9AT: MINE & ARAO WEALTH CREATION AND MANAGEMENT, LLC

Adviser Profile

As of Date	04/15/2026
Registration	SEC, Approved, 08/24/2018
Other registrations (1)	California, Terminated, 12/09/2018
ADV Location	CAMPBELL, CA, United States
Contact Info	408 xxxxxxx
Websites

AUM^*	338,062,502 42%
of that, discretionary	338,062,502 42%
Number of Employees	4
of those in investment advisory functions	2
Private Fund GAV^*	0
Avg Account Size	1,522,804 208%
% High Net Worth	50.00% 27%
SMA’s	Yes
Private Funds	0

Adviser Type

- Large advisory firm

Client Types

- Individuals (other than high net worth individuals)
- High net worth individuals
- Corporations or other businesses not listed above

Advisory Activities

- Financial planning services
- Portfolio management for individuals and/or small businesses

Compensation Arrangments

- A percentage of assets under your management
- Hourly charges

Adviser	Hedge Fund	Liquidity Fund	Private Equity Fund	Real Estate Fund	Securitized Asset Fund	Venture Capital Fund	Other Fund	Total Private Fund GAV	AUM	#Funds
Adviser FINANCIAL SOLUTIONS ASSOCIATES	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM152.9m	#Funds-
Adviser PROSPERITY ADVISERS, LLC	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM375.8m	#Funds-
Adviser CATAWBA RIVER CAPITAL	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM325.1m	#Funds-
Adviser PETRA FINANCIAL ADVISORS INC	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM447.2m	#Funds-
Adviser TOWNSEND WEALTH MANAGEMENT	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM194.0m	#Funds-
Adviser TRITON FINANCIAL GROUP, INC.	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM261.3m	#Funds-
Adviser ALBION FINANCIAL GROUP	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund4.2m	Total Private Fund GAV4.2m	AUM2.0b	#Funds3
Adviser WELLS FINANCIAL MANAGEMENT, LLC	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM132.7m	#Funds-
Adviser CARR FINANCIAL GROUP	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM744.2m	#Funds-
Adviser ARROYO INVESTMENT GROUP, LLC	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM319.5m	#Funds-

Brochure Summary

Overview

Who we are Mine & Arao Wealth Creation & Management, LLC (referred to as “we,” “our,” “us,” or “Mine & Arao”), has been registered as an investment advisor since September 1999. Our principals and owners are John T. Arao and Bud T. Mine.
Services we offer Financial Planning Nearly 100% of our clients are our CPA tax clients. We, therefore we have maintained a long-term business relationship with our clients. We meet with our clients a minimum of once a year, usually during the tax season, and often discuss the performance of each individual investment portfolio. We also offer tax planning, retirement planning, and estate planning as deemed necessary. As CPAs and investment advisors, we can provide superior financial planning services due to the extensive knowledge of each

client’s income, wealth, and retirement goals.
Asset Management We take a comprehensive approach when investing our clients' assets by factoring in age, risk tolerance, and short & long-term need for capital. The assets are then allocated to fixed income and equity positions based on this analysis. We limit the investments to mutual funds, individual stocks, bonds, CDs, and exchange-traded funds.
Clients may impose restrictions on our investments, but as of today our current clients have placed no such restriction request.
We do not provide portfolio management services to a wrap fee program.
Assets under management As of December 31, 2023, we manage assets of $237.7 million on a discretionary basis. We do not manage assets on a non-discretionary basis.

MINE & ARAO WEALTH CREATION AND MANAGEMENT, LLC

MINE & ARAO WEALTH CREATION AND MANAGEMENT, LLC

MINE & ARAO WEALTH CREATION AND MANAGEMENT

Adviser Profile

Details

Adviser Type

Client Types

Advisory Activities

Compensation Arrangments

Reported AUM

Private Funds

Employees

Similar advisers

Brochure Summary

Overview

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MINE & ARAO WEALTH CREATION AND MANAGEMENT, LLC MINE & ARAO WEALTH CREATION AND MANAGEMENT, LLC MINE & ARAO WEALTH CREATION AND MANAGEMENT

Adviser Profile

Details

Adviser Type

Client Types

Advisory Activities

Compensation Arrangments

Reported AUM

Private Funds

Employees

Similar advisers

Brochure Summary

Overview

MINE & ARAO WEALTH CREATION AND MANAGEMENT, LLC

MINE & ARAO WEALTH CREATION AND MANAGEMENT, LLC

MINE & ARAO WEALTH CREATION AND MANAGEMENT