Arbor Trust Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, education planning, estate planning, insurance, and philanthropic planning. Financial planning was provided to 101–250 clients last fiscal year.
Arbor Trust Wealth Advisors reports 441 clients. They include 260 individual clients and 181 high-net-worth individuals. Of its assets, 98.7% ($603M across 1,290 accounts) are managed with discretion; $8.2M across 5 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 59% | 15% |
| High-net-worth individuals | 41% | 80% |
| Pension and profit-sharing plans | Fewer than 5 | 1% |
| Charitable organizations | Fewer than 5 | 4% |
| State or municipal government entities | 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) | 260 | $88.9M | 14.5% | $342K |
| High-net-worth individuals | 181 | $486M | 79.5% | $2.69M |
| Pension and profit-sharing plans | Fewer than 5 | $8.2M | 1.3% | — |
| Charitable organizations | Fewer than 5 | $26.6M | 4.4% | — |
| State or municipal government entities | Fewer than 5 | $1.59M | 0.3% | — |
| Total | 441 | $611M | 100% | — |
- Clients
- 260
- Regulatory AUM
- $88.9M
- AUM share
- 14.5%
- Avg. per client
- $342K
- Clients
- 181
- Regulatory AUM
- $486M
- AUM share
- 79.5%
- Avg. per client
- $2.69M
- Clients
- Fewer than 5
- Regulatory AUM
- $8.2M
- AUM share
- 1.3%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $26.6M
- AUM share
- 4.4%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $1.59M
- AUM share
- 0.3%
- Avg. per client
- —
Total
- Clients
- 441
- Regulatory AUM
- $611M
- 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
- 101–250
Arbor Trust Wealth Advisors charges 0.80%–1.75% a year for its Investment management services. The fee is billed in advance, is negotiable and has a $5,000 annual minimum. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Estate settlement services
- Estate settlement is 1.2% of date-of-death assets held at the custodian and 1.5% of other assets, with a $10,000 minimum, plus 0.3% quarterly after 12 months.
- Financial planning and consulting
- Stand-alone financial planning and consulting are billed hourly at $200 to $400, or as a fixed fee of $2,500 to $5,000.
- Trust fiduciary administrative services
- Trust administration adds 0.25% a year to the management fee, plus $300 a year per parcel of real estate and $200 an hour for extraordinary services.
Carol Sewell owns 25% to 50% of Arbor Trust Wealth Advisors. The leadership team of Arbor Trust Wealth Advisors includes Chief Investment Officer Sonia Patel and Chief Compliance Officer Laura Yarckow. It has 13 employees, 3 of them in advisory roles.
Staff
- 13 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 25% to 50% of Arbor Trust Wealth Advisors, LLC
Carol Sewell
Control person · since August 2014
- Owns 25% to 50% of Arbor Trust Wealth Advisors, LLC
James Winslow
Control person · since August 2014
- Owns 25% to 50% of Arbor Trust Wealth Advisors, LLC
Sonia Patel
Control person · since May 2023
Arbor Trust Wealth Advisors’ regulatory assets grew from $418M (June 2021) to $611M (June 2026); clients were 441 in both filings and employees rose from 10 to 13.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jun 2026June 2026 | $611M | 441 | 13 | 1 |
| May 2025May 2025 | $612M | 545 | 15 | 1 |
| Mar 2024March 2024 | $528M | 506 | 13 | 1 |
| Feb 2023February 2023 | $451M | 478 | 10 | 1 |
| Feb 2022February 2022 | $487M | 498 | 11 | 1 |
| Jun 2021June 2021 | $418M | 460 | 10 | 1 |
Besides its headquarters, Arbor Trust Wealth Advisors has 0 offices, with 1 listed address in 1 state.
Michigan · 1 listed address
- 825 Victors Way, Suite 150, Ann ArborHQ
Contact and registration details
- Legal name
- Arbor Trust Wealth Advisors, LLC
- Headquarters
- 825 Victors Way, Suite 150, Ann Arbor, MI 48108
- Website
- arbortrust.com
- Phone
- 734-389-7794
- @arbor-trust-wealth-advisors
- SEC file
- 801-78929
- Founded
- 2014
- Structure
- Delaware LLC
- Fiscal year end
- December
Arbor Trust Wealth Advisors’ named custodian for separately managed accounts is Charles Schwab ($560M). Arbor Trust Wealth Advisors has custody of $468M for 274 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $560M100%
At year end, Arbor Trust Wealth Advisors’ separately managed accounts were mostly in funds (51%) and stocks (40%). Its reported 13F holdings for the quarter ended 30 June 2026 total $248M across 96 positions; the largest are Schwab Strategic TR (7.8%), Schwab Strategic TR (4.4%) and Abbvie Inc. (4.3%).
What the accounts hold
- Stocks40%
- Funds51%
- Bonds6%
- State and local bonds5%
- U.S. government and agency bonds1%
- Cash3%
How many clients does Arbor Trust Wealth Advisors have?
Arbor Trust Wealth Advisors has 441 clients and manages $611 million for them, as of June 2026. They include 260 individual clients and 181 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 26 June 2026
What services does Arbor Trust Wealth Advisors offer?
Arbor Trust Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, education planning, estate planning, insurance, and philanthropic 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 Trust Wealth Advisors charge?
Arbor Trust Wealth Advisors charges 0.80%–1.75% a year for its Investment management services. The fee is billed in advance, is negotiable and has a $5,000 annual minimum.
Source: ARBOR TRUST DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS, filed 26 June 2026
Which custodians does Arbor Trust Wealth Advisors use?
Arbor Trust Wealth Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $560M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 26 June 2026
How many financial advisors does Arbor Trust Wealth Advisors have?
Arbor Trust Wealth Advisors has 3 investment adviser representatives registered with state securities authorities, out of 13 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
What does Arbor Trust Wealth Advisors invest in?
At the end of its last fiscal year, Arbor Trust Wealth Advisors’ separately managed accounts held 51% registered funds (mutual funds, ETFs, BDCs), 40% exchange-traded equities, 5% state and local bonds, 3% cash and equivalents and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Arbor Trust Wealth Advisors?
Arbor Trust Wealth Advisors’ direct owners are Carol Sewell, James Winslow and Sonia Patel, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 26 June 2026
How does Arbor Trust Wealth Advisors get paid?
Arbor Trust Wealth Advisors is paid through a percentage of assets under management, hourly charges 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 Trust Wealth Advisors?
Arbor Trust Wealth Advisors’ main office is at 825 Victors Way, Suite 150, Ann Arbor, MI 48108. Its phone number is 734-389-7794. Its website is arbortrust.com.