by video, with the Norwalk office there when you want to sit across a table. We will not pretend to be local; we will be transparent, which is rarer.
I own a practice here. Is CalSavers enough to satisfy the mandate?
It satisfies the mandate, but it may not serve you: CalSavers is a Roth IRA with income limits that frequently exclude the owner entirely, and a $7,500 ceiling against a 401(k)'s $24,500 plus match. We run both columns for your census at no charge.
Can you manage accounts we already hold at a big custodian?
Usually, yes — assets stay at an independent custodian in your name either way, and moves happen by direct transfer. We will tell you plainly if anything you hold is worth keeping untouched.
What does the first conversation cost?
Nothing — fifteen minutes, no obligation. If we are not the right firm for you, we will say so and point you somewhere better.