Arbor Investment Advisors, LLC Q4 2025 Filing

Filed January 23, 2026

Portfolio Value

$759.9M

Holdings

111

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (111 positions)

#	Stock	Shares	Value	% Portfolio
1	IWBiShares Russell 1000 ETF	291,167	$108.7M	14.31%
2	PRFInvesco FTSE RAFI US 1000 ETF	2,027,880	$95.1M	12.52%
3	VEAVanguard FTSE Developed Markets ETF	1,452,866	$90.8M	11.94%
4	TFLOiShares Treasury Floating Rate Bond ETF	1,235,075	$62.3M	8.20%
5	BSVVanguard Short-Term Bond ETF	614,693	$48.4M	6.37%
6	AGGiShares Core U.S. Aggregate Bond ETF	400,886	$40.0M	5.27%
7	PRFZInvesco FTSE RAFI US 1500 Small-Mid ETF	784,081	$36.0M	4.73%
8	TIPiShares TIPS Bond ETF	325,970	$35.8M	4.71%
9	EFAiShares MSCI EAFE ETF	289,862	$27.8M	3.66%
10	VWOVanguard FTSE Emerging Markets ETF	501,853	$27.0M	3.55%
11	JPSTJPMorgan Ultra-Short Income ETF	414,185	$21.0M	2.76%
12	VONEVanguard Russell 1000 ETF	52,932	$16.4M	2.15%
13	BNDVanguard Total Bond Market ETF	200,979	$14.9M	1.96%
14	IWFiShares Russell 1000 Growth ETF	24,290	$11.5M	1.51%
15	IWMiShares Russell 2000 ETF	45,169	$11.1M	1.46%
16	AQLTiShares Core MSCI EAFE ETF	109,840	$9.8M	1.29%
17	IWDiShares Russell 1000 Value ETF	37,041	$7.8M	1.03%
18	VTVanguard Total World Stock Index ETF	41,918	$5.9M	0.78%
19	EEMiShares MSCI Emerging Markets ETF	107,352	$5.9M	0.77%
20	STPZPIMCO 1-5 Year U.S. TIPS Index ETF	94,534	$5.1M	0.67%
21	AAPLApple Inc.	18,358	$5.0M	0.66%
22	IDEViShares Core MSCI Intl Developed Markets ETF	56,395	$4.7M	0.61%
23	IEMGiShares Core MSCI Emerging Markets ETF	67,667	$4.5M	0.60%
24	MSFTMicrosoft Corp.	6,993	$3.4M	0.44%
25	EMXCiShares MSCI Emerging Markets ex China ETF	45,052	$3.3M	0.43%
26	VTVVanguard Value ETF	13,045	$2.5M	0.33%
27	BRK/BBerkshire Hathaway Inc. Cl B	4,838	$2.4M	0.32%
28	CADECadence Bank	56,597	$2.4M	0.32%
29	VTIVanguard Total Stock Market ETF	7,202	$2.4M	0.32%
30	CSCOCisco Systems Inc.	30,589	$2.4M	0.31%
31	VTIPVanguard Short-Term Inflation-Protected Securities ETF	45,575	$2.3M	0.30%
32	SPYSPDR S&P 500 ETF	2,971	$2.0M	0.27%
33	VTWOVanguard Russell 2000 ETF	17,856	$1.8M	0.23%
34	VONVVanguard Russell 1000 Value ETF	17,234	$1.6M	0.21%
35	COSTCostco Wholesale Corp.	1,809	$1.6M	0.21%
36	IVViShares Core S&P 500 ETF	2,205	$1.5M	0.20%
37	ESGVVanguard ESG U.S. Stock ETF	11,210	$1.4M	0.18%
38	VBRVanguard Small-Cap Value Index ETF	6,393	$1.4M	0.18%
39	ASMLASML Holding N.V.	965	$1.0M	0.14%
40	DFAIDimensional International Core Equity Market ETF	26,998	$1.0M	0.14%
41	MINTPIMCO Enhanced Short Maturity Active ETF	9,534	$956K	0.13%
42	GOOGAlphabet Inc. Cl C	3,034	$952K	0.13%
43	IVWiShares S&P 500 Growth ETF	7,685	$947K	0.12%
44	VOOVVanguard S&P 500 Value ETF	3,917	$802K	0.11%
