Aduna Capital is a fee-only fiduciary investment adviser serving Westminster from our Norwalk office, 14.4 miles away. We design owner-only and small-group retirement plans for Little Saigon's nail salons, restaurants and medical and dental practices, handle CalSavers mandate compliance using the program's official Vietnamese-language materials, and advise CalPERS, OCERS and CalSTRS members — our own advice is delivered in English and Spanish.
- Fee-onlyno commissions
- No account minimumfor investment management
- English & Spanishnatively
- Accepting new clientsIn person in Norwalk, by video, or at your Westminster business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Westminster, CA fiduciaries?
No. Westminster's business community runs on relationships — and relationship selling is precisely how non-fiduciary financial products move through immigrant business networks: the policy bought from an acquaintance, the "plan" recommended by whoever gets the commission. The legal dividing line is the fiduciary standard, which forbids exactly that arrangement: a fiduciary must place your interests above their own pay, and put every conflict in writing.
Aduna Capital holds that standard everywhere, for everyone. We are a registered investment adviser, fee-only — no commissions, no product revenue, no referral fees — and our record is public at adviserinfo.sec.gov.
Who do we work with in Westminster?
Westminster is the heart of Little Saigon — home to one of the densest Vietnamese-American business economies in the country — with about 90,500 residents and a median household income of $81,403. For a firm that specialises in small-business retirement plans, it is a standout market: an extraordinary concentration of restaurants, nail salons, and medical, dental and professional offices, nearly all family-owned, nearly all now covered by the state retirement mandate.
- Owner-only and small-group plans. Westminster's business base is exactly where owner-focused design matters most: a Solo 401(k) for the owner-operator, a safe-harbor 401(k) for the practice with staff, and honest arithmetic on when the free state program is actually the expensive choice. CalSavers for Westminster employers is the starting point.
- Salon and restaurant payrolls. Tipped income, part-time schedules and family employees make eligibility and enrollment genuinely tricky — and make the penalty exposure (up to $750 per eligible employee) worth taking seriously.
- Households and public employees. First portfolios at $0 to open, plus the OC pension map: city staff in CalPERS, County of Orange workers in OCERS, district educators in CalSTRS — modelled before elections become permanent.
Language, stated plainly: we advise in English and Spanish, not Vietnamese. CalSavers publishes its official employer and saver materials in Vietnamese, and we build enrollment around those documents so your staff can read the paperwork in their own language while our advice to you runs in English.
The Westminster employer picture we know
Nail salons & restaurants
Mandate compliance for tipped, part-time and family payrolls — with official Vietnamese-language CalSavers materials in the packet.
Medical, dental & professional offices
Safe-harbor 401(k)s that let the owner contribute several times what CalSavers' Roth IRA allows.
Owner-operators
Solo 401(k) versus SEP for the one-person business — compared on your real numbers, not a brochure's.
Public employees
CalPERS, OCERS and CalSTRS members: tiers, service credit, and the survivor election you make once.
Fifteen minutes, no cost, no obligation
Owners: bring the headcount and the payroll question. You will leave knowing exactly what the mandate requires of you.
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 Westminster clients
We do not have an office in Westminster, 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 405 to the 605 north, or Beach Boulevard the whole way — plan on about twenty-five minutes. That is roughly 14.4 miles from Westminster. 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.
Fourteen miles is fourteen miles, so we run Westminster the practical way: first meetings at your salon, restaurant or practice — where the payroll questions live — reviews by video, and office visits when a decision is big enough to want the table.
Common questions from Westminster
Do you speak Vietnamese?
No, and we will not pretend to. We advise in English and Spanish. What we can honestly offer Westminster's Vietnamese-speaking owners: CalSavers publishes its official employer and employee materials in Vietnamese, we use those documents in every enrollment, and many owner meetings work well with an English-speaking family member in the room. If you need advice delivered in Vietnamese, we are the wrong firm — and we will say so on the phone rather than waste your time.
I own a nail salon with mostly part-time staff. Does the mandate still apply?
Yes — the mandate reaches every California employer with at least one employee, and part-time staff frequently count as eligible. The exposure for doing nothing runs up to $750 per eligible employee. We will map your actual roster against the rules at no charge.
Why would I pay for a 401(k) when CalSavers is free?
Because 'free' describes the employer's out-of-pocket cost, not the owner's opportunity: CalSavers is a Roth IRA with low limits and income caps that often exclude the owner completely. A 401(k) lets you shelter several times more of your own income, and startup tax credits frequently cover most of the early cost. Whether that trade wins depends on your numbers — we run them both ways.
Where are you actually located?
Norwalk — 12838 Rosecrans Avenue, 14.4 miles from Westminster, and that is our principal office. We come to your business for most first meetings and use video for reviews. No Westminster address, no map-pin games.