# Arbor Financial Services, LLC

> Arbor Financial Services, LLC is an SEC-registered investment advisory firm in Downers Grove, IL, registered since 2021, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 12, 2026.

- CRD: 150713
- Filed as: ARBOR FINANCIAL SERVICES, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Downers Grove, IL
- Filing period: October 2026
- Form ADV filing dated: February 12, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/150713
- AdvisorCensus page: https://advisorcensus.com/firm/arbor-financial-services-llc-downers-grove-il-150713

## Quick answers

**How is Arbor Financial Services, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Arbor Financial Services, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees); other.

**How much does Arbor Financial Services, LLC charge?**
Its Form ADV Part 2A brochure dated February 3, 2025 states: Flat fee: $500 to $5,000 (financial planning and/or consulting services); Hourly rate: $100 to $500 an hour (financial planning and/or consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Arbor Financial Services, LLC located?**
Arbor Financial Services, LLC's principal office is in Downers Grove, IL, according to its Form ADV.

**Is Arbor Financial Services, LLC registered with the SEC or a state?**
Arbor Financial Services, LLC is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 150713.

**How much does Arbor Financial Services, LLC manage?**
Arbor Financial Services, LLC reports $122,215,136 in regulatory assets under management in its Form ADV filing dated February 12, 2026 (100% discretionary).

**How have Arbor Financial Services, LLC's assets and staff changed since 2021?**
In the Form ADV data for Arbor Financial Services, LLC: Regulatory assets under management: $112,505,871 in the October 2021 data and $122,215,136 in the October 2026 data, up 9%. Total employees: 9 in October 2021 and 5 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Arbor Financial Services, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (202); high net worth individuals (38).

**Which custodians does Arbor Financial Services, LLC use?**
Arbor Financial Services, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists LPL Financial LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Arbor Financial Services, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/150713

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
- Other

### Fees and minimums (Form ADV Part 2A brochure dated February 3, 2025)

- Flat fee: $500 to $5,000 (financial planning and/or consulting services)

> Our fees for these services may consist of a fixed fee, an hourly fee, or a combination thereof. Currently, fixed fees range from $500 to $5,000

- Hourly rate: $100 to $500 an hour (financial planning and/or consulting services)

> Our fees for these services may consist of a fixed fee, an hourly fee, or a combination thereof. Currently, fixed fees range from $500 to $5,000 and hourly fees range from $100 to $500.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- LPL Financial LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $122,215,136
- Discretionary: $122,215,136
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 202 | $51,016,436 |
| High net worth individuals | 38 | $71,198,700 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services

### Firm details
- Registered since: 2021 (5 years)
- Employees: 5 total, 3 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: CO, FL, IL, IN, MI, TX, WI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- arborfinancialservices.com
- Facebook @ArborFinancialServices1
- LinkedIn @ArborFinancialServicesllc
- X @ArborFinancial1

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $112,505,871 | 9 | May 14, 2021 |
| October 2022 | $117,367,501 | 9 | March 11, 2022 |
| October 2023 | $109,989,488 | 7 | April 17, 2023 |
| October 2024 | $117,743,494 | 7 | April 25, 2024 |
| October 2025 | $113,405,818 | 6 | February 3, 2025 |
| October 2026 | $122,215,136 | 5 | February 12, 2026 |

Regulatory assets under management: $112,505,871 in the October 2021 data and $122,215,136 in the October 2026 data, up 9%.
Total employees: 9 in October 2021 and 5 in October 2026.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Arbor Financial Services, LLC (CRD 150713): Form ADV filing data as of October 2026.