# Arbor Investment Advisors, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1590073. Source: https://holderbook.com/funds/1590073-arbor-investment-advisors-llc/

- Reported value: $883.5M
- Positions: 145
- Weight of the ten largest: 71.8%
- Filed: 2026-07-24

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| ISHARES TR | [IWB](https://holderbook.com/stocks/IWB/) | $116.7M | 284,885 | 13.2% | 31 |
| INVESCO EXCHANGE TRADED FD T | [PRF](https://holderbook.com/stocks/PRF/) | $111.0M | 2,054,047 | 12.6% | 31 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $104.2M | 1,462,274 | 11.8% | 31 |
| ISHARES TR | [TFLO](https://holderbook.com/stocks/TFLO/) | $67.1M | 1,326,255 | 7.6% | 31 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $52.6M | 675,069 | 6.0% | 31 |
| INVESCO EXCHANGE TRADED FD T | [PRFZ](https://holderbook.com/stocks/PRFZ/) | $44.9M | 805,518 | 5.1% | 31 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $41.2M | 416,709 | 4.7% | 31 |
| ISHARES TR | [TIP](https://holderbook.com/stocks/TIP/) | $36.3M | 331,302 | 4.1% | 21 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $30.0M | 288,795 | 3.4% | 31 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $29.9M | 501,227 | 3.4% | 31 |
| J P MORGAN EXCHANGE TRADED F | [JPST](https://holderbook.com/stocks/JPST/) | $23.8M | 471,203 | 2.7% | 27 |
| VANGUARD SCOTTSDALE FDS | [VONE](https://holderbook.com/stocks/VONE/) | $18.1M | 53,349 | 2.0% | 26 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $16.9M | 229,734 | 1.9% | 31 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $13.4M | 44,714 | 1.5% | 31 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $13.0M | 45,091 | 1.5% | 30 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $12.0M | 96,522 | 1.4% | 31 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $9.7M | 100,765 | 1.1% | 25 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $9.0M | 37,111 | 1.0% | 31 |
| ISHARES TR | [EEM](https://holderbook.com/stocks/EEM/) | $7.2M | 104,559 | 0.8% | 31 |
| VANGUARD INTL EQUITY INDEX F | [VT](https://holderbook.com/stocks/VT/) | $6.5M | 41,321 | 0.7% | 31 |
| VANGUARD INSTL INDEX FD | [VBIL](https://holderbook.com/stocks/VBIL/) | $6.1M | 80,444 | 0.7% | 1 |
| ISHARES INC | [EMXC](https://holderbook.com/stocks/EMXC/) | $5.8M | 56,314 | 0.7% | 6 |
| PIMCO ETF TR | [STPZ](https://holderbook.com/stocks/STPZ/) | $5.6M | 105,322 | 0.6% | 31 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $5.3M | 64,030 | 0.6% | 22 |
| ISHARES TR | [IDEV](https://holderbook.com/stocks/IDEV/) | $4.9M | 55,529 | 0.6% | 19 |
| LOWES COS INC | [LOW](https://holderbook.com/stocks/LOW/) | $4.3M | 19,699 | 0.5% | 1 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $3.9M | 10,485 | 0.4% | 31 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $3.6M | 30,738 | 0.4% | 30 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $3.1M | 8,299 | 0.3% | 31 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $2.8M | 12,892 | 0.3% | 22 |
| HUNTINGTON BANCSHARES INC | [HBAN](https://holderbook.com/stocks/HBAN/) | $2.6M | 145,479 | 0.3% | 2 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $2.4M | 4,838 | 0.3% | 29 |
| VANGUARD MALVERN FDS | [VTIP](https://holderbook.com/stocks/VTIP/) | $2.4M | 47,167 | 0.3% | 24 |
| VANGUARD SCOTTSDALE FDS | [VTWO](https://holderbook.com/stocks/VTWO/) | $2.1M | 17,501 | 0.2% | 31 |
