Aduna Capital is a fee-only fiduciary investment adviser serving La Habra Heights from our Norwalk office, 10.5 miles away — at our office, your home, or by video. We work with executives on concentrated stock and deferred compensation, with owners of businesses in the cities below on retirement plans and the state mandate, and with households coordinating trusts and estates — all with published 1.5%–2.0% fees.
- Fee-onlyno commissions
- No account minimumfor investment management
- English & Spanishnatively
- Accepting new clientsIn person in Norwalk, by video, or at your La Habra Heights business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in La Habra Heights, CA fiduciaries?
No — and households at La Habra Heights income levels attract the most polished of the non-fiduciaries. Private-bank representatives, insurance producers with estate-planning brochures, and brokers with in-house products can all call themselves financial advisors while owing you less than the law's highest duty. A fiduciary owes you exactly that duty — your interests first, always — and the cleanest test of one is how they are paid.
We are paid one way: by clients. Aduna Capital is a fee-only registered investment adviser — no commissions, no product revenue, no referral fees in either direction — with the fee schedule published below and our record public at adviserinfo.sec.gov.
Who we work with in La Habra Heights
La Habra Heights is unlike anywhere else we serve: a rural-residential hillside city of about 5,500 people between Los Angeles and Orange counties, with a median household income near $179,583 and essentially no commercial base — no corridor of storefronts, no anchor employer. The wealth here was made elsewhere and lives here, which changes what people need from an adviser:
- Executives and professionals who work elsewhere. Concentrated employer stock, deferred compensation and equity awards accumulated over a career — the questions are tax sequencing and concentration risk, handled through planning and tax-aware management rather than products.
- Owners of businesses based down the hill. Many Heights households own firms in La Habra, Whittier or the industrial cities nearby. The state retirement mandate follows the business, wherever the owner sleeps. CalSavers for La Habra Heights owners covers it.
- Households organising an estate. Acreage, a primary residence worth seven figures, and accounts across several custodians — trust and beneficiary work done in coordination with your attorney, not in place of one.
Our $0 minimum reads differently here: it is not that Heights households need it, but that their adult children and their household employees get the same fiduciary standard the family does.
The situations we know from the Heights
Executives with concentrated stock
Diversification schedules, tax sequencing and deferred-compensation elections modelled before the window closes.
Owners of businesses nearby
The mandate follows your company, not your address. Plan design for the firm down the hill, handled from one table.
Estate & trust coordination
Titling, beneficiaries and trust funding kept consistent with the documents your attorney drafted.
Retiring households
Turning a career's accumulation into income — withdrawal order, Roth conversions and RMD timing in one plan.
Fifteen minutes, no cost, no obligation
Bring another firm's proposal too — we will put the fee structures side by side, including where theirs wins.
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 Heights clients
Our office is in Norwalk, not La Habra Heights — our principal office, with no satellite pins, no borrowed conference-room addresses:
Aduna Capital LLC
12838 Rosecrans Ave, Norwalk, CA 90650
(657) 571-2607
Hacienda Boulevard down to the 5, or surface streets through Whittier, and you are at Rosecrans. That is roughly 10.5 miles from La Habra Heights, 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 La Habra Heights
We already have a broker at a national firm. Why consider a small RIA in Norwalk?
Possibly you shouldn't — if their fees are disclosed, their conflicts are none, and the advice is holding up, keep them. Our difference is structural: fee-only, fiduciary at all times, fees published on this site. Put the two structures side by side; the comparison costs nothing.
Most of our net worth is the property and my employer's stock. Is that a problem?
It is a concentration to plan around, not a mistake to scold. We model the household as it actually is — land, stock, deferred compensation — and build the diversification and tax schedule from there.
My business is in La Habra, but I live in the Heights. Which CalSavers page applies?
The mandate attaches to the employer, so it is the business's location and headcount that matter. Either way the analysis is the same and we run it at no charge — often a 401(k) the owner can actually use beats the state program.
Do you come up the hill, or do we come to you?
Either, honestly stated: our principal office is in Norwalk, about 10.5 miles away. We meet Heights clients there, at your home or business, or by video, and evening appointments run by video.