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...

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.

Website

minearao.com

General information

Firm type

Bank / Wealth / Trust

Year founded

1999

Location

Region

North America

Country

United States

City

Campbell

Corporate office

901 Campisi Way, Ste. 140, Campbell, CA 95008, United States

Is Mine & Arao structured as a single family office or a traditional wealth manager?

Mine & Arao is not a family office. It is a registered investment adviser that also provides certified public accounting services — a hybrid wealth management and tax practice. The firm serves individuals, pension plans, and businesses from a single office in Silicon Valley.

Who runs the firm, and what is their professional background?

No principals are publicly named on the firm's website or through available regulatory filings. The absence of named leadership makes it impossible to attribute investment decisions or client relationships to specific individuals.

Does Mine & Arao disclose its assets under management?

No. The firm has not publicly reported its assets under management. Without a disclosed AUM figure or third-party verification, the size of the practice remains unknown.

What is Mine & Arao's approach to portfolio construction?

The firm's website does not detail its investment philosophy or portfolio construction methodology. Given the CPA integration, the approach is likely tax-aware and goals-based, though no specific strategies, asset classes, or manager selections are publicly described.

What types of clients does Mine & Arao typically serve?

Per the firm's own materials, it advises individuals, pension plans, and businesses. The local, single-office presence in Campbell, California, suggests a client base concentrated in the South Bay area of Silicon Valley.

Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: Jul 6, 2026. Continuous refresh with full update cycles at least every 30 days.