Aduna Capital is a fee-only fiduciary investment adviser serving Lakewood from our Norwalk office, 5.7 miles away. We plan around LACERA, CalPERS and CalSTRS pensions for Lakewood's many public-sector households, handle 401(k) rollovers for aerospace supply-chain workers, and advise local employers on the CalSavers mandate — with published fees 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 Lakewood business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Lakewood, CA fiduciaries?
No. Lakewood's stable, pensioned, homeowning households are a favourite market for commissioned product sales — the annuity seminar dinner is practically a local institution. The word that separates an adviser with a legal duty to you from a salesperson with a quota is fiduciary, and it is worth confirming in writing with anyone you talk to.
Aduna Capital is a registered investment adviser and fiduciary at all times, fee-only — no commissions, no products, no referral payments. Our registration and record are public at adviserinfo.sec.gov.
Who do we work with in Lakewood?
Lakewood is the model postwar suburb still doing what it was built to do: about 80,600 residents, median household income $119,177, stable middle-income homeowners, and an unusually high share of public-sector and trades households. It is a contract city — famously so — with law enforcement provided by the Los Angeles County Sheriff's Department, which means many of its public-safety and county-connected households are LACERA members rather than city employees. Lakewood Center anchors the retail base, and the Long Beach Airport aerospace supply chain sits next door.
The recurring Lakewood conversations:
- Pension households. Sheriff's deputies and county staff (LACERA), city and municipal workers (CalPERS), and teachers in Long Beach Unified and ABC Unified (CalSTRS) — often two systems in one marriage. Coordinating two pensions, survivor elections and Social Security is genuine planning work, and several of those elections are permanent.
- Aerospace and trades workers. The supply-chain firms around Long Beach Airport generate steady 401(k)s — and steady rollover decisions at every job change. Trades households add union and multiemployer plan questions to the mix.
- Retail and small-business employers. From Lakewood Center outward, the city's employers are covered by the state retirement mandate. CalSavers for Lakewood employers covers who must act and by when.
The Lakewood picture we know
Sheriff & county households
LACERA plans, safety-member specifics, reciprocity, and the survivor election that should never be guessed at.
Teachers & city staff
CalSTRS and CalPERS members: benefit structures, service credit purchases, and the 403(b)/457 accounts alongside the pension.
Aerospace supply-chain workers
401(k) rollovers done by direct transfer, old accounts found and consolidated, vesting checked before you resign.
Local business owners
Mandate deadlines, penalties, and when sponsoring your own plan beats registering for the state program.
Two pensions? Bring both statements
Fifteen minutes, no cost. We model the household — pensions, 401(k)s and Social Security 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 Lakewood clients
We do not have an office in Lakewood, 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
Take the 605 or surface streets down Pioneer/Bellflower Boulevard; most of Lakewood is about fifteen minutes out. That is roughly 5.7 miles from Lakewood. 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 Lakewood
My spouse is a deputy and I teach. Who do we even talk to about both pensions?
That combination — LACERA safety member plus CalSTRS — is exactly the household we like modelling. The systems have different formulas, survivor rules and Social Security interactions, and the right answer for one spouse can be wrong once you count both. We are affiliated with neither system and never charge to read pension statements.
I keep getting invited to steak-dinner retirement seminars. What's the catch?
The dinner is bait for an annuity or insurance sale, and the salesperson typically owes you no fiduciary duty. Go for the steak if you like — but before signing anything, let a fee-only fiduciary read it. We earn nothing whether you buy it or not, which is the point.
I've worked three aerospace jobs and have 401(k)s scattered everywhere.
Common in this corridor. We find them, compare the fees inside each, and consolidate by direct transfer where it helps — checking vesting and any after-tax money first, because those are the expensive things to get wrong.
Is Lakewood too far from Norwalk for you to serve properly?
No — the office is under six miles from most of Lakewood, and we also meet clients at home. What we will not do is imply we have a Lakewood office. we maintain our principal office, in Norwalk.