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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Mine & Arao Wealth Creation and Management invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Mine & Arao Wealth Creation and Management?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Mine & Arao Wealth Creation and Management get paid?","answer":"Mine & Arao Wealth Creation and Management is paid through a percentage of assets under management and hourly charges. 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}