13F HOLDINGS REPORT

Arbor Investment Advisors, LLC

Quarter ended Q4 2025 · Filed January 23, 2026 · Accession 0001590073-26-000002

Total Value

$759.9M

Positions

111

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (111)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	iShares Russell 1000 ETF	464287622	291,167	$108.7M	14.31%
2	Invesco FTSE RAFI US 1000 ETF	IVZ	2,027,880	$95.1M	12.52%
3	Vanguard FTSE Developed Markets ETF	921943858	1,452,866	$90.8M	11.94%
4	iShares Treasury Floating Rate Bond ETF	46434V860	1,235,075	$62.3M	8.20%
5	Vanguard Short-Term Bond ETF	921937827	614,693	$48.4M	6.37%
6	iShares Core U.S. Aggregate Bond ETF	464287226	400,886	$40.0M	5.27%
7	Invesco FTSE RAFI US 1500 Small-Mid ETF	IVZ	784,081	$36.0M	4.73%
8	iShares TIPS Bond ETF	464287176	325,970	$35.8M	4.71%
9	iShares MSCI EAFE ETF	464287465	289,862	$27.8M	3.66%
10	Vanguard FTSE Emerging Markets ETF	922042858	501,853	$27.0M	3.55%
11	JPMorgan Ultra-Short Income ETF	46641Q837	414,185	$21.0M	2.76%
12	Vanguard Russell 1000 ETF	92206C730	52,932	$16.4M	2.15%
13	Vanguard Total Bond Market ETF	921937835	200,979	$14.9M	1.96%
14	iShares Russell 1000 Growth ETF	464287614	24,290	$11.5M	1.51%
15	iShares Russell 2000 ETF	464287655	45,169	$11.1M	1.46%
16	iShares Core MSCI EAFE ETF	46432F842	109,840	$9.8M	1.29%
17	iShares Russell 1000 Value ETF	464287598	37,041	$7.8M	1.03%
18	Vanguard Total World Stock Index ETF	922042742	41,918	$5.9M	0.78%
19	iShares MSCI Emerging Markets ETF	464287234	107,352	$5.9M	0.77%
20	PIMCO 1-5 Year U.S. TIPS Index ETF	72201R205	94,534	$5.1M	0.67%
21	Apple Inc.	AAPL	18,358	$5.0M	0.66%
22	iShares Core MSCI Intl Developed Markets ETF	46435G326	56,395	$4.7M	0.61%
23	iShares Core MSCI Emerging Markets ETF	46434G103	67,667	$4.5M	0.60%
24	Microsoft Corp.	MSFT	6,993	$3.4M	0.45%
25	iShares MSCI Emerging Markets ex China ETF	46434G764	45,052	$3.3M	0.43%
26	Vanguard Value ETF	922908744	13,045	$2.5M	0.33%
27	Berkshire Hathaway Inc. Cl B	BRK-A	4,838	$2.4M	0.32%
28	Cadence Bank	12740C103	56,597	$2.4M	0.32%
29	Vanguard Total Stock Market ETF	922908769	7,202	$2.4M	0.32%
30	Cisco Systems Inc.	CSCO	30,589	$2.4M	0.31%
31	Vanguard Short-Term Inflation-Protected Securities ETF	922020805	45,575	$2.3M	0.30%
32	SPDR S&P 500 ETF	SPY	2,971	$2.0M	0.27%
33	Vanguard Russell 2000 ETF	92206C664	17,856	$1.8M	0.23%
34	Vanguard Russell 1000 Value ETF	92206C714	17,234	$1.6M	0.21%
35	Costco Wholesale Corp.	22160K105	1,809	$1.6M	0.21%
36	iShares Core S&P 500 ETF	464287200	2,205	$1.5M	0.20%
37	Vanguard ESG U.S. Stock ETF	921910733	11,210	$1.4M	0.18%
38	Vanguard Small-Cap Value Index ETF	922908611	6,393	$1.4M	0.18%
39	ASML Holding N.V.	ASMLF	965	$1.0M	0.14%
40	Dimensional International Core Equity Market ETF	25434V203	26,998	$1.0M	0.14%
41	PIMCO Enhanced Short Maturity Active ETF	72201R833	9,534	$956,647	0.13%
42	Alphabet Inc. Cl C	GOOG	3,034	$952,069	0.13%
43	iShares S&P 500 Growth ETF	464287309	7,685	$947,253	0.12%
44	Vanguard S&P 500 Value ETF	921932703	3,917	$802,402	0.11%
45	Home Depot Inc.	HD	2,326	$800,511	0.11%
46	JPMorgan Municipal ETF	46641Q647	15,720	$793,860	0.10%
47	McCormick & Company, Inc.	MKC-V	11,310	$769,205	0.10%
48	Berkshire Hathaway Inc.	BRK-A	1	$754,800	0.10%
49	Exxon Mobil Corp.	XOM	6,260	$753,279	0.10%
50	Morgan Stanley	MS-PQ	4,175	$741,135	0.10%
51	JPMorgan Chase & Co.	VYLD	2,242	$722,383	0.10%
