Arbor Wealth Advisors LLC

RIA/Wealth

Arbor Wealth Advisors LLC is a RIA/Wealth based in Troy, MI led by Aaron Ray Andreas, reporting $587.3M in AUM as of Q3 2025 with 82% ETF concentration, 74% concentrated in top 10 holdings, and 23% allocation to VTV.

Managing PartnerAaron Ray Andreas

Portfolio Value: $132.8M
Positions: 54
Top Holding: VTV at 23.45%
Last Reported: Q3 2025

Address101 West Big Beaver Road, Suite 1400, Troy, MI, 48084, United States

Top Holdings

Largest long holdings in Arbor Wealth Advisors LLC's portfolio (73.9% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Vanguard Value VTV	ETF ETF	$31.1M	23.45%	+$76.5K Bought	— 167.0K shares	Q4 2023 Held for 1y 11m
2 Vanguard Total International Stock VXUS	ETF ETF	$22.5M	16.91%	-$543.1K Sold	— 305.7K shares	Q4 2023 Held for 1y 11m
3 Vanguard Small-Cap ETF VB	ETF ETF	$12.8M	9.64%	+$2.5K Bought	— 50.4K shares	Q4 2023 Held for 1y 11m
4 Vanguard Small-Cap Value VBR	ETF ETF	$7.4M	5.60%	+$6.7K Bought	— 35.6K shares	Q4 2023 Held for 1y 11m
5 Vanguard Total Stock Market VTI	ETF ETF	$6.0M	4.48%	-$26.6K Sold	— 18.1K shares	Q4 2023 Held for 1y 11m
6 BorgWarner BWA	Auto - Parts Consumer Cyclical	$4.8M	3.60%	—	0.05% 108.7K shares	Q4 2023 Held for 1y 11m
7 Dimensional U.S. Core Equity 2 DFAC	ETF ETF	$4.5M	3.36%	—	— 115.8K shares	Q4 2023 Held for 1y 11m
8 Vanguard FTSE All-World EX-US Small-Cap Index Fund VSS	ETF ETF	$3.3M	2.49%	—	— 23.2K shares	Q4 2023 Held for 1y 11m
9 SPDR S&P 500 ETF Trust SPY	ETF ETF	$3.0M	2.23%	—	— 4.4K shares	Q4 2023 Held for 1y 11m
10 Vanguard Short-Term Bond BSV	ETF ETF	$2.8M	2.10%	+$213.5K Bought	— 35.4K shares	Q4 2023 Held for 1y 11m

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Changes

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

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Market Value

$132.8M

Prior: $123.3M

Q/Q Change

+7.73%

+$9.5M

Net Flows % of MV

+0.056%

Turnover Ratio

0.747%

New Purchases

0 stocks

Added To

11 stocks

+$920.9K

Sold Out Of

1 stocks

$204.3K

Reduced Holdings

5 stocks

-$642.8K

Increased Positions

Position	Shares Δ	Change
1 Vanguard FTSE Developed Markets VEA	+22.28%	37.0K → 45.3K +$494.6K
2 Vanguard Short-Term Bond BSV	+8.28%	32.7K → 35.4K +$213.5K
3 Avantis U.S. Small Cap Value AVUV	+5.39%	21.7K → 22.9K +$116.5K
4 Vanguard Intermediate-Term Bond BIV	+0.43%	4.2K → 4.2K +$1.4K
5 iShares Core S&P 500 ETF IVV	+0.3%	3.0K → 3.1K +$6.0K

Decreased Positions

Position	Shares Δ	Change
1 International Business Machines IBM	Sold	693.0 → 0 −$204.3K
2 DFUV Dimensional US Marketwide Value DFUV	-6.78%	20.5K → 19.2K −$62.2K
3 Vanguard Total International Stock VXUS	-2.36%	313.1K → 305.7K −$543.1K
4 Amazon AMZN	-0.77%	2.3K → 2.3K −$4.0K
5 JPMorgan Chase JPM	-0.7%	3.1K → 3.1K −$6.9K

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Analytics

Portfolio insights and performance metrics for Arbor Wealth Advisors LLC

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Sector Allocation

ETF

81.60%

Consumer Cyclical

7.00%

Industrials

3.30%

Technology

2.40%

Financial Services

2.10%

Communication Services

1.20%

Utilities

0.60%

Consumer Defensive

0.40%

Energy

0.20%

Market Cap Distribution

Mega Cap (> $200B)

7.72%

Large Cap ($10B - $200B)

4.73%

Mid Cap ($2B - $10B)

4.67%

Small Cap ($300M - $2B)

0.07%

N/A (ETF or Unknown)

82.80%

Portfolio Concentration

Top 10 Holdings %

73.88%

Top 20 Holdings %

87.05%

Top 50 Holdings %

99.43%

Top 100 Holdings %

100.0%