- Fee-onlyno commissions
- No account minimumfor investment management
- English & Spanishnatively
- Accepting new clientsIn person in Norwalk, by video, or at your Pomona business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Pomona is a city where most of the financial work happens in Spanish. Almost 72% of the city is Hispanic or Latino, median household income is $79,479, and a very large share of households here are the first in the family to hold a retirement account while also sending money home. We do this work in Spanish, without a minimum, and without a product to sell.
Start with the honest part: we are 26.6 miles from Pomona
We do not have an office in Pomona, and we are not going to imply otherwise with a service-area pin. our principal office is at 12838 Rosecrans Ave in Norwalk, about 26.6 miles away. If a firm's Pomona page does not tell you where its actual office is, that is worth noticing — the August 2026 teardown of this market found out-of-area firms running dozens of city pages each, including one with a Norwalk page containing nothing about Norwalk.
So the question is not proximity. It is whether what we do is worth the drive, a video call, or us coming to you — because we do all three, and evenings run by video. Two things travel perfectly well over distance and are unusually hard to find at any distance: a fee schedule published on the website, and a fiduciary standard you can hold us to in writing. Neither requires us to be down the street.
Is your financial advisor in Pomona actually a fiduciary?
Most people assume yes. The answer depends on how the person is registered. An investment adviser representative owes a fiduciary duty — care and loyalty, across the whole relationship, and it cannot be waived. A registered representative of a broker-dealer is held to Regulation Best Interest, which attaches at the moment of a recommendation and, in the SEC's own words, imposes no duty to monitor an account absent an agreement.
Both can be good at the job. They are not the same promise. You can check any firm in ten minutes: Form ADV at adviserinfo.sec.gov, individuals on BrokerCheck, and the Form CRS. Ours is linked here, and the standard is spelled out on our fiduciary page. Aduna Capital is fee-only: paid by clients, by nobody else, with no commissions and no proprietary products. The full comparison is here →
Who we work with in Pomona
Pomona is the largest city on this list by a wide margin and the least like the rest of the Pomona Valley: 154,680 residents, a median household income of $79,479, and a 71.8% Hispanic or Latino population, with two universities inside the city limits. Cal Poly Pomona sits on the old Kellogg ranch land at the south end. Western University of Health Sciences trains physicians, pharmacists and other clinicians downtown. The Fairplex hosts the Los Angeles County Fair and a year of events around it, and Pomona Valley Hospital Medical Center and Casa Colina anchor the health-care base.
The employment mix is unusually legible. A Cal Poly Pomona employee is in the California State University system and therefore a CalPERS member, usually with a 403(b) tax-sheltered annuity and the state's Savings Plus 457(b) available alongside. A Pomona Unified teacher is CalSTRS. A hospital employee is in a 403(b). And a very large number of residents work in warehousing, food service, construction, care work and small business, where until recently there was no retirement plan at all and now there is CalSavers — which is a Roth IRA, with an income limit and a $7,500 annual cap, and which most participants have never had explained to them.
The household economics are the real subject. First-generation households here are frequently supporting two generations at once: a mortgage or rent in Pomona, and parents or siblings elsewhere. Mixed-status families have questions about what can be opened with an ITIN and how accounts work across two systems. None of that is unusual and none of it is a reason to be turned away by a firm with a $250,000 minimum. Nuestro sitio en español · primera generación · cuentas con ITIN · remesas y ahorro · familias de estatus mixto.
The local employer base
Cal Poly Pomona
A California State University campus, so faculty and staff are CalPERS members — not CalSTRS, which surprises people every year. Alongside the pension sit a 403(b) tax-sheltered annuity and the state's Savings Plus 457(b), and most employees fund one without knowing the others exist.
Western University of Health Sciences
A private, non-profit health-sciences university downtown. Staff and faculty are in a 403(b). Graduating clinicians leave with large student loans and their first real income arriving at the same moment, which is a planning decision, not just a payday.
Pomona Valley Hospital Medical Center and Casa Colina
Nurses, technicians and therapists in hospital 403(b) plans, usually with a match on a vesting schedule and a long list of investment vendors. When a shift pattern changes the contribution percentage should be looked at again.
Pomona Unified, the Fairplex and the small-business base
District staff are CalSTRS and CalPERS. Around them are the restaurants, body shops, contractors and market vendors of Holt and Garey Avenues, nearly all now covered by the state retirement mandate. En español, para dueños de negocio.
Public pensions and rollovers
Pomona holds three public systems at once. Cal Poly Pomona employees are CalPERS members through the CSU. Pomona Unified certificated staff are CalSTRS. City employees are CalPERS again, but under a different employer contract with its own tiers. Households routinely contain two of them plus a private 403(b) or a CalSavers Roth IRA. Untangling which benefit is which, and what each is actually worth in today's money, is usually the first hour of work. CalPERS · CalSTRS · 457(b) plans · CalPERS estimator.
If you are leaving a job, the rollover decision is where the most money is quietly lost — the 20% mandatory withholding under IRC § 3405(c) catches people who take the cheque themselves. The four options, step by step · Seven costly mistakes · Run the numbers. For public employees: CalPERS, CalSTRS, LACERA and OCERS explained.
A first conversation about Pomona money, at no cost
Fifteen minutes on the phone. If your question has a short answer you will get it on the call, and if we are not the right firm for you we will say that too.
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.
Pomona questions
¿Atienden a familias de Pomona en español, o solo tienen la página traducida?
Atendemos en español, y el material está escrito en español desde el principio, no pasado por un traductor automático. Puede ver todo el sitio en español, incluidas las guías sobre el 401(k), cómo empezar a invertir y el crédito. La primera llamada es sin costo y no hay mínimo de cuenta.
I am at Cal Poly Pomona. Which do I fund — the 403(b) or the 457(b)?
They carry separate limits, which is the part almost everyone misses: you can contribute the full elective deferral to each, so a CSU employee who can afford it may put well over $40,000 a year into tax-advantaged accounts between the two. The 457(b) also has no early withdrawal penalty once you separate from service, which makes it the more useful account if there is any chance of retiring before 59½. The differences are set out here.
My parents live in Mexico and I send money every month. Does that mean I cannot invest?
No. It means the remittance is a fixed cost in the plan, the same way a car payment is, and it gets budgeted rather than ignored. What we will not do is build a plan that quietly assumes it stops. The version that works is usually a smaller automatic monthly investment that never gets skipped, plus a real emergency fund so one bad month does not become a credit card balance at 25%. Lo explicamos aquí en español.
Do you actually meet clients from Pomona, or is this page just for search?
We meet them. Our office is at 12838 Rosecrans Ave in Norwalk, about 26.6 miles from Pomona — clients come to us, we come to them, or we meet by video, and evening appointments can be arranged. What we will not do is claim an office in Pomona that does not exist. Call (657) 571-2607. We are registered as an investment adviser in California.
What is the account minimum?
There isn't one to open. We ask for $50 a month of continuing deposits, because a plan you do not fund is not a plan. Our fee is 1.5% to 2.0% of assets under management per year, billed quarterly, and it is published — which is more than most firms in this market will tell you before a meeting.
¿Atienden en español?
Sí. Atendemos en español, y buena parte de nuestro material existe en español, escrito originalmente, no traducido por máquina.