Aduna Capital is a fee-only fiduciary investment adviser serving Paramount from our Norwalk office, 5.9 miles away. We set up mandate-compliant retirement plans for the city's metal and manufacturing shops with bilingual on-site enrollment, advise Paramount USD staff on CalSTRS decisions, and open first accounts with no 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 Paramount business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Paramount, CA fiduciaries?
No. Here is the blunt version: the law lets a commissioned salesperson and a sworn fiduciary use the identical job title, and in industrial cities like Paramount — where benefits infrastructure is thin and financial products arrive through break rooms and kitchen tables — the salesperson usually gets there first. A fiduciary is legally required to put your interests ahead of their own, at all times. The other kind is not.
Aduna Capital is a registered investment adviser and fiduciary always, fee-only: clients are our only revenue, which is why we can read any product you are offered and tell you the truth about it. Our record is at adviserinfo.sec.gov.
Who we work with in Paramount
Paramount is a maker's city: a metal finishing and manufacturing cluster of small industrial employers, many of whom have never had benefits infrastructure beyond a payroll service. About 52,000 people live here — median household income $75,250, 81.3% Hispanic or Latino, median age around 34 — and Paramount Unified anchors the public payrolls. Six miles from our door, the work looks like this:
- Industrial small employers. Metal shops and manufacturers with five to fifty employees now face the state retirement mandate with no HR department to hand it to. We set up compliance that fits a shop floor — eligibility, payroll integration, bilingual enrollment on the actual shift schedule. CalSavers for Paramount employers is the plain-language starting point.
- Shop workers and their families. Steady hourly income, often no retirement account yet, and a community heavily targeted by commission products. First accounts with $0 to open, $50 a month, explained in Spanish or English.
- Paramount USD educators and staff. CalSTRS members with the usual pair of decisions — what the 403(b) really costs now, and which survivor election to make later — modelled before anything is signed.
The Paramount employer picture we know
Metal finishing & manufacturing shops
Mandate deadlines, the $750-per-employee penalty, and plan mechanics that survive shift payrolls and turnover.
Owners choosing plan vs CalSavers
The state program is a Roth IRA with limits; a simple 401(k) with startup credits often serves the owner far better. We show both columns.
Paramount USD staff
CalSTRS tiers, service credit and permanent survivor elections — plus honest 403(b) cost totals.
Workers with stranded accounts
Old 401(k)s from prior shops consolidated by direct transfer, never a cheque made out to you.
Fifteen minutes, no cost, either language
Shop owner or shop floor — bring the notice, the statement, or the question, and leave with a straight answer.
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 Paramount clients
We do not have an office in Paramount, 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
Rosecrans runs west from our door straight into Paramount — most of the city is ten to fifteen minutes away. That is roughly 5.9 miles from Paramount. 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 Paramount
I own a metal shop with twelve employees and got a state retirement notice. What now?
You have two compliant routes: register with CalSavers, or sponsor a qualified plan and certify an exemption. Doing neither eventually costs up to $750 per eligible employee. Which route is cheaper depends on your payroll and whether you want the plan to work for you as the owner — we run that comparison at no charge.
My crew won't sign up for anything they can't read in Spanish. Can you fix that?
Yes — that is half the job. We run enrollment meetings in Spanish and English, on-site, on the shifts that actually exist. Participation follows comprehension.
¿Hablan español?
Sí — todo el proceso: llamadas, reuniones, inscripciones y documentos. Vea nuestra página en español.
I've worked at three shops and have no idea where my old retirement money is.
That is common and fixable. Bring whatever paperwork you have — even just employer names and years — and we will help you locate the accounts and consolidate them properly by direct transfer.
What does it cost to talk to you?
Nothing for the first conversation — fifteen minutes, no obligation. Ongoing, our fees are published: 1.5%–2.0% of managed assets, $0 to open, $50 a month minimum.