# EDGAR Filing Document

**Accession Number:** 0001802994
**File Stem:** 0001667731-25-000998
**Filing Date:** 2025-7
**Character Count:** 10871
**Document Hash:** 3f01329268b416634403490a0920b18e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001667731-25-000998.hdr.sgml**: 20250729

**ACCESSION NUMBER**: 0001667731-25-000998

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250729

**DATE AS OF CHANGE**: 20250729

**EFFECTIVENESS DATE**: 20250729

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Mine & Arao Wealth Creation & Management, LLC.
- **CENTRAL INDEX KEY:** 0001802994

**ORGANIZATION NAME:**
- **EIN:** 770497790
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19861
- **FILM NUMBER:** 251157822

**BUSINESS ADDRESS:**
- **STREET 1:** 901 CAMPISI WAY
- **STREET 2:** SUITE 140
- **CITY:** CAMPBELL
- **STATE:** CA
- **ZIP:** 95008
- **BUSINESS PHONE:** (408) 377-7414

**MAIL ADDRESS:**
- **STREET 1:** 901 CAMPISI WAY
- **STREET 2:** SUITE 140
- **CITY:** CAMPBELL
- **STATE:** CA
- **ZIP:** 95008

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Mine  Arao Wealth Creation  Management LLC.<br>**Address:** 901 Campisi Way<br>Suite 140<br>Campbell, CA 95008

**Form 13F File Number:** 028-19861

**CRD Number (if applicable):** 000118319

**SEC File Number (if applicable):** 801-113885

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Bud Mine<br>**Title:** CCO<br>**Phone:** 408-377-7414

**Signature, Place, and Date of Signing:**

/s/ Bud Mine  Campbell, CA  07-29-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 74

