Aduna Capital is a fee-only fiduciary investment adviser serving Montebello from our Norwalk office, 9.9 miles away. We help the city's family-owned businesses handle the CalSavers mandate, review 403(b)s for Beverly Hospital and clinic staff, and advise Montebello USD educators on CalSTRS decisions — with no account 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 Montebello business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Montebello, CA fiduciaries?
No, and it is worth slowing down on why. California lets almost anyone adopt the title; what divides the field is legal duty. Brokers and insurance agents may sell you anything "suitable" and keep the commission. A fiduciary must put your interests ahead of their own at every step — and in a city of family-owned storefronts and medical offices like Montebello, where trust travels by referral, a mis-sold product can circulate through a whole extended family before anyone reads the fine print.
Aduna Capital is a registered investment adviser, fiduciary at all times, and fee-only: no commissions, no product revenue, ever. Confirm it at adviserinfo.sec.gov — then hold every other adviser to the same one-minute check.
Who we work with in Montebello
Montebello is a city of about 63,000 — median household income $79,971, 76.3% Hispanic or Latino — whose older commercial corridors carry an unusual density of family-owned retail, restaurants and medical offices, anchored by Beverly Hospital, Montebello Town Center and Montebello Unified. From ten miles away, the local picture sorts into three lanes:
- Family business owners. The corridors' shops, restaurants and practices — many second-generation — are covered by the state retirement mandate, and many owners have never had the register-or-sponsor choice explained without a sales agenda. CalSavers for Montebello employers lays it out straight.
- Hospital and medical-office staff. Beverly Hospital employees and the staff of the city's clinics and dental offices, with 403(b)s and employer plans to decode and old accounts to consolidate properly.
- Montebello USD educators. CalSTRS members with the district: benefit tiers, service credit purchases, permanent survivor elections — and staff-lounge 403(b) products whose costs deserve to be totalled once, honestly. Start here.
Threaded through all three: first-generation wealth building, bilingual by default, with no account minimum standing in the doorway.
Montebello employers we know
Beverly Hospital & clinic staff
403(b) reviews and direct-transfer rollovers when careers move — no 20% withholding surprises.
Montebello USD staff
CalSTRS structures and survivor elections, plus an honest costing of the products sold on campus.
Corridor & Town Center businesses
Mandate deadlines and penalty math for retail and restaurants; when a simple plan beats the state program.
Medical & dental practice owners
Safe-harbor 401(k)s the owner can actually use — with SECURE 2.0 credits that offset most startup costs.
Fifteen minutes, no cost, either language
Bring the CalSavers letter, the 403(b) statement, or just the questions — we will sort them 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 Montebello clients
We do not have an office in Montebello, 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
From Montebello it is the 5 or the 605 south to Rosecrans — about twenty minutes most hours. That is roughly 9.9 miles from Montebello. 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 Montebello
Our family restaurant got a CalSavers notice. Is it real, and what do we do?
It is real — the mandate now reaches every California employer with one employee, and ignoring it eventually costs up to $750 per eligible employee. You register, or you sponsor your own plan and certify an exemption. We walk families through both options at no charge, in either language.
¿Hablan español?
Sí. Reuniones, llamadas y documentos en español — escritos originalmente, no traducidos. Vea nuestra página en español.
I work at the hospital and have accounts from three employers. Should they be combined?
Often, but not automatically — plan fees and Roth strategy can change the answer. Bring all three statements; the comparison takes about twenty minutes, costs nothing, and any move we do recommend happens by direct transfer.
I teach in Montebello USD. What is the one thing to get right?
The survivor election, because it is permanent. Before that: know your CalSTRS benefit structure, and total up what your 403(b) actually charges. We model all of it with you; we are not affiliated with the district or CalSTRS.
Do we have to drive to Norwalk?
No — our office is there, about ten miles away, and many clients do come. But we also meet Montebello clients at their business or home, and evening appointments run by video.