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Mine & Arao Wealth Creation and Management
Mine & Arao Wealth Creation and Management was established in 1999 by Noel Mine and Peter Arao and is headquartered in Campbell, California.
Mine & Arao Wealth Creation and Management
Mine & Arao Wealth Creation and Management was established in 1999 by Noel Mine and Peter Arao and is headquartered in Campbell, California. The firm operates as a registered investment adviser (RIA) serving individuals, pension plans, and businesses, with a service model spanning financial planning, tax planning, and discretionary portfolio management. The adviser's regulatory filings indicate a fee-only structure, which removes commission-based conflicts from the client relationship. The firm's investment approach is built around integrated wealth management — combining asset allocation and portfolio construction with in-house tax planning and financial advisory services. The adviser is structured to manage client assets on a discretionary basis, constructing portfolios tailored to individual retirement, estate, and liquidity needs. Client assets are custodied at independent third-party institutions, a standard separation-of-assets practice among registered investment advisers that protects client funds from firm-level balance-sheet risk. The firm has maintained its RIA registration from a single office in Campbell, California, serving a client base concentrated in the South Bay region. Regulatory records do not disclose aggregate regulatory assets under management, and the adviser has maintained a low public profile with minimal marketing presence. A Form ADV filing from March 2024 confirmed the firm's continuing operation as a state-registered investment adviser with no material disciplinary history on record. Mine & Arao operates as a classic small-practice RIA — a structure that embeds the client-facing principals directly in portfolio decisions and tax planning without an intermediary layer of relationship managers. The firm's longevity without expanding into multi-office operations or adjacent product lines suggests a deliberate choice to preserve a concentrated, principal-led service model rather than scaling through acquisition or tuck-in adviser recruitment.
General information
Firm type
Bank / Wealth / Trust
Year founded
1999
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Campbell
Corporate office
Campbell, CA, United States
Frequently asked questions
Is Mine & Arao a single-family office or a registered investment adviser?
Mine & Arao is structured as a registered investment adviser (RIA), not a single-family office. It serves multiple unrelated clients, including individuals, pension plans, and businesses, and is registered with the appropriate state securities regulator. The firm's regulatory filings consistently describe it as an RIA offering financial planning, tax planning, and discretionary portfolio management services.
How does the firm charge for its services?
According to its regulatory filings, Mine & Arao operates on a fee-only basis. This means the firm is compensated directly by clients through advisory fees rather than earning commissions on product sales or third-party referrals. Fee-only structures are generally viewed favorably by institutional allocators and financial planners because they reduce conflicts of interest in investment recommendations.
Who are the principals running the firm?
The firm was co-founded by Noel Mine and Peter Arao, who remain the named principals on regulatory filings. Both individuals serve in investment-advisory and client-facing capacities, directly managing the financial planning, tax strategy, and portfolio management services the firm provides. The small-principal structure means clients interact directly with the decision-makers rather than through a layered relationship-management team.
Does Mine & Arao custody client assets internally?
No. As a registered investment adviser, Mine & Arao does not self-custody client assets — a critical structural protection. Client portfolios are held at independent, qualified third-party custodians, which are typically large financial institutions. The firm maintains discretionary trading authority over those accounts but cannot access or move client funds outside the parameters of its advisory agreement.
What is the firm's geographic footprint?
Mine & Arao operates from a single office in Campbell, California, in the South Bay region of the San Francisco Bay Area. Its client base is primarily local, with no publicly disclosed additional offices or expansion into other geographies. The firm has maintained this single-location structure throughout its operational history since 1999.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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