Aduna Capital is a fee-only fiduciary investment adviser serving Santa Fe Springs from our Norwalk office, 3.9 miles away. We help the industrial parks' manufacturing, food-processing, trucking and logistics employers meet the CalSavers mandate or sponsor better plans, run enrollment in Spanish and English, and advise the workforce 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 Fe Springs business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Santa Fe Springs, CA fiduciaries?
No. And in a city with far more jobs than residents, the question has two audiences: the workers on the payrolls, and the owners signing them. Retirement products get sold into both — break-room annuity pitches to crews, bundled "free" plans to owners — by salespeople with no legal duty to either. A fiduciary owes that duty at all times.
Aduna Capital is a registered investment adviser, fiduciary always, fee-only — we take nothing from any recordkeeper, fund company or insurer, which matters when you are choosing a plan provider. Verify us at adviserinfo.sec.gov.
Who do we work with in Santa Fe Springs?
Santa Fe Springs is unusual: only about 19,000 people live here, but the Golden Springs and Santa Fe Springs industrial parks make it one of the densest employment centers on Norwalk's border — food manufacturing, trucking, metal fabrication and logistics, with jobs far exceeding residents. Median household income is $88,238, and 78.7% of residents are Hispanic or Latino.
That makes this, more than any other city we serve, employer-plan territory:
- Industrial and logistics employers. Shops of ten to a hundred employees, hourly and shift-based payrolls, and now a state mandate to offer retirement access. Plan design here is about surviving turnover and variable hours — eligibility rules, payroll integration with actual timekeeping systems, and enrollment that works on a warehouse floor. CalSavers for Santa Fe Springs employers is the starting point.
- Spanish-first enrollment. A plan a crew cannot read produces opt-outs, not savings. We run enrollment meetings in Spanish and English, on-site, on the shift schedule that exists rather than the one HR wishes existed.
- Owner-operators and working families. Trucking owner-operators choosing between a SEP and a Solo 401(k), and the households of the industrial workforce — many in neighbouring Norwalk, Whittier and Pico Rivera — building first portfolios with no minimum in the way.
The employer picture we know
Manufacturing & fabrication shops
Mandate compliance and plan design around hourly payrolls, turnover and eligibility rules that keep the census manageable.
Trucking & logistics firms
Plans for mixed employee/owner-operator workforces — and the retirement menu for the owner-operators themselves.
Food manufacturers
Shift-based enrollment in two languages, and 3(21)/3(38) fiduciary service so the liability sits with us, not the owner.
The workforce
401(k) rollovers when jobs change, first IRAs, and plain-language answers — no minimum, in Spanish or English.
An hour on-site is often the fastest start
We will look at your headcount and payroll and tell you plainly whether CalSavers or your own plan wins — no cost.
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 Fe Springs clients
We do not have an office in Santa Fe Springs, 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 industrial parks are minutes away — straight up Norwalk Boulevard or via Rosecrans. That is roughly 3.9 miles from Santa Fe Springs. 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 Santa Fe Springs
We got a CalSavers notice at the shop. What happens if we ignore it?
Penalties: $250 per eligible employee at 90 days after the final notice, rising to $750 total at 180 days. On a thirty-person floor that is up to $22,500 for doing nothing. Registering — or certifying an exemption if you sponsor a plan — is far cheaper than the fine.
Half our crew turns over every year. Doesn't a 401(k) become a paperwork nightmare?
Only if it is designed badly. Eligibility set at one year and 1,000 hours keeps short-tenure workers out of the census, and payroll integration does the rest. Turnover is a design input, not a reason to give up.
Our employees mostly speak Spanish. Can you run enrollment in Spanish?
Yes — natively, not through a translation service. Enrollment meetings, materials and the ongoing questions afterward can all happen in Spanish, on-site, on your shift schedule.
I'm an owner-operator with no employees. Does any of this apply to me?
The mandate generally does not reach owner-only businesses — but that is exactly when a Solo 401(k) or SEP IRA is most valuable, with contribution room far beyond an IRA. Worth twenty minutes before another year of it goes unused.