Aduna Capital is a fee-only fiduciary investment adviser serving Lynwood from our Norwalk office, 8.8 miles away. We review employer plans for St. Francis Medical Center staff, advise Lynwood USD educators on CalSTRS decisions, and open first accounts with no minimum — in English and Spanish, with no products ever sold.
- Fee-onlyno commissions
- No account minimumfor investment management
- English & Spanishnatively
- Accepting new clientsIn person in Norwalk, by video, or at your Lynwood business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Lynwood, CA fiduciaries?
No — and the difference lands hardest in cities like Lynwood, where incomes are modest, the community is 87.7% Hispanic or Latino, and the financial products that circulate are too often the commission kind: cash-value life insurance pitched as a retirement plan, annuities pitched at kitchen tables, all sold by people the law only asks to be "suitable." A fiduciary is held to the opposite standard: your interests first, at all times, in writing.
Aduna Capital is a registered investment adviser and a fiduciary always. We are fee-only — clients pay us; product companies never do — and our record is public at adviserinfo.sec.gov.
Who we work with in Lynwood
Lynwood is a city of about 67,000 with a median household income of $74,844, and its economic anchor is unmistakable: St. Francis Medical Center, the hospital that employs a large share of the city, alongside Lynwood Unified and the small businesses of the city's corridors. Three kinds of work follow from that:
- Hospital workers. Nurses, technicians and support staff at St. Francis with employer retirement plans nobody has ever walked them through, and old accounts left at prior hospitals. Reading a 403(b) or 401(k) statement together — what it costs, what it holds, whether to consolidate by direct transfer — is often the whole first meeting, and it is free.
- Lynwood USD educators and staff. CalSTRS members facing the standard pair of hazards: staff-lounge 403(b) products with unadvertised costs, and survivor elections at retirement that cannot be changed afterward. Our pension work starts here.
- First-generation savers. Households here are often the first in their family to hold an investment account. The firm is built for exactly that: $0 to open, $50 a month ongoing, both languages, no product ever sold.
Lynwood employers we know
St. Francis Medical Center staff
403(b) and employer-plan reviews, plus direct-transfer rollovers when careers move between hospitals.
Lynwood USD staff
CalSTRS benefit structures, service credit and the survivor election — modelled before anything is signed.
Local business owners
The retirement mandate reaches every employer with one employee. Deadlines, penalties and the alternatives, in plain language.
First-time investors
First accounts opened right, bad products never bought — in English or Spanish, with no minimum.
Empiece con lo que tiene — start with what you have
Fifteen minutes, no cost, either language. If it is $50 a month, that is enough.
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 Lynwood clients
We do not have an office in Lynwood, 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
The 105 east to the 605 south, and Rosecrans is the exit after. That is roughly 8.8 miles from Lynwood. 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 Lynwood
¿Hablan español?
Sí — completamente. La llamada inicial, las reuniones y los documentos pueden ser en español, y publicamos materiales escritos originalmente en español, no traducidos. Vea nuestra página en español.
I work at St. Francis and have never touched the retirement plan. Where do I start?
Bring your benefits summary and a pay stub. We will find the match if there is one, set a contribution that survives your budget, and put the investments in order — one meeting, no charge, no obligation.
Someone offered my family an insurance policy as an investment. Should we sign?
Not before someone with no commission at stake reads it. Bring it to us first — we sell no insurance and earn nothing either way, so the answer you get is just the answer.
Do I need to be rich to have a financial advisor?
Not here. There is no minimum to open an account and the ongoing minimum is $50 a month — a deliberate structure, because the neighbourhoods big firms skip are the ones we built the firm for.
How far is your office from Lynwood?
About 8.8 miles — in Norwalk, on Rosecrans. We also meet clients at their home or business in Lynwood, and evening appointments run by video.