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
Invesco FTSE RAFI US 1000 ETF	COM	46137V613	54,168	427,499	SH		SOLE		0	0	427,499
iShares Russell 1000 ETF	COM	464287622	44,251	248,014	SH		SOLE		0	0	248,014
Vanguard FTSE Developed Markets ETF	COM	921943858	39,119	887,855	SH		SOLE		0	0	887,855
iShares Treasury Floating Rate Bond ETF	COM	46434V860	36,391	724,411	SH		SOLE		0	0	724,411
iShares MSCI EAFE ETF	COM	464287465	28,834	415,231	SH		SOLE		0	0	415,231
Vanguard Total World Stock Index ETF	COM	922042742	23,142	285,744	SH		SOLE		0	0	285,744
Vanguard FTSE Emerging Markets ETF	COM	922042858	20,114	452,296	SH		SOLE		0	0	452,296
Vanguard Short-Term Bond ETF	COM	921937827	15,383	190,829	SH		SOLE		0	0	190,829
iShares MSCI Emerging Markets ETF	COM	464287234	13,857	308,821	SH		SOLE		0	0	308,821
iShares Russell 2000 ETF	COM	464287655	8,383	50,599	SH		SOLE		0	0	50,599
iShares Russell 1000 Growth ETF	COM	464287614	5,474	31,118	SH		SOLE		0	0	31,118
Invesco FTSE RAFI US 1500 Small-Mid ETF	COM	46137V597	5,136	37,571	SH		SOLE		0	0	37,571
Truist Financial Corp	COM	89832Q109	4,381	77,790	SH		SOLE		0	0	77,790
iShares Russell 1000 Value ETF	COM	464287598	4,320	31,653	SH		SOLE		0	0	31,653
Apple Inc.	COM	037833100	3,698	12,592	SH		SOLE		0	0	12,592
Lowes Companies, Inc.	COM	548661107	3,414	28,509	SH		SOLE		0	0	28,509
Vanguard Total Stock Market ETF	COM	922908769	2,227	13,610	SH		SOLE		0	0	13,610
PIMCO 1-5 Year U.S. TIPS Index ETF	COM	72201R205	1,788	34,142	SH		SOLE		0	0	34,142
BancorpSouth, Inc.	COM	05971J102	1,778	56,597	SH		SOLE		0	0	56,597
Vanguard Total Bond Market ETF	COM	921937835	1,658	19,769	SH		SOLE		0	0	19,769
iShares 0-5 Year TIPS Bond ETF	COM	46429B747	1,617	16,059	SH		SOLE		0	0	16,059
Worthington Industries	COM	981811102	1,605	38,042	SH		SOLE		0	0	38,042
Microsoft Corp.	COM	594918104	1,539	9,760	SH		SOLE		0	0	9,760
PIMCO Enhanced Short Maturity Active ETF	COM	72201R833	1,346	13,254	SH		SOLE		0	0	13,254
3M Company	COM	88579Y101	1,179	6,685	SH		SOLE		0	0	6,685
Berkshire Hathaway Inc.	COM	084670702	1,144	5,050	SH		SOLE		0	0	5,050
Lockheed Martin Corp.	COM	539830109	1,100	2,825	SH		SOLE		0	0	2,825
McDonalds Corporation	COM	580135101	1,012	5,119	SH		SOLE		0	0	5,119
iShares MSCI KLD 400 Social ETF	COM	464288570	955	7,953	SH		SOLE		0	0	7,953
iShares Core S&P 500 ETF	COM	464287200	930	2,878	SH		SOLE		0	0	2,878
Duke Energy Corp.	COM	26441C204	928	10,178	SH		SOLE		0	0	10,178
Wells Fargo & Co.	COM	949746101	913	16,962	SH		SOLE		0	0	16,962
Facebook Inc.	COM	30303M102	827	4,028	SH		SOLE		0	0	4,028
Coca-Cola Co.	COM	191216100	761	13,754	SH		SOLE		0	0	13,754
ONEOK Inc.	COM	682680103	757	10,000	SH		SOLE		0	0	10,000
Intel Corp.	COM	458140100	737	12,311	SH		SOLE		0	0	12,311
Procter & Gamble Co.	COM	742718109	725	5,804	SH		SOLE		0	0	5,804
Johnson & Johnson Inc.	COM	478160104	677	4,639	SH		SOLE		0	0	4,639
Bank of America Corp.	COM	060505104	660	18,751	SH		SOLE		0	0	18,751
