13F HOLDINGS REPORT

Arbor Investment Advisors, LLC

Quarter ended Q3 2025 · Filed October 21, 2025 · Accession 0001590073-25-000008

Total Value

$787.7M

Positions

127

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (127)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	iShares Russell 1000 ETF	464287622	301,629	$110.2M	14.00%
2	Invesco FTSE RAFI US 1000 ETF	IVZ	2,058,963	$93.1M	11.82%
3	Vanguard FTSE Developed Markets ETF	921943858	1,473,187	$88.3M	11.21%
4	iShares Treasury Floating Rate Bond ETF	46434V860	1,289,754	$65.2M	8.28%
5	Vanguard Short-Term Bond ETF	921937827	607,397	$47.9M	6.08%
6	iShares Core U.S. Aggregate Bond ETF	464287226	402,623	$40.4M	5.12%
7	Invesco FTSE RAFI US 1500 Small-Mid ETF	IVZ	775,675	$35.2M	4.47%
8	iShares TIPS Bond ETF	464287176	314,320	$35.0M	4.44%
9	iShares MSCI EAFE ETF	464287465	302,380	$28.2M	3.58%
10	Vanguard FTSE Emerging Markets ETF	922042858	505,230	$27.4M	3.48%
11	JPMorgan Ultra-Short Income ETF	46641Q837	415,982	$21.1M	2.68%
12	Vanguard Russell 1000 ETF	92206C730	56,141	$17.0M	2.15%
13	Vanguard Total Bond Market ETF	921937835	207,828	$15.5M	1.96%
14	Apple Inc.	AAPL	53,712	$13.7M	1.74%
15	iShares Russell 2000 ETF	464287655	47,397	$11.5M	1.46%
16	iShares Russell 1000 Growth ETF	464287614	24,317	$11.4M	1.45%
17	iShares Core MSCI EAFE ETF	46432F842	121,754	$10.6M	1.35%
18	iShares Russell 1000 Value ETF	464287598	36,979	$7.5M	0.96%
19	iShares MSCI Emerging Markets ETF	464287234	114,295	$6.1M	0.77%
20	Vanguard Total World Stock Index ETF	922042742	42,131	$5.8M	0.74%
21	Lowes Companies, Inc.	548661107	20,574	$5.2M	0.66%
22	PIMCO 1-5 Year U.S. TIPS Index ETF	72201R205	88,739	$4.8M	0.61%
23	iShares Core MSCI Emerging Markets ETF	46434G103	68,365	$4.5M	0.57%
24	iShares Core MSCI Intl Developed Markets ETF	46435G326	56,206	$4.5M	0.57%
25	Microsoft Corp.	MSFT	7,493	$3.9M	0.49%
26	Truist Financial Corp.	89832Q109	82,718	$3.8M	0.48%
27	iShares MSCI Emerging Markets ex China ETF	46434G764	38,245	$2.6M	0.33%
28	Berkshire Hathaway Inc. Cl B	BRK-A	4,838	$2.4M	0.31%
29	Vanguard Total Stock Market ETF	922908769	7,208	$2.4M	0.30%
30	Vanguard Short-Term Inflation-Protected Securities ETF	922020805	46,166	$2.3M	0.30%
31	Cadence Bank	12740C103	61,926	$2.3M	0.30%
32	Cisco Systems Inc.	CSCO	31,089	$2.1M	0.27%
33	SPDR S&P 500 ETF	SPY	3,001	$2.0M	0.25%
34	Vanguard Value ETF	922908744	10,357	$1.9M	0.25%
35	Vanguard Russell 2000 ETF	92206C664	19,681	$1.9M	0.24%
36	Costco Wholesale Corp.	22160K105	1,819	$1.7M	0.21%
37	Vanguard Russell 1000 Value ETF	92206C714	18,090	$1.6M	0.21%
38	iShares Core S&P 500 ETF	464287200	2,212	$1.5M	0.19%
39	Home Depot Inc.	HD	3,500	$1.4M	0.18%
40	Duke Energy Corp.	DUKB	10,886	$1.3M	0.17%
41	Vanguard Small-Cap Value Index ETF	922908611	6,449	$1.3M	0.17%
42	Vanguard ESG U.S. Stock ETF	921910733	11,185	$1.3M	0.17%
43	Halozyme Therapeutics, Inc.	HALO	17,950	$1.3M	0.17%
44	PIMCO Enhanced Short Maturity Active ETF	72201R833	12,399	$1.2M	0.16%
45	McCormick & Company, Inc.	MKC-V	17,374	$1.2M	0.15%
46	Morgan Stanley	MS-PQ	6,477	$1.0M	0.13%
47	ASML Holding N.V.	ASMLF	965	$934,207	0.12%
48	iShares S&P 500 Growth ETF	464287309	7,685	$927,733	0.12%
49	Allstate Corporation	ALL-PJ	4,041	$867,293	0.11%
50	iShares 0-5 Year TIPS Bond ETF	46429B747	7,731	$799,116	0.10%
51	Bank of America Corp.	060505104	15,477	$798,433	0.10%
52	Vanguard S&P 500 Value ETF	921932703	3,907	$779,381	0.10%
53	Berkshire Hathaway Inc.	BRK-A	1	$754,200	0.10%
54	Alphabet Inc. Cl C	GOOG	3,087	$751,839	0.10%
55	Motorola Solutions Inc.	MSI	1,627	$744,011	0.09%
56	ONEOK Inc.	OKE	10,000	$729,700	0.09%
57	JPMorgan Chase & Co.	VYLD	2,242	$707,153	0.09%
58	Exxon Mobil Corp.	XOM	6,243	$703,922	0.09%
59	International Business Machines Corporation	INTR	2,478	$699,203	0.09%
