Aduna Capital is a fee-only fiduciary investment adviser serving Santa Ana — in English and Spanish — from our Norwalk office, 20.8 miles away. We advise County of Orange employees on OCERS elections, help La Cuatro and the city's auto repair, construction and garment businesses meet the CalSavers mandate with bilingual enrollment, and open first portfolios with no account minimum.
- Fee-onlyno commissions
- No account minimumfor investment management
- English & Spanishnatively
- Accepting new clientsIn person in Norwalk, by video, or at your Santa Ana business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Santa Ana, CA fiduciaries?
No, and Santa Ana deserves the blunt version: this is one of the most heavily targeted cities in Southern California for commission-driven financial products sold in Spanish — insurance "retirement plans" pitched at kitchen tables, high-fee annuities sold through community networks. The sellers are legal; the standard is the scandal. Only a fiduciary is required to put your interests ahead of their own compensation — a broker or agent generally is not.
Aduna Capital is a fiduciary in everything we do: a registered investment adviser, fee-only, taking no commissions and selling no products, in either language. Our record is public at adviserinfo.sec.gov — verify us, then demand the same transparency from anyone else.
Who do we work with in Santa Ana?
Santa Ana is Orange County's seat of government and its most Latino big city — about 313,000 residents, 76.7% Hispanic or Latino, median household income $95,118. It is the twenty-plus miles from our office, and we publish a page for it anyway for one reason: almost nobody offers fee-only fiduciary advice to this community in Spanish, and that is most of what we do. Three Santa Anas overlap here:
- The civic city. The county courts and government complex make Santa Ana a city of attorneys, legal staff and county employees. County of Orange workers are OCERS members — not CalPERS, and emphatically not LACERA — with tiers, reciprocity and survivor elections of OCERS' own design. City of Santa Ana staff are the CalPERS members, and district educators are in CalSTRS. We model all three systems before anything becomes permanent.
- The business city. La Cuatro — the Fourth Street commercial corridor — plus one of the region's largest bases of auto repair shops, construction contractors and garment and apparel businesses. Nearly all now face the state retirement mandate. CalSavers for Santa Ana employers explains it in plain English, and we handle the whole conversation in Spanish when that is the language of the shop.
- The first-generation city. Families building wealth no parent could hand down — first Roth IRAs, first brokerage accounts, $0 to open and $50 a month, with every document explained in the language the household actually speaks.
The Santa Ana employer picture we know
County employees & court staff
OCERS tiers, reciprocity and survivor elections — modelled against everything else you own, before you file.
La Cuatro & corridor businesses
Mandate compliance with bilingual enrollment that staff actually complete — CalSavers or your own plan.
Auto repair, construction & garment shops
Plans built for hourly, seasonal and piece-rate payrolls, explained in Spanish on the shop floor.
Attorneys & professionals
401(k) reviews, firm-change rollovers by direct transfer, and coordinated planning for practice owners.
Quince minutos, sin costo, en su idioma
Fifteen minutes, free, in your language — bring the pension statement, the payroll question, or the product someone is selling your family.
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 Santa Ana clients
We do not have an office in Santa Ana, 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
The 5 south runs from our corner of the county straight into central Santa Ana; allow thirty to thirty-five minutes. That is roughly 20.8 miles from Santa Ana. 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.
Twenty-plus miles deserves candour, so engagements here usually begin at your business or by video, with office visits saved for the decisions that merit the drive. If you want a Santa Ana storefront, we are not it.
Common questions from Santa Ana
¿Puedo trabajar con ustedes completamente en español?
Sí — llamadas, reuniones, documentos y las juntas de inscripción para sus empleados. El español no es una traducción aquí; es la mitad de la práctica. Empiece en nuestra página en español o llame al (657) 571-2607.
I work for the County of Orange. Is my pension the same as my cousin's at LA County?
No — you are in OCERS and your cousin is in LACERA, and the two systems differ in tiers, formulas and election rules. We model OCERS benefits specifically, including reciprocity if your career crossed systems, and we are affiliated with neither.
I own a shop on La Cuatro 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 qualified plan and certify an exemption — ignoring it risks up to $750 per eligible employee. We run your numbers both ways and handle employee enrollment in Spanish and English, at your shop.
Aren't you too far away to be useful?
That is for you to judge, and we will not shade the facts: our principal office is 20.8 miles away in Norwalk. In practice we meet Santa Ana clients at their business, run reviews by video, and drive in for the meetings that matter. Distance has not stopped the work; dishonesty about it would.
Someone sold my parents an annuity at church. Can you look at it?
Please bring it before another premium goes in. We will read what it costs, what it actually guarantees, and what the exit penalties are — in Spanish with your parents present — and we earn nothing whichever way the answer comes out.