Arbor Investment Advisors, LLC

RIA/Wealth

Arbor Investment Advisors, LLC is a RIA/Wealth based in Ann Arbor, MI led by Scott Edward Cawood, reporting $1.1B in AUM as of Q3 2025 with 92% ETF concentration, 72% concentrated in top 10 holdings, and minimal technology exposure.

CEOScott Edward Cawood

Portfolio Value: $787.7M
Positions: 127
Top Holding: IWB at 14%
Last Reported: Q3 2025

Address3400 Travis Pointe Rd., Suite E, Ann Arbor, MI, 48108, United States

Top Holdings

Largest long holdings in Arbor Investment Advisors, LLC's portfolio (72.5% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 iShares Russell 1000 IWB	ETF ETF	$110.2M	14.00%	-$16.5M Sold	— 301.6K shares	Q4 2010 Held for 14y 11m
2 Invesco FTSE RAFI US 1000 PRF	ETF ETF	$93.1M	11.82%	-$9.7M Sold	— 2.1M shares	Q4 2010 Held for 14y 11m
3 Vanguard FTSE Developed Markets VEA	ETF ETF	$88.3M	11.21%	-$5.6M Sold	— 1.5M shares	Q4 2010 Held for 14y 11m
4 iShares Treasury Floating Rate Bond TFLO	ETF ETF	$65.2M	8.28%	-$3.1M Sold	— 1.3M shares	Q2 2018 Held for 7y 5m
5 Vanguard Short-Term Bond BSV	ETF ETF	$47.9M	6.08%	+$122.9K Bought	— 607.4K shares	Q1 2018 Held for 7y 8m
6 iShares Core U.S. Aggregate Bond AGG	ETF ETF	$40.4M	5.12%	+$350.0K Bought	— 402.6K shares	Q3 2018 Held for 7y 2m
7 Invesco FTSE RAFI US 1500 Small-Mid ETF PRFZ	ETF ETF	$35.2M	4.47%	-$5.6M Sold	— 775.7K shares	Q1 2011 Held for 14y 8m
8 iShares TIPS Bond TIP	ETF ETF	$35.0M	4.44%	-$12.6K Sold	— 314.3K shares	Q2 2021 Held for 4y 5m
9 iShares MSCI EAFE EFA	ETF ETF	$28.2M	3.58%	-$4.6M Sold	— 302.4K shares	Q4 2010 Held for 14y 11m
10 Vanguard FTSE Emerging Markets VWO	ETF ETF	$27.4M	3.48%	-$1.8M Sold	— 505.2K shares	Q4 2010 Held for 14y 11m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Arbor Investment Advisors, LLC's latest filing

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Market Value

$787.7M

Prior: $780.0M

Q/Q Change

+0.988%

+$7.7M

Net Flows % of MV

-5.25%

Turnover Ratio

6.28%

New Purchases

9 stocks

$3.4M

Added To

32 stocks

+$21.7M

Sold Out Of

10 stocks

$2.9M

Reduced Holdings

52 stocks

-$63.5M

Increased Positions

Position	Shares Δ	Change
1 KeyCorp KEY	New	0 → 35.5K +$663.9K
2 W.R. Berkley WRB	New	0 → 8.5K +$650.4K
3 AutoZone AZO	New	0 → 115.0 +$493.4K
4 Mastercard MA	New	0 → 616.0 +$350.4K
5 Visa V	New	0 → 851.0 +$290.4K

Decreased Positions

Position	Shares Δ	Change
1 Broadcom Inc. AVGO	Sold	1.5K → 0 −$414.9K
2 Apollo Global Management APO	Sold	2.8K → 0 −$397.2K
3 General Electric GE	Sold	1.5K → 0 −$384.0K
4 Taiwan Semiconductor Manufacturing Company TSM	Sold	1.3K → 0 −$287.9K
5 VanEck Gold Miners GDX	Sold	5.5K → 0 −$284.6K