| TRUIST FINL CORP | [TFC](https://holderbook.com/stocks/TFC/) | $2.0M | 41,115 | 0.2% | 8 |
| ASML HLDG NV | [ASML](https://holderbook.com/stocks/ASML/) | $1.9M | 980 | 0.2% | 15 |
| VANGUARD SCOTTSDALE FDS | [VONV](https://holderbook.com/stocks/VONV/) | $1.7M | 16,372 | 0.2% | 16 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $1.7M | 4,720 | 0.2% | 30 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $1.7M | 2,205 | 0.2% | 31 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $1.6M | 1,735 | 0.2% | 24 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $1.6M | 4,512 | 0.2% | 15 |
| DUKE ENERGY CORP NEW | [DUK](https://holderbook.com/stocks/DUK/) | $1.6M | 12,647 | 0.2% | 31 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $1.5M | 6,297 | 0.2% | 22 |
| VANGUARD WORLD FD | [ESGV](https://holderbook.com/stocks/ESGV/) | $1.5M | 11,442 | 0.2% | 15 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $1.3M | 3,570 | 0.1% | 31 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $1.2M | 6,214 | 0.1% | 5 |
| DIMENSIONAL ETF TRUST | [DFAI](https://holderbook.com/stocks/DFAI/) | $1.1M | 27,286 | 0.1% | 3 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.1M | 4,630 | 0.1% | 11 |
| MORGAN STANLEY | [MS](https://holderbook.com/stocks/MS/) | $1.1M | 5,239 | 0.1% | 24 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $1.1M | 1,013 | 0.1% | 10 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $1.0M | 7,309 | 0.1% | 31 |
| EXXONMOBIL HOLDINGS CORP COM SHS | [XOM](https://holderbook.com/stocks/XOM/) | $922.6K | 6,748 | 0.1% | 1 |
| PIMCO ETF TR | [MINT](https://holderbook.com/stocks/MINT/) | $917.1K | 9,098 | 0.1% | 31 |
| MCCORMICK & CO INC | [MKCV](https://holderbook.com/stocks/MKCV/) | $877.4K | 17,374 | 0.1% | 10 |
| BANK OF AMER CORP | [BAC](https://holderbook.com/stocks/BAC/) | $875.4K | 15,363 | 0.1% | 31 |
| VANGUARD ADMIRAL FDS INC | [VOOV](https://holderbook.com/stocks/VOOV/) | $862.8K | 3,936 | 0.1% | 17 |
| J P MORGAN EXCHANGE TRADED F | [JMUB](https://holderbook.com/stocks/JMUB/) | $796.3K | 15,720 | 0.1% | 3 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $788.6K | 2,409 | 0.1% | 30 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $754.0K | 9,277 | 0.1% | 31 |
| BERKSHIRE HATHAWAY INC DEL | [BRKA](https://holderbook.com/stocks/BRKA/) | $748.9K | 1 | 0.1% | 11 |
| PARK NATL CORP | [PRK](https://holderbook.com/stocks/PRK/) | $748.8K | 4,092 | 0.1% | 1 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $733.7K | 2,889 | 0.1% | 31 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $721.1K | 601 | 0.1% | 3 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $707.6K | 947 | 0.1% | 25 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $692.6K | 1,880 | 0.1% | 21 |
| MOTOROLA SOLUTIONS INC | [MSI](https://holderbook.com/stocks/MSI/) | $676.0K | 1,628 | 0.1% | 15 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $675.8K | 3,562 | 0.1% | 10 |
| VANGUARD WELLINGTON FD | [VTES](https://holderbook.com/stocks/VTES/) | $673.1K | 6,644 | 0.1% | 3 |
| ISHARES TR | [STIP](https://holderbook.com/stocks/STIP/) | $654.6K | 6,408 | 0.1% | 31 |
| BERKLEY W R CORP | [WRB](https://holderbook.com/stocks/WRB/) | $643.0K | 9,116 | 0.1% | 1 |
| TOWNEBANK PORTSMOUTH VA | [TOWN](https://holderbook.com/stocks/TOWN/) | $632.8K | 17,462 | 0.1% | 1 |
