- Fee-onlyno commissions
- No account minimumfor investment management
- English & Spanishnatively
- Accepting new clientsIn person in Norwalk, by video, or at your Porter Ranch business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
We work with Porter Ranch families in the accumulation years: two professional incomes, a large mortgage, association dues, equity compensation from an employer somewhere else in the county, and college three or four years out. The money question is rarely which fund to buy. It is how much of one household's future is riding on one house and one employer's stock at the same time.
Start with the honest part: we are 46.9 miles from Porter Ranch
We do not have an office in Porter Ranch, and we are not going to imply otherwise with a service-area pin. our principal office is at 12838 Rosecrans Ave in Norwalk, about 46.9 miles away. If a firm's Porter Ranch 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 Porter Ranch 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 Porter Ranch
Porter Ranch is the most recently built place in this batch and it reads that way: planned streets above Rinaldi and Sesnon, associations with real dues, the Vineyards and the Town Center for shopping, a country club, and schools that people move here specifically for. The median household income of $148,281 is the second highest of the thirteen neighbourhoods on these pages, and the households behind it are overwhelmingly two-earner, mid-career and mid-mortgage. Almost nobody works in Porter Ranch. They work in Chatsworth and Simi Valley, in Burbank, on the Westside, or on a laptop, and the commute is a design constraint on the entire family week.
High income at this stage does not mean financial slack. The fixed monthly obligations here — mortgage, property tax, association dues, two cars, tutoring, sport, insurance — consume a very large share of gross pay, and what is left over often lands in the employer's plan on autopilot and nowhere else. Meanwhile restricted stock keeps vesting into an already concentrated position, because selling it feels like disloyalty or like calling the top. Add a house at Porter Ranch prices and a startling proportion of the family balance sheet turns out to depend on two things the family does not control.
Residents do not need a financial adviser's website to tell them about the Aliso Canyon storage field above the community; the events of 2015 and 2016 are a matter of public record and we have nothing useful or responsible to add about health or litigation. What we can be useful about is narrower and entirely within your control: what share of your net worth sits in a single property, how much cash the household should hold, and what the plan does if one income stops.
The local employer base
Employers on the other side of the hill
Porter Ranch is a commuter community. The plans that matter here belong to employers in Burbank, Chatsworth, Simi Valley, Woodland Hills and the Westside — private 401(k)s, restricted stock, employee stock purchase plans, deferred compensation for senior staff. Equity compensation.
Medical, dental and professional practice owners
A substantial number of households here are practice owners commuting to an office elsewhere in the Valley. For an owner over fifty with steady profit, a defined benefit or cash balance plan layered on a 401(k) moves far more money than a 401(k) alone. Cash balance plans.
Los Angeles Unified schools serving the area
Certificated employees at the neighbourhood's LAUSD campuses belong to CalSTRS; classified staff belong to CalPERS. In a two-earner household where one side is public and the other is private with equity comp, coordinating the two is the whole planning exercise. CalSTRS.
Senior staff with deferred compensation
Non-qualified deferred compensation is an unsecured promise from your employer, and the election windows and distribution schedules are unforgiving. It should not be treated as another savings account, and it should never be the largest one. What it actually is.
Public pensions and rollovers
Porter Ranch is a private-plan community with a public-sector minority. CalSTRS and CalPERS reach the school employees; the City of Los Angeles staff who live here are LACERS members. For everyone else the relevant systems are an employer 401(k), a stock plan and possibly deferred compensation — three accounts with three different tax treatments and three different sets of rules about when you may touch them. Sequencing withdrawals between them is where most of the avoidable tax gets paid. Model the withdrawal order.
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 Porter Ranch 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.
Porter Ranch questions
Most of our net worth is this house and my RSUs. Is that a problem?
It is a concentration, and concentration is a risk you are taking whether or not you decided to take it. We will not tell you your employer's stock is going to fall — nobody knows that, and any adviser who claims to should worry you. What we will do is size the exposure honestly, look at the tax cost of reducing it in stages, and check what happens to the household if the house and the shares have a bad year together. How allocation works.
Our association dues and property tax cost more than our first mortgage payment ever did.
That is the standard Porter Ranch cash-flow shape, and it is manageable once it is written down. The number that matters is not income, it is committed monthly outflow as a share of take-home pay — because that is what decides how long the household survives one income stopping. Start with take-home pay, then size the reserve against the commitments rather than against a rule of thumb.
Should we be paying the mortgage down faster or investing more?
There is no universal answer and anyone who gives you one quickly is selling something. It turns on your rate, your marginal bracket, how secure both incomes are, and how much liquidity you would still have afterwards — a paid-down mortgage is not money you can reach in an emergency without borrowing it back. We work it through with your actual numbers rather than a rule. Fifteen minutes, no cost.
Do you actually meet clients from Porter Ranch, or is this page just for search?
We meet them. Our office is at 12838 Rosecrans Ave in Norwalk, about 46.9 miles from Porter Ranch — 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 Porter Ranch 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.