Aduna Capital is a fee-only fiduciary investment adviser serving the South Whittier community from our Norwalk office, 3.9 miles away. We plan for working homeowner households, set up retirement plans for trades and self-employed workers under the state mandate, and model CalSTRS, CalPERS and LACERA pensions — bilingually, 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 South Whittier business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in South Whittier, CA fiduciaries?
No. The nearest thing to a universal rule in this business is that the title proves nothing — a commissioned annuity seller and a legally bound adviser can hand you identical business cards. What separates them is the fiduciary duty: the obligation, enforceable in law, to put your interests ahead of their own every single time. South Whittier sits closer to our office than almost anywhere we serve, so we will say it plainly here too: ask every adviser, including us, to confirm their standard in writing.
Ours: registered investment adviser, fiduciary at all times, fee-only. The public record is at adviserinfo.sec.gov.
Who we work with in South Whittier
South Whittier is an unincorporated Los Angeles County community of about 55,600 people directly north-east of Norwalk — at 3.9 miles, one of the closest places we serve anywhere. Median household income is a solid $100,800, the community is 78.6% Hispanic or Latino, and the household picture is the one we know best in the world: working families, trades and healthcare paycheques, homeowners and strivers, most of them building wealth their parents never had the chance to.
- Working homeowner families. Households juggling a mortgage, retirement accounts from a couple of employers, and college timelines — wanting one coherent plan instead of scattered products. That is planning work, done bilingually, with no minimum.
- Trades and self-employed workers. Contractors and owner-operators around the community have the widest plan menu — SEP, Solo 401(k) — and the state mandate the day they hire. CalSavers for South Whittier employers covers it plainly.
- Public-system households. Teachers, county workers and hospital staff living in South Whittier carry CalSTRS, CalPERS and LACERA questions home from every direction; the irreversible elections deserve modelling before they are made. Start here.
The South Whittier picture we know
Homeowner households
Mortgage, accounts and college timelines planned together — the kitchen-table pile is welcome.
Trades & self-employed
Solo 401(k) versus SEP for the owner alone, and mandate compliance the day the first employee starts.
Public-pension households
CalSTRS, CalPERS and LACERA benefits modelled with the whole household in view.
Job changers
Old 401(k)s and 403(b)s consolidated by direct transfer, checked for tax traps first.
Fifteen minutes, no cost, either language
You are ten minutes away. Come by, or we will come to you — either way, bring the questions.
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 South Whittier clients
We do not have an office in South Whittier, 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
Carmenita or Norwalk Boulevard makes it about a ten-minute drive. That is roughly 3.9 miles from South Whittier. 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 South Whittier
What actually happens at a first meeting?
You talk, we listen, and together we lay out what you own, what you owe and what you want. Then we tell you honestly whether you need us — sometimes the answer is a one-time fix you can do yourself. Fifteen minutes, free, either language.
¿Hablan español?
Sí — atendemos a muchas familias de South Whittier en español: llamadas, reuniones y documentos. Vea nuestra página en español.
I'm a contractor thinking of hiring my first helper. What changes financially?
Payroll, workers' comp — and the state retirement mandate, which applies from the first employee. It is also the moment to pick your own plan deliberately: a Solo 401(k) stops being available once a non-spouse employee qualifies. Worth a conversation before you hire, not after.
South Whittier isn't a city — does that change anything about working with you?
Nothing at all. It is an unincorporated county community, which matters for services like sheriff and roads, not for financial advice. You are 3.9 miles from our door — closer than most of Norwalk.
Do you charge to look at our current accounts?
No. Bring statements from any employer plan, IRA or old account; the review is free and comes with no obligation.