**Form 13F Information Table Value Total:** $224044874

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2162085 | 12269 | SH |  | SOLE |  | 0 | 0 | 12269 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 6544617 | 36894 | SH |  | SOLE |  | 0 | 0 | 36894 |
| AMAZON COM INC | COM | 023135106 |  | 13810820 | 62951 | SH |  | SOLE |  | 0 | 0 | 62951 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 322201 | 1010 | SH |  | SOLE |  | 0 | 0 | 1010 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 |  | 442631 | 2003 | SH |  | SOLE |  | 0 | 0 | 2003 |
| APPLE INC | COM | 037833100 |  | 18241719 | 88910 | SH |  | SOLE |  | 0 | 0 | 88910 |
| AT INC | COM | 00206R102 |  | 279276 | 9650 | SH |  | SOLE |  | 0 | 0 | 9650 |
| BANK AMERICA CORP | COM | 060505104 |  | 562931 | 11896 | SH |  | SOLE |  | 0 | 0 | 11896 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1758488 | 3620 | SH |  | SOLE |  | 0 | 0 | 3620 |
| CATERPILLAR INC | COM | 149123101 |  | 688531 | 1774 | SH |  | SOLE |  | 0 | 0 | 1774 |
| CISCO SYS INC | COM | 17275R102 |  | 383360 | 5526 | SH |  | SOLE |  | 0 | 0 | 5526 |
| CLOROX CO DEL | COM | 189054109 |  | 398544 | 3319 | SH |  | SOLE |  | 0 | 0 | 3319 |
| COCA COLA CO | COM | 191216100 |  | 844710 | 11939 | SH |  | SOLE |  | 0 | 0 | 11939 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 236933 | 239 | SH |  | SOLE |  | 0 | 0 | 239 |
| CROWN CASTLE INC | COM | 22822V101 |  | 219752 | 2139 | SH |  | SOLE |  | 0 | 0 | 2139 |
| CSX CORP | COM | 126408103 |  | 209469 | 6420 | SH |  | SOLE |  | 0 | 0 | 6420 |
| DISNEY WALT CO | COM | 254687106 |  | 668419 | 5390 | SH |  | SOLE |  | 0 | 0 | 5390 |
| ELI LILLY  CO | COM | 532457108 |  | 406915 | 522 | SH |  | SOLE |  | 0 | 0 | 522 |
| GLOBAL X FDS | US INFR DEV ETF | 37954Y673 |  | 684304 | 15702 | SH |  | SOLE |  | 0 | 0 | 15702 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 327456 | 463 | SH |  | SOLE |  | 0 | 0 | 463 |
| HUNTINGTON INGALLS INDS INC | COM | 446413106 |  | 247497 | 1025 | SH |  | SOLE |  | 0 | 0 | 1025 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 412692 | 1400 | SH |  | SOLE |  | 0 | 0 | 1400 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 42197345 | 76494 | SH |  | SOLE |  | 0 | 0 | 76494 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 3794546 | 28571 | SH |  | SOLE |  | 0 | 0 | 28571 |
| ISHARES TR | CORE S ETF | 464287200 |  | 558616 | 900 | SH |  | SOLE |  | 0 | 0 | 900 |
| ISHARES TR | SELECT US REIT | 464287564 |  | 2443506 | 39953 | SH |  | SOLE |  | 0 | 0 | 39953 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1618889 | 26103 | SH |  | SOLE |  | 0 | 0 | 26103 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 330691 | 3213 | SH |  | SOLE |  | 0 | 0 | 3213 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2157419 | 19740 | SH |  | SOLE |  | 0 | 0 | 19740 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 278167 | 1289 | SH |  | SOLE |  | 0 | 0 | 1289 |
| ISHARES TR | U.S. FIN SVC ETF | 464287770 |  | 1029312 | 12025 | SH |  | SOLE |  | 0 | 0 | 12025 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 596491 | 5421 | SH |  | SOLE |  | 0 | 0 | 5421 |
| ISHARES TR | DOW JONES US ETF | 464287846 |  | 1643285 | 10892 | SH |  | SOLE |  | 0 | 0 | 10892 |
| ISHARES TR | US HLTHCARE ETF | 464287762 |  | 2459399 | 43545 | SH |  | SOLE |  | 0 | 0 | 43545 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 551763 | 6065 | SH |  | SOLE |  | 0 | 0 | 6065 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 699774 | 7828 | SH |  | SOLE |  | 0 | 0 | 7828 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 660746 | 13582 | SH |  | SOLE |  | 0 | 0 | 13582 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 359033 | 2350 | SH |  | SOLE |  | 0 | 0 | 2350 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 6961901 | 24014 | SH |  | SOLE |  | 0 | 0 | 24014 |
| KELLANOVA | COM | 487836108 |  | 287983 | 3621 | SH |  | SOLE |  | 0 | 0 | 3621 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 486700 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 221536 | 478 | SH |  | SOLE |  | 0 | 0 | 478 |
| LUCID GROUP INC | COM | 549498103 |  | 30595 | 14500 | SH |  | SOLE |  | 0 | 0 | 14500 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 300330 | 1099 | SH |  | SOLE |  | 0 | 0 | 1099 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1380720 | 2457 | SH |  | SOLE |  | 0 | 0 | 2457 |
| MERCK  CO INC | COM | 58933Y105 |  | 696006 | 8792 | SH |  | SOLE |  | 0 | 0 | 8792 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1267351 | 1717 | SH |  | SOLE |  | 0 | 0 | 1717 |
| MICROSOFT CORP | COM | 594918104 |  | 2514199 | 5055 | SH |  | SOLE |  | 0 | 0 | 5055 |
| NETFLIX INC | COM | 64110L106 |  | 1319044 | 985 | SH |  | SOLE |  | 0 | 0 | 985 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 623579 | 2436 | SH |  | SOLE |  | 0 | 0 | 2436 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 899964 | 1800 | SH |  | SOLE |  | 0 | 0 | 1800 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 14212376 | 89957 | SH |  | SOLE |  | 0 | 0 | 89957 |
| ORACLE CORP | COM | 68389X105 |  | 1146688 | 5245 | SH |  | SOLE |  | 0 | 0 | 5245 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 286272 | 2100 | SH |  | SOLE |  | 0 | 0 | 2100 |
| PFIZER INC | COM | 717081103 |  | 215482 | 8890 | SH |  | SOLE |  | 0 | 0 | 8890 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1107004 | 6948 | SH |  | SOLE |  | 0 | 0 | 6948 |
| PROSHARES TR | S 500 DV ARIST | 74348A467 |  | 545179 | 5414 | SH |  | SOLE |  | 0 | 0 | 5414 |
| SALESFORCE INC | COM | 79466L302 |  | 298372 | 1094 | SH |  | SOLE |  | 0 | 0 | 1094 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 521186 | 6437 | SH |  | SOLE |  | 0 | 0 | 6437 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 583517 | 2304 | SH |  | SOLE |  | 0 | 0 | 2304 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 23264324 | 52796 | SH |  | SOLE |  | 0 | 0 | 52796 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 34999902 | 56648 | SH |  | SOLE |  | 0 | 0 | 56648 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 797666 | 15240 | SH |  | SOLE |  | 0 | 0 | 15240 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 5001759 | 36851 | SH |  | SOLE |  | 0 | 0 | 36851 |
| STARBUCKS CORP | COM | 855244109 |  | 274955 | 3001 | SH |  | SOLE |  | 0 | 0 | 3001 |
| TESLA INC | COM | 88160R101 |  | 461878 | 1454 | SH |  | SOLE |  | 0 | 0 | 1454 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 273077 | 3531 | SH |  | SOLE |  | 0 | 0 | 3531 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 318745 | 4329 | SH |  | SOLE |  | 0 | 0 | 4329 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 2081921 | 30972 | SH |  | SOLE |  | 0 | 0 | 30972 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 367541 | 6447 | SH |  | SOLE |  | 0 | 0 | 6447 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 355513 | 8216 | SH |  | SOLE |  | 0 | 0 | 8216 |
| VISA INC | COM CL A | 92826C839 |  | 5260438 | 14816 | SH |  | SOLE |  | 0 | 0 | 14816 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 872589 | 3813 | SH |  | SOLE |  | 0 | 0 | 3813 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 2576250 | 32155 | SH |  | SOLE |  | 0 | 0 | 32155 |

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