{"url":"https://nivawealth.com/firms/arbor-financial-services-150713","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/150713","regulatoryAum":122215136,"crd":"150713","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6230066","suffix":null,"lastName":"BERAN","firstName":"PAUL","middleName":"B"},{"crd":"1631691","suffix":null,"lastName":"CLAEYS","firstName":"PETER","middleName":"CHARLES"},{"crd":"7505842","suffix":null,"lastName":"JANKOVSKIS","firstName":"PETER","middleName":"MIKELIS"},{"crd":"8093546","suffix":null,"lastName":"Schwartz","firstName":"Katharine","middleName":"Augusta"}],"total":4,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-05-14","regulatoryAum":112505871,"clients":236,"employees":9,"offices":1},{"filedOn":"2022-03-11","regulatoryAum":117367501,"clients":244,"employees":9,"offices":1},{"filedOn":"2023-04-17","regulatoryAum":109989488,"clients":265,"employees":7,"offices":1},{"filedOn":"2024-04-25","regulatoryAum":117743494,"clients":240,"employees":7,"offices":1},{"filedOn":"2025-02-03","regulatoryAum":113405818,"clients":232,"employees":6,"offices":1},{"filedOn":"2026-02-12","regulatoryAum":122215136,"clients":240,"employees":5,"offices":1}],"secFileNumber":"801-121507","legalName":"Arbor Financial Services, LLC","displayName":"Arbor Financial Services","slug":"arbor-financial-services-150713","website":"https://arborfinancialservices.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/150713/df45a5facd454ee1-r1.webp","tone":"dark","width":1161,"height":200,"sourceUrl":"https://arborfinancialservices.com/","sourceLabel":"Arbor Financial Services, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"http://www.linkedin.com/company/ArborFinancialServicesllc","xUrl":"http://www.twitter.com/ArborFinancial1","founded":null,"organization":"Illinois limited liability company","fiscalYearEnd":"December","headquarters":{"street":"2001 Butterfield Road, Suite 500","city":"Downers Grove","state":"IL","stateName":"Illinois","country":"United States","postalCode":"60515"},"tradeNames":[],"registration":{"secApproved":"14 June 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":509229.73333333334,"staff":{"employees":5,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":122215136,"discretionary":122215136,"discretionaryAccounts":381,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":122215136,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":202,"regulatoryAum":51016436},{"label":"High-net-worth individuals","clients":38,"regulatoryAum":71198700}],"feePrograms":[{"role":"other","program":"Financial planning and consulting","summary":"Separate financial planning or consulting is a fixed fee from $500 to $5,000, an hourly fee from $100 to $500, or both, negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=940255","versionId":940255,"submittedOn":"2026-02-12","documentName":"ARBOR FINANCIAL ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T13:58:14.518251+00:00","documents":[{"name":"ARBOR FINANCIAL ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=940255","versionId":940255,"submittedOn":"2026-02-12"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=815737","versionId":815737,"submittedOn":null}]},"custodians":[{"name":"LPL Financial LLC","shortName":"LPL Financial","location":"Boston, MA","smaAssets":113405818}],"custodyNote":"Arbor Financial Services has custody of $72.4M in client assets for 170 clients.","otherCustodians":[],"leadership":[{"name":"Peter Claeys","title":"Chief Compliance Officer, Member","crd":"1631691"}],"ownership":[{"label":"Profitability Concepts and Consulting, LLC","detail":"Managing member in the 75% or more ownership band and a control person, since November 2000."},{"label":"Peter Claeys","detail":"Indirect owner: a managing member of Profitability Concepts and Consulting, LLC in the 75% or more band and a control person, since June 2000.","parent":"Profitability Concepts and Consulting, LLC"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Illinois","offices":1,"addresses":[{"street":"2001 Butterfield Road, Suite 500","city":"Downers Grove","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"630-701-9080","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)","Other"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":47},{"label":"Securities issued by registered investment companies or business development companies","percent":47},{"label":"Cash and cash equivalents","percent":6}],"privateFunds":0},"sources":{"adv1FilingDate":"12 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/150713/PDF/150713.pdf","brochureDate":"12 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=940255","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Arbor Financial Services have?","answer":"Arbor Financial Services has 240 clients and manages $122 million for them, as of February 2026. They include 202 individual clients and 38 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 12 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Arbor Financial Services offer?","answer":"Arbor Financial Services provides financial planning, portfolio management for individuals and small businesses, and pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Arbor Financial Services use?","answer":"Arbor Financial Services’ separately managed account assets are held at LPL Financial LLC (Boston, MA), with $113M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 12 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Arbor Financial Services have?","answer":"Arbor Financial Services has 4 investment adviser representatives registered with state securities authorities, out of 5 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Arbor Financial Services invest in?","answer":"At the end of its last fiscal year, Arbor Financial Services’ separately managed accounts held 47% exchange-traded equities, 47% registered funds (mutual funds, ETFs, BDCs) and 6% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Arbor Financial Services?","answer":"Arbor Financial Services is owned through a holding company by Peter Claeys. Its direct owner is Profitability Concepts and Consulting, LLC (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 12 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Arbor Financial Services get paid?","answer":"Arbor Financial Services is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Arbor Financial Services?","answer":"Arbor Financial Services’ main office is at 2001 Butterfield Road, Suite 500, Downers Grove, IL 60515. Its phone number is 630-701-9080. Its website is arborfinancialservices.com.","source":"Form ADV Part 1A, Item 1.F, filed 12 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}