Institutional Manager · CIK 0001797135

ARBOR TRUST WEALTH ADVISORS, LLC

ANN ARBOR, MI · File #028-19734

Latest AUM

$228.7M

Positions

Top-10 Concentration

45.4%

Filings

Portfolio Value Over Time

2024-03

2024-06

2024-09

2024-12

2025-03

2025-06

2025-09

2025-12

Biggest QoQ Changes

Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.

Action	Issuer	Ticker / CUSIP	Δ Shares	Flow ($)	Price Effect
ADD	SCHWAB STRATEGIC TR	808524805	+183,082	+$4.4M	+$390,651
EXITED	ISHARES TR	46429B598	-83,922	-$4.4M	$0
ADD	WISDOMTREE TR	WT	+64,477	+$3.0M	+$69,404
ADD	VANGUARD INTL EQUITY INDEX F	922042858	+35,255	+$1.9M	-$14,406
REDUCE	SPDR S&P MIDCAP 400 ETF TR	MDY	-3,013	-$1.8M	+$103,546
ADD	ISHARES TR	464287465	+16,568	+$1.6M	+$240,622
REDUCE	SCHWAB STRATEGIC TR	808524508	-37,884	-$1.1M	+$127,467
ADD	PIMCO ETF TR	72201R585	+37,414	+$1.0M	-$5,654
ADD	DTE ENERGY CO	DTK	+5,147	+$669,856	-$19,948
REDUCE	VANGUARD INDEX FDS	922908611	-3,020	-$639,606	+$12,515

Sector Allocation

8.7%$20.0M

7.8%$17.7M

6.0%$13.7M

1.8%$4.2M

1.6%$3.6M

Consumer Discretionary

1.5%$3.4M

Consumer Staples

0.8%$1.8M

Communication Services

0.7%$1.7M

Utilities

0.1%$329,035

Filing History

Feb 5, 202613F HOLDINGS REPORTQ/E Dec 202582 pos · $228.7M
Nov 10, 202513F HOLDINGS REPORTQ/E Sep 202581 pos · $222.1M
Aug 7, 202513F HOLDINGS REPORTQ/E Jun 202584 pos · $204.4M
Apr 28, 202513F HOLDINGS REPORTQ/E Mar 202595 pos · $213.2M
Jan 16, 202513F HOLDINGS REPORTQ/E Dec 202493 pos · $213.5M
Oct 23, 202413F HOLDINGS REPORTQ/E Sep 2024100 pos · $190.4M
Aug 2, 202413F HOLDINGS REPORTQ/E Jun 2024100 pos · $190.4M
Apr 15, 202413F HOLDINGS REPORTQ/E Mar 202498 pos · $182.0M
Oct 10, 202313F HOLDINGS REPORTQ/E Dec 202390 pos · $151.9M

Top 20 Holdings — Dec 2025

#	Issuer	Ticker	Shares	Value	% of Portfolio
1	SCHWAB STRATEGIC TR	808524805	697,117	$16.8M	7.79%
2	J P MORGAN EXCHANGE TRADED F	46641Q670	239,028	$11.4M	5.28%
3	SCHWAB STRATEGIC TR	808524300	334,413	$10.9M	5.07%
4	ISHARES TR	464287465	107,027	$10.3M	4.78%
5	ABBVIE INC	ABBV	44,694	$10.2M	4.75%
6	APPLE INC	AAPL	32,080	$8.7M	4.06%
7	SCHWAB STRATEGIC TR	808524508	258,571	$7.8M	3.62%
8	SCHWAB STRATEGIC TR	808524201	274,898	$7.4M	3.44%
9	ALPHABET INC	GOOG	22,761	$7.1M	3.31%
10	WISDOMTREE TR	WT	152,132	$7.1M	3.31%
11	SPDR SERIES TRUST	78464A508	117,348	$6.7M	3.10%
12	SPDR S&P MIDCAP 400 ETF TR	MDY	10,234	$6.2M	2.88%
13	PIMCO ETF TR	72201R585	224,982	$6.0M	2.81%
14	MICROSOFT CORP	MSFT	12,400	$6.0M	2.79%
15	ABBOTT LABS	ABLZF	46,641	$5.8M	2.72%
16	JPMORGAN CHASE & CO.	VYLD	16,087	$5.2M	2.41%
17	SCHWAB STRATEGIC TR	808524607	178,696	$5.1M	2.37%
18	ISHARES TR	464287226	46,652	$4.7M	2.17%
19	VANGUARD SCOTTSDALE FDS	92206C409	56,092	$4.5M	2.08%
20	STRYKER CORPORATION	SYK	11,411	$4.0M	1.87%