Arbor Investment Advisors provides financial planning, portfolio management for individuals and small businesses, selecting other managers, publishing newsletters, estate planning, insurance, retirement plan services, and tax planning. Financial planning was provided to 11–25 clients last fiscal year.
Arbor Investment Advisors reports 478 clients. They include 290 high-net-worth individuals, 181 individual clients and 7 charitable organizations. Of its assets, 88.1% ($1.13B across 1,418 accounts) are managed with discretion; $154M across 39 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 38% | 6% |
| High-net-worth individuals | 61% | 90% |
| Pension and profit-sharing plans | Fewer than 5 | 1% |
| Charitable organizations | 1% | 2% |
| Corporations and other businesses | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 181 | $82.1M | 6.4% | $454K |
| High-net-worth individuals | 290 | $1.16B | 90.3% | $4.01M |
| Pension and profit-sharing plans | Fewer than 5 | $14.6M | 1.1% | — |
| Charitable organizations | 7 | $28.2M | 2.2% | $4.03M |
| Corporations and other businesses | Fewer than 5 | $380K | 0.0% | — |
| Total | 478 | $1.29B | 100% | — |
- Clients
- 181
- Regulatory AUM
- $82.1M
- AUM share
- 6.4%
- Avg. per client
- $454K
- Clients
- 290
- Regulatory AUM
- $1.16B
- AUM share
- 90.3%
- Avg. per client
- $4.01M
- Clients
- Fewer than 5
- Regulatory AUM
- $14.6M
- AUM share
- 1.1%
- Avg. per client
- —
- Clients
- 7
- Regulatory AUM
- $28.2M
- AUM share
- 2.2%
- Avg. per client
- $4.03M
- Clients
- Fewer than 5
- Regulatory AUM
- $380K
- AUM share
- 0.0%
- Avg. per client
- —
Total
- Clients
- 478
- Regulatory AUM
- $1.29B
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 11–25
Arbor Investment Advisors charges 0.40%–1.00% a year for its Investment Advisory Services. The fee is billed in advance and is negotiable. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Advisory Fee Below Minimum
- Clients below the $1,000,000 minimum pay an advisory fee of 1.25% on all assets under management.
- Financial Planning and Consulting (Stand-Alone)
- Stand-alone financial planning and consulting is negotiable, generally a flat fee of $3,000 to $7,000.
Scott Cawood owns 25% to 50% of Arbor Investment Advisors. Scott Cawood is CEO; the leadership team includes Chief Operating Officer Paige Pruitt Birchfield and Chief Financial Officer Scott Jones. It has 8 employees, 4 of them in advisory roles.
Leadership
- Scott CawoodChief Executive Officer and Chief Investment Officer
- Scott JonesChief Financial Officer, Treasurer, Secretary
- Paige Pruitt BirchfieldChief Operating Officer
- April Y BeasonChief Compliance Officer
- Jennifer L Jamison-CraverSecurity Holder
- Erika MielkeChief Growth Officer
- William HollanSecurity Holder
Investment adviser representatives
5 representatives listed in the SEC register as of 9 October 2026.
- Scott Edward Cawood
- William Edwin Hollan III
- James Houston Hough
- Scott Daniel Jones
- Erika Leigh Mielke
Staff
- 8 employees
- 4 in advisory functions
- 4 state-registered reps
- Owns 25% to 50% of Arbor Investment Advisors, LLC
Scott Cawood
Control person · since September 2003
- Owns 10% to 25% of Arbor Investment Advisors, LLC
Scott Jones
Control person · since June 2006
- Owns 10% to 25% of Arbor Investment Advisors, LLC
William Hollan
Control person · since March 2011
- Owns 10% to 25% of Arbor Investment Advisors, LLC
Erika Mielke
Control person · since January 2018
- Owns 5% to 10% of Arbor Investment Advisors, LLC
Paige Pruitt Birchfield
Control person · since March 2015
- Owns 5% to 10% of Arbor Investment Advisors, LLC
April Y Beason
Control person · since March 2015
Arbor Investment Advisors’ regulatory assets grew 1.7× from $744M (March 2021) to $1.29B (September 2026); clients rose from 257 to 478 and employees were 8 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Sep 2026September 2026 | $1.29B | 478 | 8 | 1 |
| Mar 2025March 2025 | $1.09B | 426 | 8 | 1 |
| Apr 2024April 2024 | $957M | 398 | 8 | 1 |
| Mar 2023March 2023 | $813M | 270 | 8 | 1 |
| Mar 2022March 2022 | $860M | 262 | 8 | 1 |
| Mar 2021March 2021 | $744M | 257 | 8 | 1 |
Besides its headquarters, Arbor Investment Advisors has 0 offices, with 1 listed address in 1 state.
