Aduna Capital is a fee-only fiduciary investment adviser serving Walnut from our Norwalk office, 18.5 miles away — at your business, by video, or across our table. We design retirement plans for Walnut's business owners under the state mandate, advise Walnut Valley USD staff on CalSTRS decisions, and plan college and retirement together, at a published 1.5%–2.0% fee.
- Fee-onlyno commissions
- No account minimumfor investment management
- English & Spanishnatively
- Accepting new clientsIn person in Norwalk, by video, or at your Walnut business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Walnut, CA fiduciaries?
No, and high-income suburbs like Walnut hear from an especially confident class of non-fiduciary: the bank platform representative, the insurance producer with a college-funding seminar, the broker whose firm manufactures the funds he recommends. All may legally answer to a suitability standard while calling themselves financial advisors. A fiduciary answers to a higher one — your interests first, at all times — and asking a prospective adviser to confirm their standard in writing is the fastest sorting question there is.
Ours, in writing: Aduna Capital is a registered investment adviser, a fiduciary at all times, and fee-only — the schedule is published below, and the record is public at adviserinfo.sec.gov.
Who we work with in Walnut
Walnut is a high-income, predominantly Asian-American suburb of about 28,600 people with a median household income of $129,449 — and a defining institution: Walnut Valley Unified, the school district families move here for. The financial life of the city follows from those two facts:
- Professional and business-owner households. Like neighbouring Diamond Bar, Walnut runs deep with owner-operated practices and family businesses. For owners, the state retirement mandate is an opportunity disguised as paperwork: a properly designed 401(k) shelters far more than CalSavers — which, as a Roth IRA, often excludes high-income owners outright. CalSavers for Walnut employers shows the arithmetic.
- Walnut Valley USD educators and staff. The district that anchors the city also employs a lot of it — CalSTRS members facing 403(b) cost questions now and permanent survivor elections later. We model both.
- Families planning around education and generations. College funding sequenced against retirement, first accounts for adult children, and beneficiary and trust coordination so the documents and the accounts agree.
Our $0 minimum is unusual at this income level and deliberate: the same fiduciary standard for the household's college student as for its founders.
The Walnut picture we know
Business & practice owners
Safe-harbor 401(k)s, SECURE 2.0 startup credits, and why CalSavers' income limits change the maths for owners.
Walnut Valley USD staff
CalSTRS benefit structures, service credit purchases, and the survivor election you make exactly once.
College-and-retirement households
Funding education without quietly spending the retirement — one plan, both goals, honest trade-offs.
Career movers
401(k) rollovers by direct transfer, with pro-rata and backdoor-Roth consequences checked before anything moves.
Fifteen minutes, no cost, no obligation
Bring a competing proposal if you have one — published fees make comparison easy, and we will concede the points theirs wins.
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 Walnut clients
Our office is in Norwalk, not Walnut — our principal office, with no satellite pins, no borrowed conference-room addresses:
Aduna Capital LLC
12838 Rosecrans Ave, Norwalk, CA 90650
(657) 571-2607
From Walnut it is the 60 or 57 to the 605 corridor and down to Rosecrans. That is roughly 18.5 miles from Walnut, and we would rather say so plainly than imply a local presence we do not have. Clients at this distance work with us three ways: at the Norwalk office, on Rosecrans between Pioneer and Studebaker with parking on site; at your business or workplace, which is how most employer retirement-plan work happens anyway; or by video, which many people prefer for everything after a first in-person meeting. Evening appointments are available whichever you choose.
Common questions from Walnut
You are nearly 19 miles away. How does working together actually look?
Mostly at your business or by video, with the Norwalk office available whenever you want to meet across a table — evening appointments included. We would rather tell you the distance plainly than rent a Walnut address to look closer than we are.
We are saving for college in WVUSD and for retirement at the same time. Which wins?
Retirement, structurally — there are loans for college and none for retirement — but the honest answer is a sequence, not a slogan: employer match first, then tax-advantaged retirement space, then 529 funding sized to what remains. We model your actual numbers.
I own a business here. Is the CalSavers mandate satisfied if I just register?
Yes, registration satisfies the mandate — but at Walnut income levels the owner frequently cannot contribute to CalSavers at all, which makes a sponsored 401(k) worth pricing. The comparison is free and takes one payroll census.
Do you advise on accounts we keep elsewhere, like a workplace 401(k)?
Yes — planning covers the whole household, including plans we do not manage. Your assets stay with independent custodians in your name either way.