Mraz and Associates
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$872,793,756
Clients
473
Advisors
5
of 6 employees
About
Mraz and Associates provides financial planning, consulting, and portfolio management to individuals (including high‑net‑worth clients), retirement plans, trusts, estates, charitable organizations and business entities. The firm delivers these services under written agreements and is compensated primarily through asset‑based fees and occasional hourly or fixed planning fees.
MAA generally manages client accounts on a discretionary basis and employs a disciplined, value‑oriented process that draws on fundamental, technical and cyclical analysis, internal research and third‑party model portfolios. Portfolios are diversified across asset classes and reviewed on an ongoing basis, with formal portfolio reviews at least biennially and annual client contact for ongoing advisory clients.
Notable features in the brochure include approximately $917.5 million managed on a discretionary basis with a five‑advisor team and a stated $1,000,000 account opening guideline, reflecting a relatively large asset base for a small team. The firm also discloses use of AI tools (including meeting recordings, with an opt‑out), assistance with securities‑backed lines of credit and explicit consideration of political and AI risks, and it provides ERISA plan fiduciary services on either a 3(21) or 3(38) basis.
Client services
Expertise
Fee options
Financial planning fees generally range from $1,000 to $5,000.
$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 fees generally range from $1,000 to $5,000; $250/hour for non-investment advisory clients.
Main office
1120 13th Street, Suite C
Modesto CA 95354
Advisors at this office
5
Most active in
California · Colorado · Idaho · Texas · Washington
Also doing business as
Aviad Wealth Management, Inc. · Mraz And Associates · Mraz, Amerine & Associates, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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.
Advisors at this firm
Christopher M
Series 65
Modesto, CA
Mraz and Associates
Christopher Mraz is a financial advisor at Mraz and Associates in Modesto, CA, holding a Series 65 designation and with five years of industry experience. Prior to his current role, he worked at Conterra Wine Co., LLC for nine years. Mraz and Associates serves individuals, retirement plans, trusts, estates, charitable organizations, and business entities, offering financial planning, consulting, and portfolio management. The firm employs a disciplined, value-oriented investment process with diversified portfolios and manages approximately $917.5 million on a discretionary basis.
David M
Series 63, Series 65
Modesto, CA
Mraz and Associates
David Mraz is a financial advisor with Mraz and Associates in Modesto, CA, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He has been with Mraz, Amrine & Associates since 2011, totaling 15 years at the firm. Mraz and Associates provides financial planning, consulting, and portfolio management to individuals—including high-net-worth clients—as well as retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a value-oriented investment approach combining fundamental, technical, and cyclical analysis, managing approximately $917.5 million on a discretionary basis across a five-advisor team.
Angela G
Series 65
Modesto, CA
Mraz and Associates
Angela Gomez Guerrero is a financial advisor at Mraz and Associates with one year of industry experience. She holds a Series 65 designation and has work experience across multiple sectors, including higher education and retail. Mraz and Associates serves individuals, retirement plans, trusts, estates, charitable organizations, and business entities, managing approximately $917.5 million on a discretionary basis. The firm employs a disciplined, value-oriented investment process and provides fiduciary services, focusing on diversified portfolios and ongoing client review.
Benjamin J
Series 65
Modesto, CA
Mraz and Associates
Benjamin Johnson is a financial advisor at Mraz and Associates with 11 years of industry experience. He holds a Series 65 designation and has been with Mraz, Amerine & Associates, Inc. since 2014. Mraz and Associates offers financial planning, consulting, and portfolio management services to individuals, retirement plans, trusts, estates, charitable organizations, and businesses. The firm employs a disciplined, value-oriented investment process and manages approximately $917.5 million on a discretionary basis through a five-advisor team.
Deidre M
Series 63, Series 65
Modesto, CA
Mraz and Associates
Deidre Mraz is a financial advisor at Mraz and Associates in Modesto, CA, with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Mraz, Amrine & Associates since 2011 and Concert Wealth Management, Inc. since 2008. Mraz and Associates offers financial planning, consulting, and portfolio management services to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm manages approximately $917.5 million on a discretionary basis through a disciplined, value-oriented investment process and serves clients using a five-advisor team.
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