{
  "crd_number": 111077,
  "slug": "arbor-investment-advisors-winston-salem-nc-111077",
  "primary_business_name": "ARBOR INVESTMENT ADVISORS",
  "legal_name": "ARBOR INVESTMENT ADVISORS, LLC",
  "dbas": [
    "ARBOR INVESTMENT ADVISORS"
  ],
  "city": "Winston Salem",
  "state": "NC",
  "country": "United States",
  "cbsa_code": "49180",
  "metro": {
    "cbsa_code": "49180",
    "common_name": "Winston-Salem",
    "msa_name": "Winston-Salem, NC",
    "path": "/advisors/nc/winston-salem"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2001-01-24",
  "years_registered": 25,
  "period": "2026-10-01",
  "filing_date": "2026-09-03",
  "carried_forward": false,
  "raum_total": 1288361286.0,
  "raum_discretionary": 1134617922.0,
  "raum_non_discretionary": 153743364.0,
  "raum_band": "1b_5b",
  "raum_band_label": "$1 billion to $5 billion",
  "total_employees": 8,
  "advisory_employees": 4,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "charitable": {
      "raum": 28182370.0,
      "count": 7
    },
    "individuals": {
      "raum": 82086381.0,
      "count": 181
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": null
    },
    "pension_profit_sharing": {
      "raum": 14596160.0,
      "count": null,
      "fewer_than_5": true
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 1163116306.0,
      "count": 290
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": null
    },
    "corporations_other_businesses": {
      "raum": 380069.0,
      "count": null,
      "fewer_than_5": true
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": null
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "fixed",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "other",
    "periodicals_newsletters",
    "portfolio_management_individuals",
    "selection_of_other_advisers"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA",
    "CO",
    "FL",
    "GA",
    "NC",
    "NH",
    "PA",
    "SC",
    "TN",
    "TX"
  ],
  "websites": [
    "https://arborinvest.com",
    "https://linkedin.com/COMPANY/ARBOR-INVESTMENT-ADVISORS"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/111077",
  "city_as_filed": "WINSTON SALEM",
  "url": "https://advisorcensus.com/firm/arbor-investment-advisors-winston-salem-nc-111077",
  "display_name": "Arbor Investment Advisors",
  "summary": "Arbor Investment Advisors is an SEC-registered investment advisory firm in Winston Salem, NC, registered since 2001, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated September 3, 2026.",
  "citation": "AdvisorCensus. Arbor Investment Advisors (CRD 111077): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Selection of other advisers (including private fund managers)",
    "Publication of periodicals or newsletters",
    "Other"
  ],
  "quick_answers": [
    {
      "q": "How is Arbor Investment Advisors compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Arbor Investment Advisors reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Arbor Investment Advisors charge?",
      "a": "Its Form ADV Part 2A brochure dated March 30, 2026 states: Flat fee: $3,000 to $7,000 (financial planning and/or consulting services…). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Arbor Investment Advisors located?",
      "a": "Arbor Investment Advisors' principal office is in Winston Salem, NC, according to its Form ADV."
    },
    {
      "q": "Is Arbor Investment Advisors registered with the SEC or a state?",
      "a": "Arbor Investment Advisors is an SEC-registered investment advisory firm, registered since 2001. Status as filed: Approved. CRD 111077."
    },
    {
      "q": "How much does Arbor Investment Advisors manage?",
      "a": "Arbor Investment Advisors reports $1,288,361,286 in regulatory assets under management in its Form ADV filing dated September 3, 2026 (88% discretionary)."
    },
    {
      "q": "How have Arbor Investment Advisors' assets and staff changed since 2021?",
      "a": "In the Form ADV data for Arbor Investment Advisors: Regulatory assets under management: $744,029,799 in the October 2021 data and $1,288,361,286 in the October 2026 data, up 73%. Total employees: 8 in October 2021 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Arbor Investment Advisors serve?",
      "a": "By number of clients on Form ADV Item 5.D: high net worth individuals (290); individuals (other than high net worth individuals) (181); charitable organizations (7)."
    },
    {
      "q": "Which custodians does Arbor Investment Advisors use?",
      "a": "Arbor Investment Advisors' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists National Financial Services LLC as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Arbor Investment Advisors report any disciplinary disclosures?",
      "a": "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/111077"
    },
    {
      "q": "Does Arbor Investment Advisors state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 30, 2026 says: \"The Registrant generally requires a minimum asset level of $1,000,000 for investment advisory services.\""
    },
    {
      "q": "What changed in Arbor Investment Advisors' recent Form ADV filings?",
      "a": "In the October 2026 filing data: Registered or notice-filed in PA."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 744029799.0,
      "total_employees": 8,
      "filing_date": "2021-09-28"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 859711575.0,
      "total_employees": 8,
      "filing_date": "2022-03-29"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 813415141.0,
      "total_employees": 8,
      "filing_date": "2023-03-08"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 956721696.0,
      "total_employees": 8,
      "filing_date": "2024-04-26"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 1085323773.0,
      "total_employees": 8,
      "filing_date": "2025-03-27"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 1288361286.0,
      "total_employees": 8,
      "filing_date": "2026-09-03"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-10-01",
      "period_label": "October 2026",
      "notes": [
        "Registered or notice-filed in PA."
      ]
    },
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Regulatory assets under management went from $1,085,323,773 to $1,288,361,286 (+19%).",
        "Registered or notice-filed in CO."
      ]
    },
    {
      "period": "2026-01-01",
      "period_label": "January 2026",
      "notes": [
        "No longer registered or notice-filed in WA."
      ]
    },
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Registered or notice-filed in CA."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 30, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$1,000,000",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Flat fee: $3,000 to $7,000 (financial planning and/or consulting services…)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $1,000,000"
        ],
        "quotes": [
          "The Registrant generally requires a minimum asset level of $1,000,000 for investment advisory services."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $3,000 to $7,000 (financial planning and/or consulting services…)"
        ],
        "quotes": [
          "Registrant’s planning and consulting fees are negotiable, but generally range from a flat fee of $3,000 to $7,000, depending upon the level and scope of the service(s) required and the professional(s) rendering the service(s)."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 1000000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "flat",
          "amount": null,
          "min": 3000.0,
          "max": 7000.0,
          "period": "one_time",
          "service": "financial planning and/or consulting services (including investment and non-investment related matters, including estate"
        }
      ]
    },
    "quotes": [
      "The Registrant generally requires a minimum asset level of $1,000,000 for investment advisory services.",
      "Registrant’s planning and consulting fees are negotiable, but generally range from a flat fee of $3,000 to $7,000, depending upon the level and scope of the service(s) required and the professional(s) rendering the service(s)."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "National Financial Services LLC",
      "name_as_filed": "NATIONAL FINANCIAL SERVICES LLC",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/arbor-investment-advisors-winston-salem-nc-111077.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 181,
      "fewer_than_5": false,
      "raum": 82086381.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 290,
      "fewer_than_5": false,
      "raum": 1163116306.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": null,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": null,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": null,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": null,
      "fewer_than_5": true,
      "raum": 14596160.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 7,
      "fewer_than_5": false,
      "raum": 28182370.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": null,
      "fewer_than_5": true,
      "raum": 380069.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/111077",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}