- Fee-onlyno commissions
- No account minimumfor investment management
- English & Spanishnatively
- Accepting new clientsIn person in Norwalk, by video, or at your Inglewood business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
The Inglewood question is usually the house. A family that bought decades ago now owns an asset worth a multiple of what they paid, in a city that has changed around them, and the decisions in front of them are about property tax, capital gains, and how to pass it on. That is planning work, and it is far better done before an offer arrives than after.
Start with the honest part: we are 20.2 miles from Inglewood
We do not have an office in Inglewood, and we are not going to imply otherwise with a service-area pin. our principal office is at 12838 Rosecrans Ave in Norwalk, about 20.2 miles away. If a firm's Inglewood page does not tell you where its actual office is, that is worth noticing — the August 2026 teardown of this market found out-of-area firms running dozens of city pages each, including one with a Norwalk page containing nothing about Norwalk.
So the question is not proximity. It is whether what we do is worth the drive, a video call, or us coming to you — because we do all three, and evenings run by video. Two things travel perfectly well over distance and are unusually hard to find at any distance: a fee schedule published on the website, and a fiduciary standard you can hold us to in writing. Neither requires us to be down the street.
Is your financial advisor in Inglewood actually a fiduciary?
Most people assume yes. The answer depends on how the person is registered. An investment adviser representative owes a fiduciary duty — care and loyalty, across the whole relationship, and it cannot be waived. A registered representative of a broker-dealer is held to Regulation Best Interest, which attaches at the moment of a recommendation and, in the SEC's own words, imposes no duty to monitor an account absent an agreement.
Both can be good at the job. They are not the same promise. You can check any firm in ten minutes: Form ADV at adviserinfo.sec.gov, individuals on BrokerCheck, and the Form CRS. Ours is linked here, and the standard is spelled out on our fiduciary page. Aduna Capital is fee-only: paid by clients, by nobody else, with no commissions and no proprietary products. The full comparison is here →
Who we work with in Inglewood
Inglewood has been rebuilt around three venues in barely a decade. SoFi Stadium and the Hollywood Park development sit on the old racetrack land, the Kia Forum is across Prairie Avenue, and the Intuit Dome opened next to them in 2024. LAX is immediately west, the Metro K Line runs through Downtown Inglewood, and the 105 and 405 cross at the southern edge. The employment base that follows is hospitality, events, construction, transport and logistics, aviation services, health care, and city and school district work — a great deal of it hourly, shift-based and seasonal around an event calendar.
But the financial story of Inglewood is property. Long-time homeowners — many of them Black families who bought here in the 1960s and 1970s, and Latino families who bought in the decades after — are sitting on houses whose market value bears no relationship to what was paid, carrying a Proposition 13 assessed value that is a fraction of it. That is a fortunate position and a complicated one. Rising values bring pressure to sell, unsolicited offers, and relatives with different views about what should happen. They also bring technical questions that get answered badly by rumour.
There are three, and they are worth separating. First, capital gains: a sale is measured against the original basis plus documented improvements, the main-home exclusion covers $250,000 of gain for a single filer and $500,000 for a married couple filing jointly, and California taxes what remains as ordinary income — so a long-held Inglewood house can produce a taxable gain well past the exclusion. Second, property tax on a transfer: since 2021 Proposition 19 has allowed the parent-child exclusion only where the child makes the home their principal residence, subject to a cap, so the plan of the children keeping it and renting it out now generally means a reassessment at market value. Third, what a step-up in basis at death does and does not do, which is often the whole difference between selling now and holding. Capital gains in California · Proposition 19 in detail · California estate basics. We model the money; the filings and the deed work belong to a CPA and an attorney.
The local employer base
SoFi Stadium, the Kia Forum and the Intuit Dome
Event, hospitality and security work, much of it hourly and driven by the calendar. Employers with even one employee are covered by the state mandate, and for variable-hour workers the first practical step is an automatic contribution that survives a slow month.
LAX and aviation services
Airlines, ground handling, catering and freight immediately west of the city. Union and multiemployer plans are common alongside 401(k)s, and employees who move between carriers leave benefits scattered across systems that never speak to one another.
Inglewood Unified and Centinela Valley Union High School District
Certificated staff are CalSTRS members, classified staff CalPERS. As in every district, the 403(b) list on campus runs from genuinely low-cost to an annuity with a surrender schedule, and both sit on the same sheet of paper.
City of Inglewood and Centinela Hospital Medical Center
City employees are CalPERS members. Hospital staff are typically in a private 401(k) or 403(b) with a vesting schedule on the employer match — worth knowing precisely where you stand on it before you change jobs.
Public pensions and rollovers
CalSTRS and CalPERS both appear in Inglewood, through the two school districts and the city, but most working residents are in private plans or in none at all. The distinctive local problem is not the pension. It is that a household's largest asset by an enormous margin is the house, which makes a retirement plan resting on eventually selling it a plan with one very large single position in it. Diversifying away from that, slowly and deliberately, is the work. CalPERS · CalSTRS · how we plan.
If you are leaving a job, the rollover decision is where the most money is quietly lost — the 20% mandatory withholding under IRC § 3405(c) catches people who take the cheque themselves. The four options, step by step · Seven costly mistakes · Run the numbers. For public employees: CalPERS, CalSTRS, LACERA and OCERS explained.
A first conversation about Inglewood money, at no cost
Fifteen minutes on the phone. If your question has a short answer you will get it on the call, and if we are not the right firm for you we will say that too.
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.
Inglewood questions
We keep getting offers on the house. Should we sell?
Not a question anyone should answer for you in a paragraph, but it is a question with structure. Work out the actual taxable gain first — purchase price plus documented improvements, against today's price, less the $250,000 or $500,000 main-home exclusion — then what California takes on the remainder, then where you would live instead and what that costs. If a move within California is on the table, Proposition 19 lets homeowners over 55 transfer their assessed value to a replacement home up to three times, which can change the arithmetic considerably. The rules are here.
We want the house to go to our children. What is the sensible way to do that?
Deliberately, and with an attorney. Two things have to be right: the property-tax consequence, where Proposition 19 is strict about the child occupying the home and about the cap, and the income-tax consequence, since inherited property generally receives a stepped-up basis at death while a lifetime gift does not. Signing the house over during your lifetime is often the more expensive path, and it is done all the time by families trying to do the right thing. Talk to us and to an estate attorney before anything is signed.
Everything we have is in the house. Where do we even start?
With cash flow and a small automatic investment, not with a grand strategy. A house is an asset you cannot spend in pieces, so the first goal is building something liquid alongside it: an emergency fund, then a Roth IRA or a workplace plan funded every month regardless of the amount. We have no account minimum, and that exists precisely for this. A household with substantial home equity and $500 of investments is not one anybody should be turning away.
Do you actually meet clients from Inglewood, or is this page just for search?
We meet them. Our office is at 12838 Rosecrans Ave in Norwalk, about 20.2 miles from Inglewood — clients come to us, we come to them, or we meet by video, and evening appointments can be arranged. What we will not do is claim an office in Inglewood that does not exist. Call (657) 571-2607. We are registered as an investment adviser in California.
What is the account minimum?
There isn't one to open. We ask for $50 a month of continuing deposits, because a plan you do not fund is not a plan. Our fee is 1.5% to 2.0% of assets under management per year, billed quarterly, and it is published — which is more than most firms in this market will tell you before a meeting.
¿Atienden en español?
Sí. Atendemos en español, y buena parte de nuestro material existe en español, escrito originalmente, no traducido por máquina.