Aduna Capital is a fee-only fiduciary investment adviser serving La Habra from our Norwalk office, 9.8 miles away at the other end of the Whittier corridor. We advise the city's Latino small-business owners on the CalSavers mandate, model cross-county households holding CalSTRS, CalPERS, OCERS and LACERA benefits together, and open first portfolios with no 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 La Habra business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in La Habra, CA fiduciaries?
They are not, and the county line does nothing to change it. The same commission-paid sellers who work the Whittier corridor's living rooms — indexed universal life dressed up as a pension, annuities with surrender schedules longer than a mortgage — work La Habra's too. What separates an adviser you can trust is not the county but the fiduciary duty: a legal obligation to put your interests first and disclose how every dollar of compensation flows.
Aduna Capital operates under that duty at all times, as a fee-only registered investment adviser paid by clients and nobody else. Our public record is at adviserinfo.sec.gov — check it, then check the next firm's.
Who do we work with in La Habra?
La Habra sits on the LA County line at the top of the Whittier corridor, which makes it a natural extension of our core practice: many La Habra households shop, work and bank in Whittier, and the financial lives look alike even though the pension systems do not. The city has about 61,000 residents, a median household income of $99,194, and a 59.3% Hispanic or Latino population — so much of our La Habra work happens in Spanish, as it does at home in Norwalk.
- Latino small-business owners. La Habra's business base is the corridor's — restaurants, services, trades and shops, most now covered by the state retirement mandate. CalSavers for La Habra employers explains deadlines, penalties and the owner's alternatives, in plain language and in Spanish where that helps.
- Cross-county households. One spouse teaching in an Orange County district (CalSTRS), the other working for LA County (LACERA) or a city on either side (CalPERS) — plus the OCERS membership that comes with County of Orange jobs. We model the household, not the account, because survivor elections should never be made one pension at a time.
- First-generation investors. Families building a first portfolio with $0 to open and $50 a month, in either language, before a commission product finds them first.
The La Habra employer picture we know
Corridor small businesses
Mandate deadlines, the $750-per-employee penalty, and bilingual enrollment that staff actually use.
Cross-county public employees
CalSTRS, CalPERS, OCERS and LACERA in one household — modelled together before any election is locked.
Job changers
Old 401(k)s and 403(b)s consolidated by direct transfer, with costs read out loud first.
First-time investors
$0 to open, $50 a month, and a fiduciary explaining every step in English or Spanish.
Quince minutos, sin costo, en su idioma
Fifteen minutes, no cost, either language — bring the statements or the product someone is selling you.
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 La Habra clients
We do not have an office in La Habra, 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
Whittier Boulevard connects La Habra to our corridor; Beach Boulevard to Imperial works too — call it twenty minutes. That is roughly 9.8 miles from La Habra. 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 La Habra
¿Puedo hacer todo el proceso en español — llamadas, reuniones y documentos?
Sí, completamente. El español es la mitad de nuestra práctica, no un servicio adicional. Empiece en nuestra página en español o llame al (657) 571-2607.
My wife teaches in an OC district and I work for LA County. Who understands both our pensions?
That split is normal on the county line, and it is exactly why we model households rather than accounts: her CalSTRS elections change what his LACERA choices and the joint savings should do. We are affiliated with none of the systems, and reading your statements together costs nothing.
I own a small shop in La Habra. What is the retirement mandate going to cost me?
Registering with CalSavers costs the employer nothing out of pocket; the real costs are administrative time and — for those who ignore it — penalties up to $750 per eligible employee. Whether the state program or your own plan serves you better is arithmetic we run free, in either language.
Where would we meet?
our principal office is in Norwalk, about 9.8 miles down the corridor — La Habra clients either drive over, roughly twenty minutes, or we come to your home or business. Evening appointments are available.