60	SPDR Gold Shares ETF	GLD	1,941	$689,967	0.09%
61	Park National Corp.	700658107	4,092	$665,073	0.08%
62	KeyCorp New	493267108	35,519	$663,853	0.08%
63	W.R. Berkley Corporation	WRB-PH	8,488	$650,351	0.08%
64	Capital One Financial Corp.	14040H105	2,865	$609,042	0.08%
65	TowneBank	89214P109	17,462	$603,661	0.08%
66	Coca-Cola Co.	KO	8,853	$587,131	0.07%
67	HCA Healthcare, Inc.	HCA	1,274	$543,067	0.07%
68	Oracle Corporation	ORCL-PD	1,896	$533,231	0.07%
69	Johnson & Johnson Inc.	JNJ	2,802	$519,552	0.07%
70	Vanguard Russell 3000 ETF	92206C599	1,722	$506,858	0.06%
71	iShares Core 80/20 Aggressive Allocation ETF	464289859	5,722	$504,353	0.06%
72	Boeing Co.	BA-PA	2,324	$501,594	0.06%
73	Public Service Enterprise Group Inc.	744573106	6,000	$500,760	0.06%
74	AutoZone Inc.	AZO	115	$493,378	0.06%
75	Amazon.com Inc.	AMZN	2,220	$487,445	0.06%
76	Caterpillar Inc.	CAT	1,017	$485,262	0.06%
77	UnitedHealth Group Inc.	UNH	1,371	$473,406	0.06%
78	Wells Fargo & Co.	949746101	5,507	$461,597	0.06%
79	McDonalds Corporation	MCD	1,513	$459,786	0.06%
80	RTX Corporation	RTX	2,684	$449,114	0.06%
81	iShares MSCI World ETF	464286392	2,458	$446,190	0.06%
82	Procter & Gamble Co.	742718109	2,800	$430,220	0.05%
83	Alphabet Inc. Cl A	GOOG	1,654	$402,092	0.05%
84	JPMorgan Hedged Equity Laddered Overlay ETF	46654Q724	6,157	$400,174	0.05%
85	Dimensional U.S. Core Equity 2 ETF	25434V708	9,832	$379,209	0.05%
86	Raymond James Financial Inc.	754730109	2,181	$376,441	0.05%
87	iShares Russell 2000 Growth ETF	464287648	1,120	$358,591	0.05%
88	Cummins Inc.	CMI	846	$357,325	0.05%
89	iShares Select Dividend ETF	464287168	2,478	$352,139	0.04%
90	Mastercard Incorporated	MA	616	$350,387	0.04%
91	iShares MSCI KLD 400 Social ETF	464288570	2,777	$349,751	0.04%
92	AbbVie Inc.	ABBV	1,446	$334,865	0.04%
93	Invesco S&P 500 Equal Weight Technology ETF	IVZ	7,381	$329,039	0.04%
94	Williams Companies, Inc.	969457100	5,000	$316,750	0.04%
95	iShares Russell Mid-Cap Growth ETF	464287481	2,102	$299,346	0.04%
96	iShares Russell Mid-Cap ETF	464287499	3,099	$299,236	0.04%
97	iShares U.S. Healthcare ETF	464287762	4,984	$292,660	0.04%
98	NVIDIA Corporation	NVDA	1,568	$292,584	0.04%
99	Energy Select Sector SPDR Fund	81369Y506	3,262	$291,427	0.04%
100	Visa Inc.	V	851	$290,409	0.04%
101	Vanguard Large Cap ETF	922908637	939	$289,081	0.04%
102	Ross Stores Inc.	ROST	1,895	$288,779	0.04%
103	Chevron Corp.	CVX	1,855	$288,063	0.04%
104	Financial Select Sector SPDR Fund	81369Y605	5,289	$284,918	0.04%
105	Abbott Laboratories	ABLZF	2,023	$270,975	0.03%
106	Honeywell International Inc.	438516106	1,284	$270,203	0.03%
107	Vanguard Mid-Cap Growth ETF	922908538	919	$269,993	0.03%
108	Union Pacific Corp.	UNP	1,140	$269,426	0.03%
109	Walmart Inc.	WMT	2,610	$268,987	0.03%
110	iShares Gold Trust ETF	IAU	3,511	$255,495	0.03%
111	McCormick & Company, Inc. COM NPV	MKC-V	3,545	$237,196	0.03%
112	Tesla Inc.	TSLA	533	$237,143	0.03%
113	Fresenius Medical Care AG	FMCQF	8,850	$233,021	0.03%
114	Calvert US Select Equity ETF	MS-PQ	3,114	$231,304	0.03%
115	O'Reilly Automotive, Inc.	67103H107	2,115	$228,018	0.03%
116	Vanguard ESG International Stock ETF	921910725	3,204	$222,233	0.03%
117	Fastenal Company	FAST	4,506	$220,974	0.03%
118	Enbridge Inc.	ENNPF	4,373	$220,649	0.03%
119	JPMorgan Equity Premium Income ETF	46641Q332	3,797	$216,809	0.03%
120	First Trust NASDAQ Clean Edge Green Energy Idx EFT	33733E500	5,106	$214,232	0.03%
121	Illinois Tool Works	452308109	809	$210,963	0.03%
122	Phillips 66	PSX	1,547	$210,406	0.03%
123	iShares Russell Mid-Cap Value ETF	464287473	1,497	$209,150	0.03%
124	Armada Hoffler Properties Inc.	04208T108	29,161	$204,419	0.03%
125	ONE Gas, Inc.	OGS	2,500	$202,350	0.03%
126	Culp, Inc.	CULP	41,934	$187,026	0.02%
127	Ford Motor Company	345370860	15,426	$184,489	0.02%