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 discretionary investment management to individuals (including high‑net‑worth clients), as well as to retirement plans and other institutional entities; the firm also offers participant education and can serve in ERISA fiduciary roles for plans. As of early 2026 the firm reported approximately $917 million in assets under management and notes a $1,000,000 account minimum that it may waive in its discretion.
The firm follows a disciplined, value‑oriented investment process that combines fundamental, technical and cyclical analysis and uses both internally constructed portfolios and third‑party model portfolios with ongoing supervision and periodic review. Mraz and Associates also assists clients with planning topics that include securities‑backed lines of credit (SBLOCs), discloses the conflicts and specific risks associated with those loans, and may recommend outside managers or models for portions of client assets.
Distinctive aspects of the firm include a relatively small advisory team (five advisors) managing nearly $1 billion in discretionary AUM, and explicit new disclosures about political risk, AI risk, and cybersecurity. The brochure also discloses use of AI tools for service delivery and meeting transcription (with an opt‑out available) and describes custodial relationships and custodian‑provided services that could create conflicts of interest.
Client services
Expertise
Fee options
Financial plans generally range from $1,000 to $5,000 depending on services; flat fees negotiable
$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 for non-investment advisory clients charged $250 per hour
Account minimum: $1,000,000 Fee-only: Financial planning services for non-investment advisory clients at $250 per hour; financial plans generally range from $1,000 to $5,000 depending on scope
Main office
1120 13th Street, Suite C
Modesto CA 95354
Advisors at this office
5
Most active in
California · Colorado · Idaho · Oregon · 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 credential with five years of industry experience. He has worked at Mraz, Amerine & Associates, Inc. since 2020 and was previously employed by Conterra Wine Co., LLC for nine years. Mraz and Associates provides financial planning, consulting, and discretionary investment management services to individuals, retirement plans, and institutional clients. The firm manages nearly $1 billion in assets with a value-oriented investment approach that integrates fundamental, technical, and cyclical analysis.
David M
Series 63, Series 65
Modesto, CA
Mraz and Associates
David Mraz is a financial advisor at Mraz and Associates in Modesto, CA, with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley and Concert Wealth Management before joining his current firm, where he has been since 2011. Mraz and Associates is a five-advisor team managing nearly $1 billion in discretionary assets, providing financial planning, consulting, and investment management to individuals, retirement plans, and institutional clients. The firm employs a disciplined, value-oriented investment process that incorporates fundamental, technical, and cyclical analysis, and offers services including participant education and ERISA fiduciary roles.
Angela G
Series 65
Modesto, CA
Mraz and Associates
Angela Gomez Guerrero is a financial advisor at Mraz and Associates with a Series 65 designation and one year of industry experience. Prior to joining Mraz and Associates, she held various roles including positions at the University of California - Davis and retail companies. Mraz and Associates provides financial planning, consulting, and discretionary investment management to individuals, retirement plans, and other institutional clients. The firm employs a disciplined, value-oriented investment process combining fundamental, technical, and cyclical analysis, managing nearly $1 billion in assets with a small team of five advisors.
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 the Series 65 designation and has been with Mraz, Amerine & Associates, Inc. since 2014. Mraz and Associates provides financial planning, consulting, and discretionary investment management to individuals, including high-net-worth clients, as well as retirement plans and other institutional entities. The firm follows a disciplined, value-oriented investment approach that integrates fundamental, technical, and cyclical analysis, managing nearly $1 billion in discretionary assets through a small team of five advisors.
Deidre M
Series 63, Series 65
Modesto, CA
Mraz and Associates
Deidre Mraz is a financial advisor at Mraz and Associates in Modesto, CA, holding Series 63 and Series 65 licenses with 19 years of industry experience. Her prior roles include positions at Concert Wealth Management, Inc. and Morgan Stanley & Co. LLC. She has been with her current firm, previously known as Mraz, Amrine & Associates, for 15 years. Mraz and Associates provides financial planning, consulting, and discretionary investment management services to individuals, retirement plans, and institutional clients. The firm employs a disciplined, value-oriented investment process that integrates fundamental, technical, and cyclical analysis, managing nearly $1 billion in assets with a small team of five advisors.
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