Aduna Capital is a fee-only fiduciary investment adviser serving Whittier from our Norwalk office, 9.1 miles away. We design retirement plans for Whittier's medical, dental and legal practices under the CalSavers mandate, advise Whittier Union educators on CalSTRS decisions, and manage investments with no account minimum — 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 Whittier business
- Fiduciaryin writing, always
- DFPI-registeredCRD #311270
- In business sinceDecember 2020
- Free 15-minute callno obligation
Are all financial advisors in Whittier, CA fiduciaries?
No. Whittier has one of the denser professional clusters in our area — medical, dental and legal practices concentrated around PIH Health Whittier Hospital and Uptown — and professionals are exactly who commission-based "advisors" pursue hardest. The word fiduciary is the dividing line: a fiduciary must put your interests first at all times; a broker or insurance agent generally must only recommend something "suitable."
We sit on the fiduciary side of that line, always, and we are fee-only — no commissions, no product revenue, no referral fees. Our registration and clean record are public at adviserinfo.sec.gov.
Who do we work with in Whittier?
Whittier is a city of institutions — Whittier College, PIH Health Whittier Hospital, Whittier Union High School District — wrapped around the Uptown Whittier historic district and its independent businesses. About 88,000 people live here, median household income $97,201, 67.1% Hispanic or Latino. At nine miles it is the farthest of our core cities from the office, and still a short drive up Norwalk Boulevard.
The work from Whittier splits three ways:
- Practice owners. The city's medical, dental and legal cluster is full of firms with three to twenty employees — squarely inside the state retirement mandate, and squarely in the zone where a safe-harbor 401(k) with SECURE 2.0 startup credits beats the state program. CalSavers for Whittier employers has the comparison.
- Educators and college staff. Whittier Union HSD teachers are CalSTRS members; Whittier College staff typically save through the college's own plan. Both groups face the same quiet problem — retirement products sold on campus whose costs nobody has ever totalled — and both face elections at retirement that are permanent.
- Hospital staff and Uptown business families. PIH Health nurses and staff with 403(b)s and old plans to consolidate, and the family businesses of Uptown and Whittier Boulevard building first-generation wealth — many of whom prefer to do it in Spanish.
Whittier institutions we know
Medical, dental & legal practices
Plan design for professional firms — safe harbor, eligibility, and the startup credits that often cover most of the first three years.
Whittier Union HSD staff
CalSTRS benefit structures, service credit, survivor options — and an honest costing of the 403(b) beside the pension.
PIH Health staff
403(b) reviews and direct-transfer rollovers when you change systems, without the 20% withholding trap.
Uptown & corridor businesses
The mandate reaches every employer with one employee — restaurants and retail included. Register, or sponsor a plan and certify out.
Fifteen minutes, no cost, either language
Organised questions or a shoebox of statements — both are fine. If we are not the right fit, we will say so.
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 Whittier clients
We do not have an office in 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
Norwalk Boulevard runs almost door to door; the 605 works too. That is roughly 9.1 miles from 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 Whittier
I run a dental practice in Whittier. CalSavers or a 401(k)?
For most practices, a 401(k) — because the owner can contribute up to $24,500 rather than a Roth IRA's $7,500, can match, and can capture SECURE 2.0 credits that often offset most early costs. But the honest answer depends on your census and your own income; we run both columns and show you.
I teach at a Whittier Union school. What should I look at before retiring?
Three things, in order: which CalSTRS benefit structure you are under, what your survivor election will cost and protect, and what the 403(b) beside your pension actually charges. The first two are permanent once made. We model them with you; we are not affiliated with CalSTRS or the district.
Is nine miles too far for you to actually serve Whittier?
No — Whittier clients either drive down Norwalk Boulevard to the office, about fifteen minutes, or we come to their home or practice. What we will not do is put a fake Whittier office pin on a map.
¿Atienden en español?
Sí, completamente — la llamada, las reuniones y los materiales escritos. Nuestra página en español está aquí.
What does the first conversation cost?
Nothing — fifteen minutes, no obligation, and no follow-up pressure. You leave with more clarity than you came with, whether or not we ever work together.