Arbor Investment Advisors 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M Company	COM	88579Y101	555	3,199	SH		SOLE		0	0	3,199
Allstate Corporation	COM	020002101	360	3,541	SH		SOLE		0	0	3,541
Alphabet Inc. Cl A	COM	02079K305	321	296	SH		SOLE		0	0	296
Alphabet Inc. Cl C	COM	02079K107	349	323	SH		SOLE		0	0	323
Apple Inc.	COM	037833100	2,334	11,793	SH		SOLE		0	0	11,793
AT&T Inc.	COM	00206R102	379	11,312	SH		SOLE		0	0	11,312
BancorpSouth, Inc.	COM	05971J102	1,644	56,597	SH		SOLE		0	0	56,597
Bank of America Corp.	COM	060505104	544	18,751	SH		SOLE		0	0	18,751
BB&T Corporation	COM	054937107	3,853	78,427	SH		SOLE		0	0	78,427
Berkshire Hathaway Inc.	COM	084670702	217	1,016	SH		SOLE		0	0	1,016
Boeing Co.	COM	097023105	455	1,250	SH		SOLE		0	0	1,250
British American Tobacco PLC	ADR	110448107	320	9,165	SH		SOLE		0	0	9,165
Cisco Systems Inc.	COM	17275R102	460	8,411	SH		SOLE		0	0	8,411
Coca-Cola Co.	COM	191216100	782	15,357	SH		SOLE		0	0	15,357
Duke Energy Corp.	COM	26441C204	978	11,084	SH		SOLE		0	0	11,084
Eli Lilly & Co.	COM	532457108	211	1,908	SH		SOLE		0	0	1,908
Enbridge Inc.	COM	29250N105	349	9,671	SH		SOLE		0	0	9,671
Exxon Mobil Corp.	COM	30231G102	310	4,050	SH		SOLE		0	0	4,050
Facebook Inc.	COM	30303M102	777	4,028	SH		SOLE		0	0	4,028
Halozyme Therapeutics, Inc.	COM	40637H109	308	17,950	SH		SOLE		0	0	17,950
Home Depot Inc.	COM	437076102	445	2,137	SH		SOLE		0	0	2,137
IBM Corp.	COM	459200101	297	2,153	SH		SOLE		0	0	2,153
Intel Corp.	COM	458140100	589	12,311	SH		SOLE		0	0	12,311
Invesco FTSE RAFI US 1000 ETF	COM	46137V613	49,860	427,466	SH		SOLE		0	0	427,466
Invesco FTSE RAFI US 1500 Small-Mid ETF	COM	46137V597	4,408	34,524	SH		SOLE		0	0	34,524
iShares 0-5 Year TIPS Bond ETF	COM	46429B747	1,362	13,538	SH		SOLE		0	0	13,538
iShares China Large-Cap ETF	COM	464287184	384	8,971	SH		SOLE		0	0	8,971
iShares Cohen & Steers REIT ETF	COM	464287564	577	5,119	SH		SOLE		0	0	5,119
iShares Core Growth Allocation ETF	COM	464289867	367	7,964	SH		SOLE		0	0	7,964
iShares Core MSCI EAFE ETF	COM	46432F842	251	4,084	SH		SOLE		0	0	4,084
iShares Core S&P 500 ETF	COM	464287200	788	2,674	SH		SOLE		0	0	2,674
iShares Core U.S. Aggregate Bond ETF	COM	464287226	427	3,835	SH		SOLE		0	0	3,835
iShares ESG MSCI EM ETF	COM	46434G863	244	7,164	SH		SOLE		0	0	7,164
iShares Global Clean Energy ETF	COM	464288224	167	15,660	SH		SOLE		0	0	15,660
iShares Gold Trust ETF	COM	464285105	212	15,737	SH		SOLE		0	0	15,737
iShares MSCI EAFE ETF	COM	464287465	27,399	416,844	SH		SOLE		0	0	416,844
iShares MSCI Emerging Markets ETF	COM	464287234	12,775	297,710	SH		SOLE		0	0	297,710
iShares MSCI KLD 400 Social ETF	COM	464288570	735	6,724	SH		SOLE		0	0	6,724
iShares Russell 1000 ETF	COM	464287622	38,173	234,494	SH		SOLE		0	0	234,494
