# Arbor Investment Advisors

> 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.

- CRD: 111077
- Filed as: ARBOR INVESTMENT ADVISORS
- Legal name: Arbor Investment Advisors, LLC
- Also doing business as: ARBOR INVESTMENT ADVISORS
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Winston Salem, NC
- Filing period: October 2026
- Form ADV filing dated: September 3, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/111077
- AdvisorCensus page: https://advisorcensus.com/firm/arbor-investment-advisors-winston-salem-nc-111077

## Quick answers

**How is Arbor Investment Advisors compensated?**
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).

**Where is Arbor Investment Advisors located?**
Arbor Investment Advisors' principal office is in Winston Salem, NC, according to its Form ADV.

**Is Arbor Investment Advisors registered with the SEC or a state?**
Arbor Investment Advisors is an SEC-registered investment advisory firm, registered since 2001. Status as filed: Approved. CRD 111077.

**How much does Arbor Investment Advisors manage?**
Arbor Investment Advisors reports $1,288,361,286 in regulatory assets under management in its Form ADV filing dated September 3, 2026 (88% discretionary).

**How have Arbor Investment Advisors' assets and staff changed since 2021?**
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.

**What types of clients does Arbor Investment Advisors serve?**
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).

**Which custodians does Arbor Investment Advisors use?**
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.

**Does Arbor Investment Advisors 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/111077

**Does Arbor Investment Advisors state an account minimum?**
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."

**What changed in Arbor Investment Advisors' recent Form ADV filings?**
In the October 2026 filing data: Registered or notice-filed in PA.

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated March 30, 2026)

- Account minimum: $1,000,000

> The Registrant generally requires a minimum asset level of $1,000,000 for investment advisory services.

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

### Custodians (Schedule D, Section 5.K(3))
- National Financial Services 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: $1,288,361,286
- Discretionary: $1,134,617,922
- Non-discretionary: $153,743,364

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 181 | $82,086,381 |
| High net worth individuals | 290 | $1,163,116,306 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | Not reported | $0 |
| Business development companies | Not reported | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | Not reported | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $14,596,160 |
| Charitable organizations | 7 | $28,182,370 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | Fewer than 5 | $380,069 |

### Advisory services (Item 5.G)
- 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

### Firm details
- Registered since: 2001 (25 years)
- Employees: 8 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CO, FL, GA, NC, NH, PA, SC, TN, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- arborinvest.com
- LinkedIn @ARBOR-INVESTMENT-ADVISORS

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $744,029,799 | 8 | September 28, 2021 |
| October 2022 | $859,711,575 | 8 | March 29, 2022 |
| October 2023 | $813,415,141 | 8 | March 8, 2023 |
| October 2024 | $956,721,696 | 8 | April 26, 2024 |
| October 2025 | $1,085,323,773 | 8 | March 27, 2025 |
| October 2026 | $1,288,361,286 | 8 | September 3, 2026 |

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.

## Changes in the filing (last 12 months)

### October 2026
- Registered or notice-filed in PA.

### April 2026
- Regulatory assets under management went from $1,085,323,773 to $1,288,361,286 (+19%).
- Registered or notice-filed in CO.

### January 2026
- No longer registered or notice-filed in WA.

### December 2025
- Registered or notice-filed in CA.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Arbor Investment Advisors (CRD 111077): Form ADV filing data as of October 2026.