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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Arbor Investment Advisors offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Arbor Investment Advisors charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Arbor Investment Advisors use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Arbor Investment Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Arbor Investment Advisors invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Arbor Investment Advisors?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Arbor Investment Advisors get paid?","answer":"Arbor Investment Advisors is paid through a percentage of assets under management and fixed fees. 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