Aduna Capital is a fee-only fiduciary investment adviser serving Pico Rivera from our Norwalk office, 7.5 miles away. We work with the city's trades and industrial households on employer plans and first portfolios — bilingually, with no account minimum — advise El Rancho Unified educators on CalSTRS, and help Rio Hondo corridor employers meet the CalSavers mandate.
- Fee-onlyno commissions
- No account minimumfor investment management
- English & Spanishnatively
- Accepting new clientsIn person in Norwalk, by video, or at your Pico Rivera business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Pico Rivera, CA fiduciaries?
No — y esa diferencia cuesta dinero. In the city with the highest Hispanic share of any we serve — 90.1% — the commission-product economy runs on trust: the "asesor financiero" at the community event, the insurance plan recommended by a compadre. Sincerity is not the issue; the legal standard is. A fiduciary must put your interests first at all times. A commissioned salesperson is not required to.
Aduna Capital is a registered investment adviser and fiduciary always — fee-only, paid by clients and nobody else, in either language. Check our record at adviserinfo.sec.gov.
Who do we work with in Pico Rivera?
Pico Rivera is a homeowner's city with working hands: about 61,000 residents, median household income $88,201, a 90.1% Hispanic or Latino population, and a strong base of trades households — many of whom own the homes they grew up in. The Rio Hondo corridor carries the city's industrial base, and the former Northrop plant site is now the Pico Rivera Towne Center. Schools belong to El Rancho Unified, whose teachers are CalSTRS members.
Our Pico Rivera work concentrates in three places:
- Trades and industrial households. Electricians, machinists, drivers and crews from the Rio Hondo corridor — households with real incomes, often a union or employer plan nobody has explained, and home equity doing the silent heavy lifting. We put the pieces on one page: the plan at work, the house, and what a $50-a-month account grows into when it starts early.
- First-generation investors, en español. Much of our Pico Rivera work happens in Spanish, originally — not through a translator. First IRAs and brokerage accounts, 529s for the kids, and straight answers about the insurance-based "retirement plans" heavily marketed in this community.
- Local employers. The corridor's shops and the businesses around the Towne Center are covered by the state retirement mandate. CalSavers for Pico Rivera employers covers deadlines, penalties and the alternatives — with enrollment support in Spanish for your crew.
The Pico Rivera picture we know
Industrial & trades workers
Employer-plan reviews, union and multiemployer plan questions, and rollovers done by direct transfer at every job change.
Rio Hondo corridor employers
Mandate compliance for industrial payrolls, with bilingual on-site enrollment that actually gets used.
El Rancho Unified staff
CalSTRS benefit structures, permanent survivor elections, and honest 403(b) cost reviews.
First-time investors
$0 to open, $50 a month, everything explained in Spanish or English — before you sign anything anywhere.
Quince minutos, sin costo, en su idioma
Fifteen minutes, no cost, either language. Bring the statements — or the product someone is trying to sell you.
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 Pico Rivera clients
We do not have an office in Pico Rivera, 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 Rosecrans west to the 605 north, or surface streets up Norwalk Boulevard. That is roughly 7.5 miles from Pico Rivera. 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 Pico Rivera
¿Puedo hacer todo — llamadas, reuniones, documentos — en español?
Sí. El español no es un servicio adicional aquí; es la mitad de la práctica. La primera llamada es gratis y sin compromiso: (657) 571-2607, o empiece en nuestra página en español.
Someone sold my parents an insurance 'retirement plan.' Can you look at it?
Yes, and please bring it before more premiums go in. We will read what it actually costs and does — in Spanish with your parents if that helps — and we earn nothing either way, because we sell no insurance and take no commissions.
I have a 401(k) at the plant and a house that's almost paid off. Am I set?
Possibly closer than you think — but 'a plan at work plus a house' still leaves real questions: whether the 401(k) is invested sensibly, what happens at retirement, and how to build savings that are not locked in either. That review is exactly what a first meeting is for, at no cost.
I run a shop on the corridor with eight employees. What does the state want from me?
By 2026 rules, every employer with at least one employee must register with CalSavers or sponsor a plan and certify an exemption — ignoring it risks up to $750 per eligible employee. We will run your numbers both ways and handle enrollment in Spanish and English.