{"url":"https://nivawealth.com/firms/arborfi-advisors-305009","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/305009","regulatoryAum":148397411,"crd":"305009","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6464996","suffix":null,"lastName":"COSTIGAN","firstName":"THOMAS","middleName":"JEROME"},{"crd":"2592525","suffix":null,"lastName":"SLOCUM","firstName":"PATRICIA","middleName":"KATHLEEN"}],"total":2,"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":"2025-01-29","regulatoryAum":114205136,"clients":89,"employees":2,"offices":1},{"filedOn":"2026-02-16","regulatoryAum":148397411,"clients":101,"employees":2,"offices":1}],"secFileNumber":"801-132056","legalName":"Arborfi Advisors, LLC","displayName":"ArborFi Advisors","slug":"arborfi-advisors-305009","website":"https://arborfi.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/arborfi-advisors-llc","founded":null,"organization":"Delaware limited liability company","fiscalYearEnd":"December","headquarters":{"street":"2395 S Huron Pkwy, Suite 101","city":"Ann Arbor","state":"MI","stateName":"Michigan","country":"United States","postalCode":"48104"},"tradeNames":[],"registration":{"secApproved":"28 February 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1447531.4257425743,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":148397411,"discretionary":148397411,"discretionaryAccounts":362,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":7},"clientTypes":[{"label":"Individuals (other than HNW)","clients":56,"regulatoryAum":25093353},{"label":"High-net-worth individuals","clients":45,"regulatoryAum":121107321},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":1338445},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":858292}],"feePrograms":[{"role":"main","program":"Comprehensive Portfolio Management and Financial Planning","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1,"from":0},{"to":5000000,"pct":0.75,"from":1000000},{"to":null,"pct":0.5,"from":5000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009237","versionId":1009237,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-16","documentName":"FORM ADV PART 2A - 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They include 56 individual clients and 45 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 16 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does ArborFi Advisors offer?","answer":"ArborFi Advisors provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does ArborFi Advisors charge?","answer":"ArborFi Advisors charges 0.50%–1.00% a year for its Comprehensive Portfolio Management and Financial Planning. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $10,000 annual minimum.","source":"FORM ADV PART 2A - FIRM BROCHURE, filed 16 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does ArborFi Advisors use?","answer":"ArborFi Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $147M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 16 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does ArborFi Advisors have?","answer":"ArborFi Advisors has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 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 ArborFi Advisors invest in?","answer":"At the end of its last fiscal year, ArborFi Advisors’ separately managed accounts held 94% registered funds (mutual funds, ETFs, BDCs), 2% exchange-traded equities, 2% U.S. government and agency bonds, 1% investment grade corporate bonds and 1% 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 ArborFi Advisors?","answer":"ArborFi Advisors’ direct owners are Patricia Slocum (50% to 75%) and Thomas Costigan (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 16 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does ArborFi Advisors get paid?","answer":"ArborFi Advisors is paid through a percentage of assets under management. 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 ArborFi Advisors?","answer":"ArborFi Advisors’ main office is at 2395 S Huron Pkwy, Suite 101, Ann Arbor, MI 48104. Its phone number is 734-345-6980. 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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."}