Mine & Arao Wealth Creation and Management, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$334,308,212
Clients
220
Advisors
2
of 4 employees
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
Expertise
Fee options
$0 - $5,000,000: 0.6% $5,000,001+: 0.4%
Financial planning fees start at $300 per hour, negotiated based on scope and complexity
Account minimum: $100,000 (waivable at firm's discretion)
Main office
901 Campisi Way, Suite 140
Campbell CA 95008
Advisors at this office
2
Most active in
California
Also doing business as
Mine & Arao Wealth Creation And Management · Mine & Arao Wealth Creation And Management, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
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:
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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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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.
Advisors at this firm
John A
Series 65
Campbell, CA
Mine & Arao Wealth Creation and Management, LLC
John Arao is a financial advisor with Mine & Arao Wealth Creation and Management, LLC, holding a Series 65 designation and 27 years of industry experience. He has worked at Mine & Arao Wealth Creation & Management since 1999 and is also a partner in Mine & Arao, LLP, a certified public accounting firm offering tax preparation, planning, and related services. Mine & Arao Wealth Creation & Management serves individual investors, pension plans, and businesses, primarily drawing clients from its affiliated CPA practice. The firm provides discretionary investment management alongside financial planning and tax, retirement, and estate planning, using a comprehensive asset allocation approach that integrates investment advice with tax and bookkeeping services.
Bud M
Series 65
Campbell, CA
Mine & Arao Wealth Creation and Management, LLC
Bud Mine is a financial advisor at Mine & Arao Wealth Creation and Management, LLC, with 27 years of industry experience. He holds a Series 65 designation and has been working at Mine & Arao Wealth Creation and Management since 1999. In addition to his advisory role, Mr. Mine is a partner at Mine & Arao, LLP, a certified public accounting firm providing tax preparation, planning, and bookkeeping services. Mine & Arao Wealth Creation and Management serves individual investors, pension plans, and businesses, largely drawing clients from its affiliated CPA tax practice. The firm offers discretionary investment management combined with financial, tax, retirement, and estate planning services, emphasizing comprehensive asset allocation and integration of investment advice with accounting services.
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