Mine & Arao Wealth Creation and Management provides financial planning, portfolio management for individuals and small businesses, estate planning, tax planning, and tax preparation. Financial planning was provided to 1–10 clients last fiscal year.
Mine & Arao Wealth Creation and Management reports 222 clients. They include 111 high-net-worth individuals, 109 individual clients, and 2 corporations and other businesses. Of its assets, 100.0% ($338M across 222 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 49% | 13% |
| High-net-worth individuals | 50% | 86% |
| Corporations and other businesses | <1% | 1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 109 | $44.9M | 13.3% | $412K |
| High-net-worth individuals | 111 | $289M | 85.6% | $2.61M |
| Corporations and other businesses | Fewer than 5 | $3.75M | 1.1% | $1.88M |
| Total | 222 | $338M | 100% | — |
- Clients
- 109
- Regulatory AUM
- $44.9M
- AUM share
- 13.3%
- Avg. per client
- $412K
- Clients
- 111
- Regulatory AUM
- $289M
- AUM share
- 85.6%
- Avg. per client
- $2.61M
- Clients
- Fewer than 5
- Regulatory AUM
- $3.75M
- AUM share
- 1.1%
- Avg. per client
- $1.88M
Total
- Clients
- 222
- Regulatory AUM
- $338M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Mine & Arao Wealth Creation and Management charges 0.40%–0.60% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$5M | 0.60% |
| $5M and above | 0.40% |
Fee details and sources
Other fees
- Financial Planning
- Hourly financial planning rates are negotiated with each client, starting at $300 per hour, invoiced on completion of the written analysis.
John Arao owns 50% to 75% of Mine & Arao Wealth Creation and Management. The leadership team of Mine & Arao Wealth Creation and Management includes Chief Compliance Officer Bud Mine. It has 4 employees, 2 of them in advisory roles.
Leadership
- Bud MineManaging Member/ Chief Compliance Officer
- John AraoManaging Member
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
- John Takeo Arao
- Bud Thomas Mine
Staff
- 4 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 50% to 75% of Mine & Arao Wealth Creation and Management, LLC
John Arao
Control person · since January 1999
- Owns 50% to 75% of Mine & Arao Wealth Creation and Management, LLC
Bud Mine
Control person · since January 1999
Mine & Arao Wealth Creation and Management’s regulatory assets grew 1.9× from $174M (March 2021) to $338M (April 2026); clients rose from 182 to 222 and employees from 3 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| April 2026 | $338M | 222 | 4 | 1 |
| March 2025 | $292M | 205 | 4 | 1 |
| March 2024 | $238M | 197 | 3 | 2 |
| April 2023 | $184M | 190 | 3 | 2 |
| March 2022 | $214M | 180 | 3 | 2 |
| March 2021 | $174M | 182 | 3 | 1 |
Besides its headquarters, Mine & Arao Wealth Creation and Management has 0 offices, with 1 listed address in California.
California · 1 listed address
- 901 Campisi Way, Suite 140, CampbellHQ
Contact and registration details
- Legal name
- Mine & Arao Wealth Creation and Management, LLC
- Headquarters
- 901 Campisi Way, Suite 140, Campbell, CA 95008
- Website
- minearao.com
- Phone
- 408-377-7414
- SEC file
- 801-113885
- Structure
- California LLC
- Fiscal year end
- December
Mine & Arao Wealth Creation and Management uses Charles Schwab ($323M) as custodian for its separately managed accounts. Mine & Arao Wealth Creation and Management has custody of $70.6M in client assets for 111 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $323M100%
At year end, Mine & Arao Wealth Creation and Management’s separately managed accounts were mostly in funds (51%) and stocks (27%). Its reported 13F holdings for the quarter ended 30 June 2026 total $276M across 78 positions; the largest are Invesco Qqq TR (18.6%), State Str SPDR S&P 500 ETF T (15.1%) and State Str SPDR Dow Jones Ind (9.9%).
What the accounts hold
- Stocks27%
- Funds51%
- Bonds15%
- Cash7%
Reported 13F holdings
- $276M
- Reported 13F value
- 78
- Positions
- 76.4%
- In the 10 largest
- +15.8%
- Value vs. prior quarter
- Invesco Qqq TR · Unit Ser 118.6%
- State Str SPDR S&P 500 ETF T · TR Unit15.1%
- State Str SPDR Dow Jones Ind · UT Ser 19.9%
- Apple Inc.9.1%
- Nvidia Corporation6.1%
- Amazon Com Inc.5.5%
- Alphabet Inc. · Cap Stk CL C4.5%
- JPMORGAN Chase & CO3.1%
- SPDR Series Trust · ST Str SP Div2.5%
- Visa Inc. · Com CL A2.0%
Together, the ten largest are 76.4% of reported value.
How many clients does Mine & Arao Wealth Creation and Management have?
Mine & Arao Wealth Creation and Management has 222 clients and manages $338 million for them, as of April 2026. They include 111 high-net-worth individuals, 109 individual clients, and 2 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 15 April 2026
What services does Mine & Arao Wealth Creation and Management offer?
Mine & Arao Wealth Creation and Management provides financial planning, portfolio management for individuals and small businesses, estate planning, tax planning, and tax preparation.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Mine & Arao Wealth Creation and Management charge?
Mine & Arao Wealth Creation and Management charges 0.40%–0.60% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.
Source: DISCLOSURE DOCUMENT FOR ALL CLIENTS, filed 15 April 2026
Which custodians does Mine & Arao Wealth Creation and Management use?
Mine & Arao Wealth Creation and Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $323M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 15 April 2026
How many financial advisors does Mine & Arao Wealth Creation and Management have?
Mine & Arao Wealth Creation and Management has 2 investment adviser representatives registered with state securities authorities, out of 4 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Mine & Arao Wealth Creation and Management invest in?
At the end of its last fiscal year, Mine & Arao Wealth Creation and Management’s separately managed accounts held 51% registered funds (mutual funds, ETFs, BDCs), 27% exchange-traded equities, 15% U.S. government and agency bonds and 7% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Mine & Arao Wealth Creation and Management?
Mine & Arao Wealth Creation and Management’s direct owners are John Arao (50% to 75%) and Bud Mine (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 15 April 2026
How does Mine & Arao Wealth Creation and Management get paid?
Mine & Arao Wealth Creation and Management is paid through a percentage of assets under management and hourly charges. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Mine & Arao Wealth Creation and Management?
Mine & Arao Wealth Creation and Management’s main office is at 901 Campisi Way, Suite 140, Campbell, CA 95008. Its phone number is 408-377-7414. Its website is minearao.com.