Aduna Capital is a fee-only fiduciary investment adviser serving Hawaiian Gardens from our Norwalk office, 6.2 miles away. We help casino and hospitality workers save on variable tip income with no account minimum, advise ABC Unified staff on CalSTRS decisions, and walk local employers through the CalSavers mandate — 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 Hawaiian Gardens business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Hawaiian Gardens, CA fiduciaries?
No. Most people using the title anywhere near Hawaiian Gardens are brokers or insurance agents held to a suitability standard and paid by commission — and casino-town paycheques, heavy with tips and shift differentials, are a favourite target for products that reward the seller first. A fiduciary is different in law, not in marketing: your interests first, at all times, every conflict disclosed.
Aduna Capital is a registered investment adviser and fiduciary always — fee-only, which means clients are our only source of revenue. Verify that at adviserinfo.sec.gov before taking our word, or anyone's.
Who we work with in Hawaiian Gardens
Hawaiian Gardens is the smallest city in Los Angeles County by area — about 13,500 residents, a median household income of $76,341, and a 75.6% Hispanic or Latino population — with one economic fact that towers over the rest: The Gardens Casino is the dominant employer and the city's main revenue source. Its schools sit in ABC Unified, the same district as neighbouring Cerritos and Artesia.
From six miles away, the work looks like this:
- Casino and hospitality workers. Tip-heavy, shift-based income is real income — it just needs a different savings design: a baseline that fits the slow weeks, a rule for the good ones, and an employer plan actually enrolled in rather than ignored. We do this in English or Spanish, with no account minimum.
- ABC Unified educators and staff. CalSTRS members with the district face permanent elections at retirement and staff-lounge 403(b) products in the meantime — both worth a careful, unhurried look. Start here.
- Small business owners. The city's shops and services are covered by the state retirement mandate the moment they employ one person. CalSavers for Hawaiian Gardens employers lays out deadlines and the penalty math in plain language.
The local picture we know
Casino & hospitality workers
Saving on tip income: a plan built for variable weeks, with $0 to open and $50 a month ongoing.
ABC Unified staff
CalSTRS benefit structures, service credit and survivor elections — plus an honest costing of the 403(b) beside the pension.
Local business owners
The mandate reaches every employer with one employee. Register, or sponsor a plan and certify an exemption — we show both columns.
Job changers
Old 401(k)s and 403(b)s consolidated by direct transfer, without the 20% withholding trap.
Start with what you have
Tips count. Fifteen minutes, no cost, either language — and no product will ever be sold to you here.
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 Hawaiian Gardens clients
We do not have an office in Hawaiian Gardens, 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
Carson Street to Pioneer or the 605 puts the office about fifteen minutes away. That is roughly 6.2 miles from Hawaiian Gardens. 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 Hawaiian Gardens
My income is mostly tips and it changes week to week. Can I really invest?
Yes. The design just has to respect the variability: an amount that survives your slowest month, an automatic top-up rule for strong ones, and a cash buffer before anything else. There is no minimum to open an account and the ongoing minimum is $50 a month.
¿Hablan español?
Sí — todo el proceso puede ser en español: la primera llamada, las reuniones y los documentos. Vea nuestra página en español o llame al (657) 571-2607.
I work at the casino. Should I use the retirement plan at work or my own IRA?
Usually the honest answer is a specific order, not either/or: capture any employer match first, then weigh the plan's costs against an IRA for the rest. Bring the plan booklet and we will read it with you at no charge.
I own a small shop here. What happens if I ignore the CalSavers notices?
Eventually penalties of up to $750 per eligible employee. Registering costs the employer nothing out of pocket; the real question is whether the state program or your own small plan serves you better, and that comparison is free.