Mine & Arao Wealth Creation and Management, LLC

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Client assets under management

$334,308,212

Clients

220

50% high-net worth

Advisors

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

110

Very High

Average account size

$1,519,583

About

Mine & Arao Wealth Creation & Management primarily serves individual, pension plan and business clients, with the large majority drawn from the firm’s affiliated CPA tax practice. The firm provides financial planning (including tax, retirement, and estate planning) and discretionary asset management, and typically meets clients at least annually—often during tax season.

The firm’s investment approach is a comprehensive, tax-aware asset allocation process that considers age, risk tolerance, and short- and long-term capital needs, implemented mainly through mutual funds, ETFs, individual stocks, bonds and CDs. Portfolios are managed on a discretionary basis with infrequent trading and periodic rebalancing, and the firm monitors holdings for tax-saving opportunities.

What distinguishes the firm from many peers is its formal affiliation with an accounting practice and the fact that nearly all clients are also clients of that CPA firm, creating a concentration of relationships and close integration of tax and investment advice. The firm discloses that its principals spend substantial portions of their time in the CPA practice (approximately 60% and 80% respectively) and maintains operational limits related to custody and check-signing authority; clients are not required to use the CPA services.

Client services

Financial planning Portfolio management

Expertise

General tax planning

Occupation focus

Founder/Business Owner

Fee options

Percentage

$0 - $5,000,000: 0.6% $5,000,001+: 0.4%

Project-based

Up to $300 per hour, negotiated based on scope and complexity

Other

Account minimum: $100,000

Main office location

Mine & Arao Wealth Creation and Management, LLC

901 Campisi Way, Suite 140

Campbell CA 95008, United States

Number of offices

Most active in

California

Disclosures

Business activities & affiliations

Is active or affiliated with:

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 408-377-7414

Advisors at this firm

John A

Series 65

Campbell, CA

Mine & Arao Wealth Creation and Management, LLC

John Arao is a financial advisor at Mine & Arao Wealth Creation and Management, LLC, holding a Series 65 designation with 26 years of industry experience. He is also a partner at Mine & Arao, LLP, a certified public accounting firm providing tax preparation, planning, bookkeeping, and financial statement services. Mr. Arao dedicates approximately 80% of his time to accounting clients. Mine & Arao Wealth Creation & Management serves individual investors, pension plans, and businesses, primarily advising clients who also use their affiliated CPA practice. The firm offers financial planning, retirement and estate planning, and discretionary portfolio management with an investment approach that integrates tax considerations and emphasizes comprehensive asset allocation.

General tax planning Founder/Business Owner

Bud M

Series 65

Campbell, CA

Mine & Arao Wealth Creation and Management, LLC

Bud Mine is a financial advisor with Mine & Arao Wealth Creation and Management, LLC, holding a Series 65 designation and over 26 years of industry experience. He has been with Mine & Arao Wealth Creation & Management since 1999 and is also a partner at Mine & Arao, LLP, a certified public accounting firm where he spends a significant portion of his time providing tax preparation, planning, and related accounting services. Mine & Arao Wealth Creation & Management serves individual investors, pension plans, and business clients, primarily those who are also tax clients of the affiliated CPA firm. The firm offers financial planning, retirement and estate planning, and discretionary portfolio management, with an investment approach that integrates tax considerations and emphasizes comprehensive asset allocation based on client-specific factors.

General tax planning Founder/Business Owner

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