Arbor Investment Advisors, LLC Q2 2025 Filing

Filed July 30, 2025

Portfolio Value

$780.4M

Holdings

112

Report Date

Q2 2025

Filing Type

13F-HR

All Holdings (112 positions)

#	Stock	Shares	Value	% Portfolio
1	IWBiShares Russell 1000 ETF	346,676	$117.7M	15.08%
2	PRFInvesco FTSE RAFI US 1000 ETF	2,272,614	$96.1M	12.31%
3	VEAVanguard FTSE Developed Markets ETF	1,566,146	$89.3M	11.44%
4	TFLOiShares Treasury Floating Rate Bond ETF	1,350,586	$68.4M	8.77%
5	BSVVanguard Short-Term Bond ETF	605,839	$47.7M	6.11%
6	AGGiShares Core U.S. Aggregate Bond ETF	399,132	$39.6M	5.07%
7	PRFZInvesco FTSE RAFI US 1500 Small-Mid ETF	898,927	$36.6M	4.68%
8	TIPiShares TIPS Bond ETF	314,433	$34.6M	4.43%
9	EFAiShares MSCI EAFE ETF	352,163	$31.5M	4.03%
10	VWOVanguard FTSE Emerging Markets ETF	538,604	$26.6M	3.41%
11	JPSTJPMorgan Ultra-Short Income ETF	409,240	$20.7M	2.66%
12	VONEVanguard Russell 1000 ETF	67,202	$18.9M	2.42%
13	BNDVanguard Total Bond Market ETF	212,918	$15.7M	2.01%
14	IWMiShares Russell 2000 ETF	54,495	$11.8M	1.51%
15	AQLTiShares Core MSCI EAFE ETF	133,421	$11.1M	1.43%
16	IWFiShares Russell 1000 Growth ETF	25,338	$10.8M	1.38%
17	EEMiShares MSCI Emerging Markets ETF	157,783	$7.6M	0.98%
18	IWDiShares Russell 1000 Value ETF	38,854	$7.5M	0.97%
19	VTVanguard Total World Stock Index ETF	42,699	$5.5M	0.70%
20	IEMGiShares Core MSCI Emerging Markets ETF	88,764	$5.3M	0.68%
21	STPZPIMCO 1-5 Year U.S. TIPS Index ETF	89,286	$4.8M	0.62%
22	IDEViShares Core MSCI Intl Developed Markets ETF	58,446	$4.4M	0.57%
23	AAPLApple Inc.	21,429	$4.4M	0.56%
24	MSFTMicrosoft Corp.	8,585	$4.3M	0.55%
25	VTIVanguard Total Stock Market ETF	10,427	$3.2M	0.41%
26	BRK/BBerkshire Hathaway Inc. Cl B	5,680	$2.8M	0.35%
27	VTIPVanguard Short-Term Inflation-Protected Securities ETF	49,913	$2.5M	0.32%
28	CADECadence Bank	71,917	$2.3M	0.29%
29	VTWOVanguard Russell 2000 ETF	25,560	$2.2M	0.29%
30	CSCOCisco Systems Inc.	31,139	$2.2M	0.28%
31	SPYSPDR S&P 500 ETF	3,167	$2.0M	0.25%
32	VTVVanguard Value ETF	10,863	$1.9M	0.25%
33	EMXCiShares MSCI Emerging Markets ex China ETF	28,903	$1.8M	0.23%
34	COSTCostco Wholesale Corp.	1,826	$1.8M	0.23%
35	IVViShares Core S&P 500 ETF	2,616	$1.6M	0.21%
36	VONVVanguard Russell 1000 Value ETF	18,040	$1.5M	0.20%
37	VBRVanguard Small-Cap Value Index ETF	6,394	$1.2M	0.16%
38	ESGVVanguard ESG U.S. Stock ETF	11,168	$1.2M	0.16%
39	MINTPIMCO Enhanced Short Maturity Active ETF	11,979	$1.2M	0.15%
40	IVWiShares S&P 500 Growth ETF	8,811	$970K	0.12%
41	HDHome Depot Inc.	2,599	$953K	0.12%
42	MKC/VMcCormick & Company, Inc.	11,310	$854K	0.11%
43	JPMJPMorgan Chase & Co.	2,894	$838K	0.11%
44	STIPiShares 0-5 Year TIPS Bond ETF	7,809	$803K	0.10%
45	ASMLASM Lithography Holdings	965	$773K	0.10%