iShares Russell 1000 Growth ETF	COM	464287614	4,799	30,503	SH		SOLE		0	0	30,503
iShares Russell 1000 Value ETF	COM	464287598	4,185	32,898	SH		SOLE		0	0	32,898
iShares Russell 2000 ETF	COM	464287655	7,522	48,375	SH		SOLE		0	0	48,375
iShares Russell 2000 Growth ETF	COM	464287648	201	1,002	SH		SOLE		0	0	1,002
iShares Russell Mid-Cap ETF	COM	464287499	288	5,150	SH		SOLE		0	0	5,150
iShares S&P 500 Growth ETF	COM	464287309	601	3,353	SH		SOLE		0	0	3,353
iShares Select Dividend ETF	COM	464287168	356	3,572	SH		SOLE		0	0	3,572
iShares Treasury Floating Rate Bond ETF	COM	46434V860	36,181	719,166	SH		SOLE		0	0	719,166
iShares U.S. Financial Services ETF	COM	464287770	228	1,700	SH		SOLE		0	0	1,700
Johnson & Johnson Inc.	COM	478160104	654	4,695	SH		SOLE		0	0	4,695
JPMorgan Chase & Co.	COM	46625H100	456	4,077	SH		SOLE		0	0	4,077
Lowes Companies, Inc.	COM	548661107	2,899	28,729	SH		SOLE		0	0	28,729
Merck & Co. Inc.	COM	58933Y105	235	2,807	SH		SOLE		0	0	2,807
Microsoft Corp.	COM	594918104	1,296	9,678	SH		SOLE		0	0	9,678
ONE Gas, Inc.	COM	68235P108	226	2,500	SH		SOLE		0	0	2,500
ONEOK Inc.	COM	682680103	688	10,000	SH		SOLE		0	0	10,000
Park National Corp.	COM	700658107	407	4,092	SH		SOLE		0	0	4,092
PepsiCo Inc.	COM	713448108	633	4,827	SH		SOLE		0	0	4,827
PIMCO 1-5 Year U.S. TIPS Index ETF	COM	72201R205	1,917	36,425	SH		SOLE		0	0	36,425
PIMCO Enhanced Short Maturity Active ETF	COM	72201R833	1,335	13,122	SH		SOLE		0	0	13,122
Public Service Enterprise Group Inc.	COM	744573106	353	6,000	SH		SOLE		0	0	6,000
Sonoco Products Co.	COM	835495102	486	7,445	SH		SOLE		0	0	7,445
South State Corporation	COM	840441109	415	5,630	SH		SOLE		0	0	5,630
SPDR S&P 500 ETF	COM	78462F103	212	722	SH		SOLE		0	0	722
Total System Services Inc.	COM	891906109	379	2,955	SH		SOLE		0	0	2,955
TowneBank	COM	89214P109	517	18,956	SH		SOLE		0	0	18,956
Vanguard FTSE Developed Markets ETF	COM	921943858	35,868	859,930	SH		SOLE		0	0	859,930
Vanguard FTSE Emerging Markets ETF	COM	922042858	19,105	449,203	SH		SOLE		0	0	449,203
Vanguard Russell 2000 ETF	COM	92206C664	339	2,711	SH		SOLE		0	0	2,711
Vanguard Short-Term Bond ETF	COM	921937827	13,989	173,713	SH		SOLE		0	0	173,713
Vanguard Total Bond Market ETF	COM	921937835	1,548	18,631	SH		SOLE		0	0	18,631
Vanguard Total Stock Market ETF	COM	922908769	2,018	13,447	SH		SOLE		0	0	13,447
Vanguard Total World Stock Index ETF	COM	922042742	20,974	279,056	SH		SOLE		0	0	279,056
Wal-Mart Stores, Inc.	COM	931142103	436	3,950	SH		SOLE		0	0	3,950
Wells Fargo & Co.	COM	949746101	699	14,767	SH		SOLE		0	0	14,767
Williams Companies, Inc.	COM	969457100	280	10,001	SH		SOLE		0	0	10,001
Worthington Industries	COM	981811102	1,532	38,042	SH		SOLE		0	0	38,042
YUM Brands Inc.	COM	988498101	292	2,636	SH		SOLE		0	0	2,636