# Arbor Trust Wealth Advisors, LLC

> Arbor Trust Wealth Advisors, LLC is an SEC-registered investment advisory firm in Ann Arbor, MI, registered since 2014, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated June 26, 2026.

- CRD: 169611
- Filed as: ARBOR TRUST WEALTH ADVISORS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Ann Arbor, MI
- Filing period: October 2026
- Form ADV filing dated: June 26, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/169611
- AdvisorCensus page: https://advisorcensus.com/firm/arbor-trust-wealth-advisors-llc-ann-arbor-mi-169611

## Quick answers

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

**How much does Arbor Trust Wealth Advisors, LLC charge?**
Its Form ADV Part 2A brochure dated June 26, 2026 states: Asset-based fee: 0.8% to 1.75% a year (a range, as the brochure states it); Hourly rate: $200 to $400 an hour (stand-alone financial planning and consulting services); Flat fee: $2,500 to $5,000 (stand-alone financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Arbor Trust Wealth Advisors, LLC located?**
Arbor Trust Wealth Advisors, LLC's principal office is in Ann Arbor, MI, according to its Form ADV.

**Is Arbor Trust Wealth Advisors, LLC registered with the SEC or a state?**
Arbor Trust Wealth Advisors, LLC is an SEC-registered investment advisory firm, registered since 2014. Status as filed: Approved. CRD 169611.

**How much does Arbor Trust Wealth Advisors, LLC manage?**
Arbor Trust Wealth Advisors, LLC reports $611,402,502 in regulatory assets under management in its Form ADV filing dated June 26, 2026 (99% discretionary).

**How have Arbor Trust Wealth Advisors, LLC's assets and staff changed since 2021?**
In the Form ADV data for Arbor Trust Wealth Advisors, LLC: Regulatory assets under management: $417,515,430 in the October 2021 data and $611,402,502 in the October 2026 data, up 46%. Total employees: 10 in October 2021 and 13 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Arbor Trust Wealth Advisors, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (260); high net worth individuals (181).

**Which custodians does Arbor Trust Wealth Advisors, LLC use?**
Arbor Trust Wealth Advisors, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Arbor Trust Wealth Advisors, 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/169611

**What changed in Arbor Trust Wealth Advisors, LLC's recent Form ADV filings?**
In the March 2026 filing data: Employees performing advisory functions went from 5 to 3.

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated June 26, 2026)

- Asset-based fee: 0.8% to 1.75% a year (a range, as the brochure states it)

> Fees range from 0.80% to 1.75% annually based on the following schedule:

- Hourly rate: $200 to $400 an hour (stand-alone financial planning and consulting services)

> Arbor Trust offers stand-alone financial planning and consulting services on an hourly basis at rates ranging from $200 to $400 per hour

- Flat fee: $2,500 to $5,000 (stand-alone financial planning services)

> or on a fixed fee basis ranging from $2,500 to $5,000.

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

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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: $611,402,502
- Discretionary: $603,202,539
- Non-discretionary: $8,199,963

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 260 | $88,903,996 |
| High net worth individuals | 181 | $486,084,950 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $8,199,963 |
| Charitable organizations | Fewer than 5 | $26,626,719 |
| State or municipal government entities (including government pension plans) | Fewer than 5 | $1,586,874 |

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

### Firm details
- Registered since: 2014 (12 years)
- Employees: 13 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, FL, IL, MI, NE, NH, OH, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- arbortrust.com
- Facebook @ARBORTRUST
- LinkedIn @arbor-trust-wealth-advisors
- X @ARBORTRUST1

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $417,515,430 | 10 | June 16, 2021 |
| October 2022 | $486,871,670 | 11 | February 17, 2022 |
| October 2023 | $450,554,537 | 10 | February 17, 2023 |
| October 2024 | $527,644,441 | 13 | March 19, 2024 |
| October 2025 | $611,719,592 | 15 | May 30, 2025 |
| October 2026 | $611,402,502 | 13 | June 26, 2026 |

Regulatory assets under management: $417,515,430 in the October 2021 data and $611,402,502 in the October 2026 data, up 46%.
Total employees: 10 in October 2021 and 13 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Employees performing advisory functions went from 5 to 3.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Arbor Trust Wealth Advisors, LLC (CRD 169611): Form ADV filing data as of October 2026.