Mine & Arao Wealth Creation and Management

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 SEC-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.