45	HDHome Depot Inc.	2,326	$800K	0.11%
46	JMUBJPMorgan Municipal ETF	15,720	$793K	0.10%
47	MKC/VMcCormick & Company, Inc.	11,310	$769K	0.10%
48	BRK-BBerkshire Hathaway Inc.	1	$754K	0.10%
49	XOMExxon Mobil Corp.	6,260	$753K	0.10%
50	DWDMorgan Stanley	4,175	$741K	0.10%
51	JPMJPMorgan Chase & Co.	2,242	$722K	0.10%
52	GQ9SPDR Gold Shares ETF	1,782	$706K	0.09%
53	VTESVanguard Short-Term Tax-Exempt Bond ETF	6,644	$674K	0.09%
54	STIPiShares 0-5 Year TIPS Bond ETF	6,426	$657K	0.09%
55	MSIMotorola Solutions Inc.	1,627	$623K	0.08%
56	CATCaterpillar Inc.	1,014	$580K	0.08%
57	JNJJohnson & Johnson Inc.	2,801	$579K	0.08%
58	BABoeing Co.	2,324	$504K	0.07%
59	VTHRVanguard Russell 3000 ETF	1,653	$496K	0.07%
60	RTXRTX Corporation	2,684	$492K	0.06%
61	MCDMcDonalds Corporation	1,513	$462K	0.06%
62	URTHiShares MSCI World ETF	2,476	$459K	0.06%
63	BACBank of America Corp.	8,221	$452K	0.06%
64	DUKDuke Energy Corp.	3,848	$451K	0.06%
65	CMICummins Inc.	846	$431K	0.06%
66	AMZNAmazon.com Inc.	1,828	$421K	0.06%
67	GOOGLAlphabet Inc. Cl A	1,344	$420K	0.06%
68	PGProcter & Gamble Co.	2,808	$402K	0.05%
69	AZOAutoZone Inc.	115	$390K	0.05%
70	AOAiShares Core 80/20 Aggressive Allocation ETF	4,262	$381K	0.05%
71	ORCLOracle Corporation	1,896	$369K	0.05%
72	IWOiShares Russell 2000 Growth ETF	1,118	$361K	0.05%
73	COFCapital One Financial Corp.	1,482	$359K	0.05%
74	DSIiShares MSCI KLD 400 Social ETF	2,779	$357K	0.05%
75	MAMastercard Incorporated	616	$351K	0.05%
76	RJFRaymond James Financial Inc.	2,181	$350K	0.05%
77	UNHUnitedHealth Group Inc.	1,045	$344K	0.05%
78	KOCoca-Cola Co.	4,796	$335K	0.04%
79	ABBVAbbVie Inc.	1,446	$330K	0.04%
80	ROSTRoss Stores Inc.	1,812	$326K	0.04%
81	RSPTInvesco S&P 500 Equal Weight Technology ETF	7,184	$326K	0.04%
82	IYHiShares U.S. Healthcare ETF	4,984	$324K	0.04%
83	AQLTiShares Select Dividend ETF	2,236	$315K	0.04%
84	ALSAllstate Corporation	1,491	$310K	0.04%
85	XLFFinancial Select Sector SPDR Fund	5,654	$309K	0.04%
86	VVisa Inc.	851	$298K	0.04%
87	IWRiShares Russell Mid-Cap ETF	3,099	$298K	0.04%
88	XLEEnergy Select Sector SPDR Fund	6,660	$297K	0.04%
89	VVVanguard Large Cap ETF	939	$295K	0.04%
90	NVDANVIDIA Corporation	1,568	$292K	0.04%
91	WMTWalmart Inc.	2,610	$290K	0.04%
92	IWPiShares Russell Mid-Cap Growth ETF	2,102	$287K	0.04%
93	CVXChevron Corp.	1,856	$282K	0.04%
94	TFCTruist Financial Corp.	5,701	$280K	0.04%
95	TSLATesla Inc.	599	$269K	0.04%
96	UNPUnion Pacific Corp.	1,140	$263K	0.03%
97	VOTVanguard Mid-Cap Growth ETF	919	$256K	0.03%
98	IAU*iShares Gold Trust ETF	3,152	$255K	0.03%
99	LLYEli Lilly & Co.	231	$248K	0.03%
100	JMSTJPMorgan Ultra-Short Municipal Income ETF	4,700	$239K	0.03%

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