Mraz and Associates
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$917,491,815
This total excludes 14 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
473
47% high-net worth
Total advisors
5
of 6 employees
Firm size
Team
4-10 advisors or $500M+ in AUM
Average clients per advisor
95
Average account size
$1,939,729
About
Mraz and Associates provides financial planning, consulting, and investment management services to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm reports approximately $917,491,815 in discretionary assets under management and generally requires a $1,000,000 minimum to open an advisory relationship (the firm may waive this requirement).
The firm follows a disciplined, value‑oriented approach that combines fundamental, technical, and cyclical analysis and allocates client assets among mutual funds, individual equity and debt securities, and the securities components of variable annuities. Portfolios are continuously supervised, may use third‑party model portfolios, permit reasonable client restrictions, and receive formal portfolio reviews at least biennially with annual client contact.
Distinctive operational disclosures include assistance arranging securities‑backed lines of credit (SBLOCs) with specific conflict‑of‑interest and risk disclosures, and the use of AI tools for certain services and meeting transcriptions with an opt‑out option for clients. The firm also reports managing essentially all assets on a discretionary basis (disclosing $0 in non‑discretionary AUM) and routinely recommends Charles Schwab as custodian while receiving institutional services and support from Schwab.
Client services
Financial planning
Portfolio management
Expertise
Wealth management
Retirement plans for business owners (SEP, solo 401k)
Social Security optimization
Occupation focus
Retired
Founder/Business Owner
Fee options
Financial plans generally range from $1,000 to $5,000 depending on scope and services.
$0 - $500,000: 1.25% $500,001 - $2,499,999: 1.00% $2,500,000 - $4,999,999: 0.90% $5,000,000 - $14,999,999: 0.70% $15,000,000+: 0.50%
Financial planning services charged at $250 per hour for non-investment advisory clients.
Account minimum: $1,000,000 Fee-only: Financial planning services: $250 per hour for non-investment advisory clients; financial plans generally range from $1,000 to $5,000, negotiable.
Main office location
Mraz and Associates
1120 13 Th Street, Suite C
Modesto CA 95354, United States
Number of offices
1
Most active in
Mraz and Associates has reported serving >5 clients in these states in the last 12 months.
California · Colorado · Idaho · Texas · Washington
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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