Aduna Capital is a fee-only fiduciary investment adviser serving La Palma from our Norwalk office, just 5.5 miles away — the closest Orange County city to our door. We design retirement plans for La Palma's medical and professional practices, review 403(b)s for hospital and healthcare staff, and advise CalPERS, OCERS and CalSTRS members on pension elections — with a published 1.5%–2.0% fee and no account minimum.
- Fee-onlyno commissions
- No account minimumfor investment management
- English & Spanishnatively
- Accepting new clientsIn person in Norwalk, by video, or at your La Palma business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in La Palma, CA fiduciaries?
No. Small, affluent cities like La Palma rarely host advisory offices of their own, so residents end up served by whoever markets hardest — often brokers and insurance agents whose "advice" is a sales channel with a friendlier name. The test that cuts through the marketing is one word: fiduciary. A fiduciary must act in your interest at all times and put every conflict in writing; a suitability-standard salesperson need only avoid selling you something indefensible.
Aduna Capital is a registered investment adviser and a fiduciary in everything we do — fee-only, with a published 1.5%–2.0% fee and zero product revenue. Confirm it yourself at adviserinfo.sec.gov.
Who do we work with in La Palma?
La Palma is the closest Orange County city to our door — 5.5 miles, a straight shot across the county line — and one of the smallest and most affluent we serve: about 15,000 residents, a median household income of $116,914, and a heavily Asian-American professional community. Small city, concentrated needs:
- Professional practices and their owners. Medical, dental and professional offices — including those around La Palma Intercommunity Hospital — sit squarely in the state mandate's reach, and at La Palma income levels the deciding detail is that CalSavers is a Roth IRA whose income limits often exclude the owner entirely. CalSavers for La Palma employers runs the comparison.
- Hospital and healthcare staff. 403(b) menus, employer plans, and rollovers handled by direct transfer when careers move between systems.
- Established professional households. Multi-account families coordinating 401(k)s, brokerage accounts, college timelines and — for city staff (CalPERS), County of Orange workers (OCERS) and district educators (CalSTRS) — pension elections that only happen once.
Our $0 minimum applies here as everywhere — not because La Palma households need it, but because their adult children starting first jobs deserve the same fiduciary standard the parents get.
La Palma employers and institutions we know
Medical & professional practices
Plan design where a safe-harbor 401(k) usually beats the state program — because the owner can actually use it.
Hospital & healthcare staff
403(b) cost reviews and clean direct-transfer rollovers between systems.
Public employees
CalPERS, OCERS and CalSTRS members — formulas, service credit purchases, and permanent survivor elections.
Professional households
Coordinated management of the accounts a two-career household accumulates — with the fee published up front.
Fifteen minutes, no cost, no obligation
Ten minutes from La Palma to our conference table. Bring the accounts that have never been looked at together.
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 Palma clients
We do not have an office in La Palma, 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
Walker Street or Valley View to Rosecrans and you are here — La Palma is our closest Orange County neighbour, usually a ten-to-twelve-minute drive. That is roughly 5.5 miles from La Palma. 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 Palma
You're in LA County. Why should a La Palma family cross the line for an adviser?
Because the line is five and a half miles and the standard matters more than the county: fee-only, fiduciary always, fees published. Most La Palma clients reach our office faster than they could cross half of Anaheim.
I own a practice near the hospital. What does the mandate actually require?
Every employer with at least one employee must register with CalSavers or sponsor a qualified plan and certify an exemption. For practice owners the state program is usually the worse deal — its Roth IRA structure caps contributions low and often locks the owner out by income. We price both routes for your actual census, free.
Can you coordinate with our CPA?
Yes, and we prefer it — plan contributions, tax-loss harvesting and rollover timing all land on the return your CPA signs. We take no referral fees in either direction, so the only agenda in the room is yours.
Do you work with our kids too?
Gladly — the $0 minimum exists precisely so a first job and a first Roth IRA get fiduciary care without waiting to be wealthy. Family meetings across generations are normal here.