North Carolina · 1 listed address
- 300 South Main Street, Winston SalemHQ
Other business names
Arbor Investment Advisors has reported 1 other business name to the SEC.
- Arbor Investment Advisors
Contact and registration details
- Legal name
- Arbor Investment Advisors, LLC
- Headquarters
- 300 South Main Street, Winston Salem, NC 27101
- Website
- arborinvest.com
- Phone
- 336-777-1677
- @arbor-investment-advisors
- SEC file
- 801-58281
- Founded
- 1998
- Structure
- North Carolina LLC
- Fiscal year end
- December
Arbor Investment Advisors’ named custodian for separately managed accounts is Fidelity ($1.26B). Arbor Investment Advisors has custody of $1.04B for 322 clients.
- FidelityNational Financial Services LLC · Boston, MA · $1.26B100%
At year end, Arbor Investment Advisors’ separately managed accounts were mostly in funds (87%). Its reported 13F holdings for the quarter ended 30 June 2026 total $883M across 145 positions; the largest are iShares Russell 1000 ETF (13.2%), Invesco FTSE Rafi US 1000 ETF (12.6%) and Vanguard FTSE Developed Markets ETF (11.8%).
What the accounts hold
- Stocks8%
- Funds87%
- Bonds3%
- Cash2%
Reported 13F holdings
- $883M
- Reported 13F value
- 145
- Positions
- 71.8%
- In the 10 largest
- +15.0%
- Value vs. prior quarter
- iShares Russell 1000 ETFETF13.2%
- Invesco FTSE Rafi US 1000 ETFETF12.6%
- Vanguard FTSE Developed Markets ETFETF11.8%
- iShares Treasury Floating Rate Bond ETFETF7.6%
- Vanguard Short-term Bond ETFETF6.0%
- Invesco FTSE Rafi US 1500 Small-mid ETFETF5.1%
- iShares Core U.S. Aggregate Bond ETFETF4.7%
- iShares Tips Bond ETFETF4.1%
- iShares MSCI Eafe ETFETF3.4%
- Vanguard FTSE Emerging Markets ETFETF3.4%
Together, the ten largest are 71.8% of reported value.
How many clients does Arbor Investment Advisors have?
Arbor Investment Advisors has 478 clients and manages $1.29 billion for them, as of September 2026. They include 290 high-net-worth individuals, 181 individual clients and 7 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 3 September 2026
What services does Arbor Investment Advisors offer?
Arbor Investment Advisors provides financial planning, portfolio management for individuals and small businesses, selecting other managers, publishing newsletters, estate planning, insurance, retirement plan services, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Arbor Investment Advisors charge?
Arbor Investment Advisors charges 0.40%–1.00% a year for its Investment Advisory Services. The fee is billed in advance and is negotiable.
Source: ADV PART 2A, filed 30 March 2026
Which custodians does Arbor Investment Advisors use?
Arbor Investment Advisors’ separately managed account assets are held at National Financial Services LLC (Boston, MA), with $1.26B. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 3 September 2026
How many financial advisors does Arbor Investment Advisors have?
Arbor Investment Advisors has 4 investment adviser representatives registered with state securities authorities, out of 8 employees, and 4 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
What does Arbor Investment Advisors invest in?
At the end of its last fiscal year, Arbor Investment Advisors’ separately managed accounts held 87% registered funds (mutual funds, ETFs, BDCs), 8% exchange-traded equities, 3% U.S. government and agency bonds and 2% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Arbor Investment Advisors?
Arbor Investment Advisors’ direct owners are Scott Cawood, Scott Jones, William Hollan, Paige Pruitt Birchfield, April Y Beason and Erika Mielke, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 3 September 2026
How does Arbor Investment Advisors get paid?
Arbor Investment Advisors is paid through a percentage of assets under management and fixed fees. 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
How do I contact Arbor Investment Advisors?
Arbor Investment Advisors’ main office is at 300 South Main Street, Winston Salem, NC 27101. Its phone number is 336-777-1677. Its website is arborinvest.com.