| CUMMINS INC | [CMI](https://holderbook.com/stocks/CMI/) | $623.3K | 874 | 0.1% | 6 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $602.7K | 2,143 | 0.1% | 1 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $593.4K | 2,358 | 0.1% | 18 |
| ENTERPRISE PRODS PARTNERS L | [EPD](https://holderbook.com/stocks/EPD/) | $538.8K | 14,656 | 0.1% | 2 |
| VANGUARD SCOTTSDALE FDS | [VTHR](https://holderbook.com/stocks/VTHR/) | $536.6K | 1,619 | 0.1% | 26 |
| WELLS FARGO & CO | [WFC](https://holderbook.com/stocks/WFC/) | $503.6K | 6,094 | 0.1% | 1 |
| BOEING CO | [BA](https://holderbook.com/stocks/BA/) | $503.1K | 2,324 | 0.1% | 4 |
| ISHARES TR | [AOA](https://holderbook.com/stocks/AOA/) | $498.5K | 5,108 | 0.1% | 15 |
| ALLSTATE CORP | [ALL](https://holderbook.com/stocks/ALL/) | $496.7K | 2,088 | 0.1% | 31 |
| PUBLIC SVC ENTERPRISE GROUP | [PEG](https://holderbook.com/stocks/PEG/) | $487.0K | 6,000 | 0.1% | 1 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $476.0K | 1,761 | 0.1% | 11 |
| SELECT SECTOR SPDR TR | [XLE](https://holderbook.com/stocks/XLE/) | $472.2K | 8,892 | 0.1% | 7 |
| INVESCO EXCHANGE TRADED FD T | [RSPT](https://holderbook.com/stocks/RSPT/) | $463.3K | 7,183 | 0.1% | 14 |
| SCHWAB STRATEGIC TR | [FNDX](https://holderbook.com/stocks/FNDX/) | $455.7K | 14,652 | 0.1% | 3 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $448.3K | 1,307 | 0.1% | 4 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $440.1K | 1,165 | 0.0% | 1 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $436.1K | 9,832 | 0.0% | 1 |
| ISHARES INC | [URTH](https://holderbook.com/stocks/URTH/) | $434.6K | 2,145 | 0.0% | 15 |
| ISHARES TR | [IWO](https://holderbook.com/stocks/IWO/) | $433.9K | 1,101 | 0.0% | 25 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $432.5K | 842 | 0.0% | 4 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $423.0K | 3,735 | 0.0% | 8 |
| HCA HEALTHCARE INC | [HCA](https://holderbook.com/stocks/HCA/) | $420.6K | 1,079 | 0.0% | 1 |
| ISHARES GOLD TR | [IAU](https://holderbook.com/stocks/IAU/) | $416.9K | 5,521 | 0.0% | 20 |
| ISHARES TR | [DSI](https://holderbook.com/stocks/DSI/) | $396.0K | 2,781 | 0.0% | 31 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $384.4K | 2,621 | 0.0% | 28 |
| ISHARES TR | [DVY](https://holderbook.com/stocks/DVY/) | $383.3K | 2,452 | 0.0% | 31 |
| GE VERNOVA INC | [GEV](https://holderbook.com/stocks/GEV/) | $374.8K | 319 | 0.0% | 1 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $357.6K | 2,157 | 0.0% | 15 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $354.1K | 629 | 0.0% | 1 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +9.2% | +14.8% | -5.7% | 100% |
| Q1 2026 | -0.4% | -4.6% | +4.2% | 100% |
| Q4 2025 | +1.7% | +2.4% | -0.7% | 100% |
| Q3 2025 | +5.4% | +7.8% | -2.5% | 100% |
| Q2 2025 | +5.9% | +10.5% | -4.5% | 99% |
| Q1 2025 | -0.1% | -4.6% | +4.5% | 100% |
| Q4 2024 | -2.0% | +2.1% | -4.2% | 100% |
| Q3 2024 | +5.4% | +5.4% | -0.1% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $883.5M | 145 |
| Q1 2026 | $768.2M | 114 |
| Q4 2025 | $759.9M | 111 |
| Q3 2025 | $787.7M | 127 |
| Q2 2025 | $780.4M | 112 |
| Q1 2025 | $736.1M | 113 |
| Q4 2024 | $712.5M | 107 |
| Q3 2024 | $755.1M | 116 |
| Q2 2024 | $683.9M | 101 |
| Q1 2024 | $683.0M | 111 |
| Q4 2023 | $639.3M | 103 |
| Q3 2023 | $572.5M | 101 |