Mine & Arao Wealth Creation and Management, LLC

Updated today

Find your advisor

Client assets under management

$334,308,212

Clients

220

50% high-net-worth

Advisors

of 4 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

110

Very High

Average account size

$1,519,583

About

Mine & Arao Wealth Creation & Management serves individual investors, pension plans, and businesses, with the vast majority of its clientele drawn from an affiliated CPA tax practice. The firm offers discretionary investment management together with financial planning and tax, retirement, and estate planning services.

Its investment approach is centered on comprehensive asset allocation that considers age, risk tolerance, and short- and long‑term capital needs, with portfolios constructed from mutual funds, ETFs, individual stocks, bonds and CDs. The firm generally maintains a low‑turnover posture, monitors allocations periodically, and explicitly factors transaction costs and tax consequences into portfolio decisions.

What distinguishes the firm from many peers is its formal affiliation with an accounting practice and the extent to which investment advice is integrated with tax and bookkeeping work; firm principals hold CPA and Personal Financial Specialist credentials and meet with clients routinely during tax season. Clients are free not to use the accounting affiliate, but the dual relationship is a central feature of how the firm operates and is disclosed as a potential conflict of interest.

Client services

Financial planning Portfolio management

Expertise

General tax planning

Fee options

Percentage

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

Project-based

Financial planning fees start at $300 per hour, negotiated based on scope and complexity

Other

Account minimum: $100,000 (waivable at firm's discretion)

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

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

Not sure where to start?

We'll help you think it through — whether you ultimately need an advisor or not.

Warmer helps you compare advisors clearly — so you can choose with confidence.

Find your advisor

Discover

Compare top advisor firms by metric, firm size, and location.

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

Find the right match for you

Answer a few quick questions and we'll tailor results to your goals, so you can hire smarter.

Find your advisor

A smarter way to hire an advisor

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may — or may not — fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained

We review rigorously and transparently

Get to know your advisors' credentials, disciplinary history, specialization, client fit, and communication style. We're selective about who we recommend — and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction — we're here to make sure the relationship works for you.

Our ongoing support