52	SPDR Gold Shares ETF	GLD	1,782	$706,295	0.09%
53	Vanguard Short-Term Tax-Exempt Bond ETF	921935870	6,644	$674,864	0.09%
54	iShares 0-5 Year TIPS Bond ETF	46429B747	6,426	$657,925	0.09%
55	Motorola Solutions Inc.	MSI	1,627	$623,662	0.08%
56	Caterpillar Inc.	CAT	1,014	$580,890	0.08%
57	Johnson & Johnson Inc.	JNJ	2,801	$579,673	0.08%
58	Boeing Co.	BA-PA	2,324	$504,592	0.07%
59	Vanguard Russell 3000 ETF	92206C599	1,653	$496,486	0.07%
60	RTX Corporation	RTX	2,684	$492,246	0.06%
61	McDonalds Corporation	MCD	1,513	$462,418	0.06%
62	iShares MSCI World ETF	464286392	2,476	$459,948	0.06%
63	Bank of America Corp.	060505104	8,221	$452,159	0.06%
64	Duke Energy Corp.	DUKB	3,848	$451,078	0.06%
65	Cummins Inc.	CMI	846	$431,841	0.06%
66	Amazon.com Inc.	AMZN	1,828	$421,939	0.06%
67	Alphabet Inc. Cl A	GOOG	1,344	$420,678	0.06%
68	Procter & Gamble Co.	742718109	2,808	$402,379	0.05%
69	AutoZone Inc.	AZO	115	$390,023	0.05%
70	iShares Core 80/20 Aggressive Allocation ETF	464289859	4,262	$381,665	0.05%
71	Oracle Corporation	ORCL-PD	1,896	$369,549	0.05%
72	iShares Russell 2000 Growth ETF	464287648	1,118	$361,272	0.05%
73	Capital One Financial Corp.	14040H105	1,482	$359,281	0.05%
74	iShares MSCI KLD 400 Social ETF	464288570	2,779	$357,962	0.05%
75	Mastercard Incorporated	MA	616	$351,662	0.05%
76	Raymond James Financial Inc.	754730109	2,181	$350,247	0.05%
77	UnitedHealth Group Inc.	UNH	1,045	$344,800	0.05%
78	Coca-Cola Co.	KO	4,796	$335,256	0.04%
79	AbbVie Inc.	ABBV	1,446	$330,454	0.04%
80	Invesco S&P 500 Equal Weight Technology ETF	IVZ	7,184	$326,938	0.04%
81	Ross Stores Inc.	ROST	1,812	$326,414	0.04%
82	iShares U.S. Healthcare ETF	464287762	4,984	$324,458	0.04%
83	iShares Select Dividend ETF	464287168	2,236	$315,604	0.04%
84	Allstate Corporation	ALL-PJ	1,491	$310,248	0.04%
85	Financial Select Sector SPDR Fund	81369Y605	5,654	$309,670	0.04%
86	iShares Russell Mid-Cap ETF	464287499	3,099	$298,368	0.04%
87	Visa Inc.	V	851	$298,298	0.04%
88	Energy Select Sector SPDR Fund	81369Y506	6,660	$297,769	0.04%
89	Vanguard Large Cap ETF	922908637	939	$295,597	0.04%
90	NVIDIA Corporation	NVDA	1,568	$292,458	0.04%
91	Walmart Inc.	WMT	2,610	$290,780	0.04%
92	iShares Russell Mid-Cap Growth ETF	464287481	2,102	$287,848	0.04%
93	Chevron Corp.	CVX	1,856	$282,895	0.04%
94	Truist Financial Corp.	89832Q109	5,701	$280,548	0.04%
95	Tesla Inc.	TSLA	599	$269,491	0.04%
96	Union Pacific Corp.	UNP	1,140	$263,670	0.03%
97	Vanguard Mid-Cap Growth ETF	922908538	919	$256,530	0.03%
98	iShares Gold Trust ETF	IAU	3,152	$255,848	0.03%
99	Eli Lilly & Co.	LLY	231	$248,352	0.03%
100	JPMorgan Ultra-Short Municipal Income ETF	46641Q654	4,700	$239,418	0.03%
101	Vanguard ESG International Stock ETF	921910725	3,223	$230,810	0.03%
102	First Trust NASDAQ Clean Edge Green Energy Idx EFT	33733E500	5,109	$227,809	0.03%
103	Schwab Fundamental U.S. Large Company ETF	808524771	7,929	$215,748	0.03%
104	Honeywell International Inc.	438516106	1,100	$214,526	0.03%
105	International Business Machines Corporation	INTR	722	$213,926	0.03%
106	iShares Russell Mid-Cap Value ETF	464287473	1,497	$211,217	0.03%
107	Fresenius Medical Care AG	FMCQF	8,850	$210,807	0.03%
108	Calvert US Large-Cap Core Responsible Index ETF	MS-PQ	2,466	$207,764	0.03%
109	Ford Motor Company	345370860	15,753	$206,685	0.03%
110	Armada Hoffler Properties Inc.	04208T108	29,161	$193,046	0.03%
111	Culp, Inc.	CULP	41,934	$149,285	0.02%