Aduna Capital is a fee-only fiduciary investment adviser serving Fullerton from our Norwalk office, 13.5 miles away. We advise Fullerton College and district educators on CalSTRS, Cal State Fullerton staff on CalPERS-covered state benefits, St. Jude nurses on 403(b)s and rollovers, and downtown business owners on the CalSavers mandate — with no account 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 Fullerton business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Fullerton, CA fiduciaries?
No — and in a college town the gap shows up somewhere specific: the campus and district 403(b) vendor lists. Educators get pitched retirement products in break rooms and inboxes by salespeople with no legal duty to them, and the costs rarely appear in writing anywhere the buyer will read. A fiduciary owes you the opposite: your interests first, all conflicts disclosed, at all times.
Aduna Capital is held to that standard in every engagement — a registered investment adviser, fee-only, selling nothing and taking nothing from any product provider. Look us up at adviserinfo.sec.gov before believing a word of this page; that habit will serve you with every adviser you meet.
Who do we work with in Fullerton?
Fullerton is north Orange County's education and professional hub — about 140,000 residents, median household income $94,261, 37.8% Hispanic or Latino — anchored by Cal State Fullerton, Fullerton College and St. Jude Medical Center, with a downtown full of independent businesses and an aerospace legacy that still shows up in old 401(k) statements. Four groups define the local picture:
- Educators and campus staff. Fullerton College's academic employees and the district's teachers are CalSTRS members; Cal State Fullerton staff retirement generally runs through CalPERS as state employees. Both face permanent elections at retirement, and both get sold supplemental 403(b) products whose costs deserve daylight. Start with our pension planning.
- St. Jude nurses and hospital staff. 403(b)s, shift-differential incomes, and rollover decisions when careers move between systems — the direct-transfer rule alone saves people real money.
- Downtown business owners. The restaurants, shops and professional offices of downtown Fullerton are covered by the state retirement mandate. CalSavers for Fullerton employers lays out deadlines, the $750-per-employee penalty, and when a 401(k) serves the owner better.
- Aerospace-legacy households. Careers that passed through Raytheon-era Fullerton left behind 401(k)s and pension questions we untangle regularly.
Fullerton institutions we know
CSUF & Fullerton College staff
CalPERS state-employee coverage on one campus, CalSTRS on the other — plus honest 403(b) cost reviews for both.
St. Jude Medical Center staff
403(b) reviews and direct-transfer rollovers between hospital systems, without the 20% withholding trap.
Downtown & corridor businesses
Mandate compliance for restaurants, retail and professional offices — CalSavers or your own plan, priced side by side.
Aerospace-legacy savers
Old 401(k)s and pension entitlements from prior-era employers, located and consolidated correctly.
Fifteen minutes, no cost, either language
Bring the 403(b) statement nobody has ever explained. Reading it with you costs nothing.
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 Fullerton clients
We do not have an office in Fullerton, 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
The 91 west to the 605 north, or Harbor to Imperial across the county line — plan on twenty to twenty-five minutes. That is roughly 13.5 miles from Fullerton. 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.
Honestly, at 13.5 miles many Fullerton clients see us in person once or twice a year — at our office or their business — and run everything else by video. That cadence works, and we would rather tell you so than invent a Fullerton address.
Common questions from Fullerton
I teach at Fullerton College. Are you affiliated with CalSTRS?
No — no adviser is, and be wary of any who implies it. What we do is independent: model your CalSTRS benefit, cost out the 403(b) sold alongside it, and put the permanent survivor election in the context of everything else you own. Looking at a pension statement never carries a charge.
I'm staff at Cal State Fullerton. Is my pension CalSTRS too?
Usually not — CSU employees are generally covered through CalPERS as state employees, a different system with different formulas, while Fullerton College academic staff are typically CalSTRS. The distinction matters for retirement dates and survivor choices, and we sort it from your actual statements rather than assumptions.
I'm a nurse at St. Jude with three old retirement accounts. Worth consolidating?
Often — but it depends on each plan's costs and your Roth plans. Done wrong, a rollover becomes a cheque with 20% withheld; done right, it is a direct transfer you never touch. Bring the statements and we will show you both the fees and the safe path.
I own a business in downtown Fullerton. What does the state require of me now?
Every California employer with at least one employee must register with CalSavers or sponsor a qualified plan and certify an exemption — ignoring it risks penalties up to $750 per eligible employee. Which route costs less depends on your payroll and your own income; we run the comparison free.
Is Norwalk too far to be my adviser?
You decide — our office is about twenty-five minutes away, we meet at your business when that is easier, and reviews run fine by video. What we will not do is rent a mail-drop address to look local.