{
  "crd_number": 118319,
  "slug": "mine-and-arao-wealth-creation-and-management-llc-campbell-ca-118319",
  "primary_business_name": "MINE & ARAO WEALTH CREATION AND MANAGEMENT, LLC",
  "legal_name": "MINE & ARAO WEALTH CREATION AND MANAGEMENT, LLC",
  "dbas": [],
  "city": "Campbell",
  "state": "CA",
  "country": "United States",
  "cbsa_code": "41940",
  "metro": {
    "cbsa_code": "41940",
    "common_name": "San Jose",
    "msa_name": "San Jose-Sunnyvale-Santa Clara, CA",
    "path": "/advisors/ca/san-jose"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2018-08-24",
  "years_registered": 8,
  "period": "2026-10-01",
  "filing_date": "2026-04-15",
  "carried_forward": false,
  "raum_total": 338062502.0,
  "raum_discretionary": 338062502.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 4,
  "advisory_employees": 2,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "individuals": {
      "raum": 44905730.0,
      "count": 109
    },
    "high_net_worth_individuals": {
      "raum": 289402482.0,
      "count": 111
    },
    "corporations_other_businesses": {
      "raum": 3754290.0,
      "count": 2,
      "fewer_than_5": true
    }
  },
  "compensation_types": [
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA"
  ],
  "websites": [
    "https://minearao.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/118319",
  "city_as_filed": "CAMPBELL",
  "url": "https://advisorcensus.com/firm/mine-and-arao-wealth-creation-and-management-llc-campbell-ca-118319",
  "display_name": "Mine & Arao Wealth Creation and Management, LLC",
  "summary": "Mine & Arao Wealth Creation and Management, LLC is an SEC-registered investment advisory firm in Campbell, CA, registered since 2018, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated April 15, 2026.",
  "citation": "AdvisorCensus. Mine & Arao Wealth Creation and Management, LLC (CRD 118319): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses"
  ],
  "quick_answers": [
    {
      "q": "How is Mine & Arao Wealth Creation and Management, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Mine & Arao Wealth Creation and Management, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges."
    },
    {
      "q": "How much does Mine & Arao Wealth Creation and Management, LLC charge?",
      "a": "Its Form ADV Part 2A brochure dated April 15, 2026 states: Up to $5,000,000: 0.6% a year; Above $5,000,001: 0.4% a year; Hourly rate: $300 an hour (financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Mine & Arao Wealth Creation and Management, LLC located?",
      "a": "Mine & Arao Wealth Creation and Management, LLC's principal office is in Campbell, CA, according to its Form ADV."
    },
    {
      "q": "Is Mine & Arao Wealth Creation and Management, LLC registered with the SEC or a state?",
      "a": "Mine & Arao Wealth Creation and Management, LLC is an SEC-registered investment advisory firm, registered since 2018. Status as filed: Approved. CRD 118319."
    },
    {
      "q": "How much does Mine & Arao Wealth Creation and Management, LLC manage?",
      "a": "Mine & Arao Wealth Creation and Management, LLC reports $338,062,502 in regulatory assets under management in its Form ADV filing dated April 15, 2026 (100% discretionary)."
    },
    {
      "q": "How have Mine & Arao Wealth Creation and Management, LLC's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Mine & Arao Wealth Creation and Management, LLC: Regulatory assets under management: $174,260,743 in the October 2021 data and $338,062,502 in the October 2026 data, up 94%. Total employees: 3 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Mine & Arao Wealth Creation and Management, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: high net worth individuals (111); individuals (other than high net worth individuals) (109); corporations or other businesses not listed above (2)."
    },
    {
      "q": "Which custodians does Mine & Arao Wealth Creation and Management, LLC use?",
      "a": "Mine & Arao Wealth Creation and Management, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Mine & Arao Wealth Creation and Management, LLC report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/118319"
    },
    {
      "q": "Does Mine & Arao Wealth Creation and Management, LLC state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated April 15, 2026 says: \"Generally, we require that clients maintain $100,000 under management with us. However, we may waive that minimum at our sole discretion.\""
    },
    {
      "q": "What changed in Mine & Arao Wealth Creation and Management, LLC's recent Form ADV filings?",
      "a": "In the April 2026 filing data: Regulatory assets under management went from $292,369,594 to $338,062,502 (+16%)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 174260743.0,
      "total_employees": 3,
      "filing_date": "2021-03-25"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 214238109.0,
      "total_employees": 3,
      "filing_date": "2022-03-22"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 183749762.0,
      "total_employees": 3,
      "filing_date": "2023-04-03"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 237662116.0,
      "total_employees": 3,
      "filing_date": "2024-03-26"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 292369594.0,
      "total_employees": 4,
      "filing_date": "2025-03-17"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 338062502.0,
      "total_employees": 4,
      "filing_date": "2026-04-15"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Regulatory assets under management went from $292,369,594 to $338,062,502 (+16%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated April 15, 2026",
    "provided_by_the_firm": false,
    "tiers": [
      {
        "band": "Up to $5,000,000",
        "rate": "0.6%"
      },
      {
        "band": "Above $5,000,001",
        "rate": "0.4%"
      }
    ],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$100,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $300 an hour (financial planning services)"
    ],
    "figures": [
      {
        "label": "Fee schedule",
        "statements": [
          "Up to $5,000,000: 0.6% a year",
          "Above $5,000,001: 0.4% a year"
        ],
        "quotes": [
          "Asset management fees are generally based on a percentage of assets under management in accordance with the following schedule: Account Value Annual Fee On the first $5,000,000 0.6% $5,000,001 + 0.4%"
        ]
      },
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $100,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "Generally, we require that clients maintain $100,000 under management with us. However, we may waive that minimum at our sole discretion."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $300 an hour (financial planning services)"
        ],
        "quotes": [
          "Hourly rates for financial planning services are negotiated with each client based on the scope and complexity of the requested services; fees start at $300 per hour."
        ]
      }
    ],
    "values": {
      "tiers": [
        {
          "min": 0.0,
          "max": 5000000.0,
          "rate_pct": 0.6
        },
        {
          "min": 5000001.0,
          "max": null,
          "rate_pct": 0.4
        }
      ],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 100000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": 300.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "financial planning services"
        }
      ]
    },
    "quotes": [
      "Asset management fees are generally based on a percentage of assets under management in accordance with the following schedule: Account Value Annual Fee On the first $5,000,000 0.6% $5,000,001 + 0.4%",
      "Generally, we require that clients maintain $100,000 under management with us. However, we may waive that minimum at our sole discretion.",
      "Hourly rates for financial planning services are negotiated with each client based on the scope and complexity of the requested services; fees start at $300 per hour."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.",
  "markdown_url": "https://advisorcensus.com/firm/mine-and-arao-wealth-creation-and-management-llc-campbell-ca-118319.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 109,
      "fewer_than_5": false,
      "raum": 44905730.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 111,
      "fewer_than_5": false,
      "raum": 289402482.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 2,
      "fewer_than_5": true,
      "raum": 3754290.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/118319",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}