# Mine & Arao Wealth Creation and Management, LLC

> 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.

- CRD: 118319
- Filed as: MINE & ARAO WEALTH CREATION AND MANAGEMENT, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Campbell, CA
- Filing period: October 2026
- Form ADV filing dated: April 15, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/118319
- AdvisorCensus page: https://advisorcensus.com/firm/mine-and-arao-wealth-creation-and-management-llc-campbell-ca-118319

## Quick answers

**How is Mine & Arao Wealth Creation and Management, LLC compensated?**
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.

**How much does Mine & Arao Wealth Creation and Management, LLC charge?**
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.

**Where is Mine & Arao Wealth Creation and Management, LLC located?**
Mine & Arao Wealth Creation and Management, LLC's principal office is in Campbell, CA, according to its Form ADV.

**Is Mine & Arao Wealth Creation and Management, LLC registered with the SEC or a state?**
Mine & Arao Wealth Creation and Management, LLC is an SEC-registered investment advisory firm, registered since 2018. Status as filed: Approved. CRD 118319.

**How much does Mine & Arao Wealth Creation and Management, LLC manage?**
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).

**How have Mine & Arao Wealth Creation and Management, LLC's assets and staff changed since 2021?**
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.

**What types of clients does Mine & Arao Wealth Creation and Management, LLC serve?**
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).

**Which custodians does Mine & Arao Wealth Creation and Management, LLC use?**
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.

**Does Mine & Arao Wealth Creation and Management, LLC report any disciplinary disclosures?**
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

**Does Mine & Arao Wealth Creation and Management, LLC state an account minimum?**
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."

**What changed in Mine & Arao Wealth Creation and Management, LLC's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $292,369,594 to $338,062,502 (+16%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated April 15, 2026)

- Up to $5,000,000: 0.6% a year
- Above $5,000,001: 0.4% a year

> 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%

- Account minimum: $100,000 (the brochure says it may be waived or negotiated)

> Generally, we require that clients maintain $100,000 under management with us. However, we may waive that minimum at our sole discretion.

- Hourly rate: $300 an hour (financial planning services)

> 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.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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.

### Regulatory assets under management (Item 5.F)
- Total: $338,062,502
- Discretionary: $338,062,502
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 109 | $44,905,730 |
| High net worth individuals | 111 | $289,402,482 |
| Corporations or other businesses not listed above | 2 | $3,754,290 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2018 (8 years)
- Employees: 4 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- minearao.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $174,260,743 | 3 | March 25, 2021 |
| October 2022 | $214,238,109 | 3 | March 22, 2022 |
| October 2023 | $183,749,762 | 3 | April 3, 2023 |
| October 2024 | $237,662,116 | 3 | March 26, 2024 |
| October 2025 | $292,369,594 | 4 | March 17, 2025 |
| October 2026 | $338,062,502 | 4 | April 15, 2026 |

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.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $292,369,594 to $338,062,502 (+16%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Mine & Arao Wealth Creation and Management, LLC (CRD 118319): Form ADV filing data as of October 2026.