46	DWDMorgan Stanley	5,398	$760K	0.10%
47	VOOVVanguard S&P 500 Value ETF	3,897	$735K	0.09%
48	BRK-BBerkshire Hathaway Inc.	1	$728K	0.09%
49	MSIMotorola Solutions Inc.	1,627	$684K	0.09%
50	XOMExxon Mobil Corp.	6,327	$682K	0.09%
51	ALSAllstate Corporation	3,380	$680K	0.09%
52	ORCLOracle Corporation	3,060	$669K	0.09%
53	COFCapital One Financial Corp.	2,878	$612K	0.08%
54	GQ9SPDR Gold Shares ETF	1,941	$591K	0.08%
55	GOOGAlphabet Inc. Cl C	3,087	$547K	0.07%
56	PGProcter & Gamble Co.	3,274	$521K	0.07%
57	MCDMcDonalds Corporation	1,774	$518K	0.07%
58	VTHRVanguard Russell 3000 ETF	1,787	$487K	0.06%
59	VBILVanguard 0-3 Month Treasury Bill ETF	6,264	$473K	0.06%
60	URTHiShares MSCI World ETF	2,793	$473K	0.06%
61	DUKDuke Energy Corp.	3,831	$452K	0.06%
62	KOCoca-Cola Co.	6,286	$444K	0.06%
63	AMZNAmazon.com Inc.	1,982	$434K	0.06%
64	JNJJohnson & Johnson Inc.	2,812	$429K	0.05%
65	ABBVAbbVie Inc.	2,283	$423K	0.05%
66	AVGOBroadcom Inc.	1,505	$414K	0.05%
67	IAU*iShares Gold Trust ETF	6,459	$402K	0.05%
68	APOApollo Global Management, Inc.	2,800	$397K	0.05%
69	CATCaterpillar Inc.	1,017	$394K	0.05%
70	RTXRTX Corporation	2,684	$391K	0.05%
71	BACBank of America Corp.	8,226	$389K	0.05%
72	GEGE Aerospace	1,492	$384K	0.05%
73	HELOJPMorgan Hedged Equity Laddered Overlay ETF	6,140	$384K	0.05%
74	AOAiShares Core Aggressive Allocation ETF	4,204	$350K	0.04%
75	UNPUnion Pacific Corp.	1,474	$339K	0.04%
76	RSPTInvesco S&P 500 Equal Weight Technology ETF	8,320	$339K	0.04%
77	RJFRaymond James Financial Inc.	2,183	$334K	0.04%
78	XLFFinancial Select Sector SPDR Fund	6,230	$326K	0.04%
79	DSIiShares MSCI KLD 400 Social ETF	2,776	$322K	0.04%
80	IWOiShares Russell 2000 Growth ETF	1,120	$320K	0.04%
81	IBMInternational Business Machines Corporation	1,066	$314K	0.04%
82	AQLTiShares Select Dividend ETF	2,266	$300K	0.04%
83	HONHoneywell International Inc.	1,284	$298K	0.04%
84	IWPiShares Russell Mid-Cap Growth ETF	2,102	$291K	0.04%
85	ITWIllinois Tool Works	1,161	$287K	0.04%
86	TSMTaiwan Semiconductor Mfg Co. Ltd.	1,271	$287K	0.04%
87	IWRiShares Russell Mid-Cap ETF	3,099	$285K	0.04%
88	GDXVanEck Vectors Gold Miners ETF	5,466	$284K	0.04%
89	ENBEnbridge Inc.	6,220	$281K	0.04%
90	ABTAbbott Laboratories	2,023	$275K	0.04%
91	VVVanguard Large Cap ETF	939	$267K	0.03%
92	GOOGLAlphabet Inc. Cl A	1,500	$264K	0.03%
93	VOTVanguard Mid-Cap Growth ETF	919	$261K	0.03%
94	XLEEnergy Select Sector SPDR Fund	3,024	$256K	0.03%
95	LOWLowes Companies, Inc.	1,156	$256K	0.03%
96	WMTWalmart Inc.	2,610	$255K	0.03%
97	NVDANVIDIA Corporation	1,619	$255K	0.03%
98	FMSFresenius Medical Care AG	8,850	$252K	0.03%
99	CVXChevron Corp.	1,755	$251K	0.03%
100	TFCTruist Financial Corp.	5,794	$249K	0.03%

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