PepsiCo Inc.	COM	713448108	660	4,830	SH		SOLE		0	0	4,830
iShares Cohen & Steers REIT ETF	COM	464287564	659	5,633	SH		SOLE		0	0	5,633
iShares S&P 500 Growth ETF	COM	464287309	649	3,353	SH		SOLE		0	0	3,353
JPMorgan Chase & Co.	COM	46625H100	592	4,248	SH		SOLE		0	0	4,248
Exxon Mobil Corp.	COM	30231G102	579	8,299	SH		SOLE		0	0	8,299
JPMorgan Ultra-Short Income ETF	COM	46641Q837	518	10,262	SH		SOLE		0	0	10,262
Home Depot Inc.	COM	437076102	501	2,294	SH		SOLE		0	0	2,294
TowneBank	COM	89214P109	496	17,821	SH		SOLE		0	0	17,821
South State Corporation	COM	840441109	488	5,630	SH		SOLE		0	0	5,630
iShares Core Growth Allocation ETF	COM	464289867	484	10,108	SH		SOLE		0	0	10,108
Wal-Mart Stores, Inc.	COM	931142103	469	3,950	SH		SOLE		0	0	3,950
Alphabet Inc. Cl C	COM	02079K107	456	341	SH		SOLE		0	0	341
IBM Corp.	COM	459200101	444	3,309	SH		SOLE		0	0	3,309
Sonoco Products Co.	COM	835495102	438	7,102	SH		SOLE		0	0	7,102
Global Payments Inc.	COM	37940X102	437	2,392	SH		SOLE		0	0	2,392
Alphabet Inc. Cl A	COM	02079K305	421	314	SH		SOLE		0	0	314
Park National Corp.	COM	700658107	419	4,092	SH		SOLE		0	0	4,092
Boeing Co.	COM	097023105	406	1,245	SH		SOLE		0	0	1,245
AT&T Inc.	COM	00206R102	401	10,259	SH		SOLE		0	0	10,259
Cisco Systems Inc.	COM	17275R102	399	8,328	SH		SOLE		0	0	8,328
iShares Core U.S. Aggregate Bond ETF	COM	464287226	395	3,516	SH		SOLE		0	0	3,516
Allstate Corporation	COM	020002101	391	3,475	SH		SOLE		0	0	3,475
iShares China Large-Cap ETF	COM	464287184	381	8,741	SH		SOLE		0	0	8,741
British American Tobacco PLC	ADR	110448107	377	8,880	SH		SOLE		0	0	8,880
Vanguard Russell 2000 ETF	COM	92206C664	364	2,736	SH		SOLE		0	0	2,736
Public Service Enterprise Group Inc.	COM	744573106	354	6,000	SH		SOLE		0	0	6,000
iShares Select Dividend ETF	COM	464287168	352	3,332	SH		SOLE		0	0	3,332
Halozyme Therapeutics, Inc.	COM	40637H109	318	17,950	SH		SOLE		0	0	17,950
iShares ESG MSCI EM ETF	COM	46434G863	297	8,266	SH		SOLE		0	0	8,266
Enbridge Inc.	COM	29250N105	288	7,243	SH		SOLE		0	0	7,243
iShares Russell Mid-Cap ETF	COM	464287499	284	4,759	SH		SOLE		0	0	4,759
Merck & Co. Inc.	COM	58933Y105	267	2,940	SH		SOLE		0	0	2,940
iShares Core MSCI EAFE ETF	COM	46432F842	267	4,096	SH		SOLE		0	0	4,096
YUM! Brands Inc.	COM	988498101	266	2,638	SH		SOLE		0	0	2,638
iShares U.S. Financial Services ETF	COM	464287770	258	1,700	SH		SOLE		0	0	1,700
Target Corp.	COM	87612E106	256	2,000	SH		SOLE		0	0	2,000
Eli Lilly & Co.	COM	532457108	251	1,908	SH		SOLE		0	0	1,908
Williams Companies, Inc.	COM	969457100	237	10,001	SH		SOLE		0	0	10,001
ONE Gas, Inc.	COM	68235P108	234	2,500	SH		SOLE		0	0	2,500
iShares MSCI World ETF	COM	464286392	234	2,366	SH		SOLE		0	0	2,366
SPDR S&P 500 ETF	COM	78462F103	232	722	SH		SOLE		0	0	722
iShares MSCI ACWI ETF	COM	464288257	230	2,907	SH		SOLE		0	0	2,907
iShares Gold Trust ETF	COM	464285105	228	15,737	SH		SOLE		0	0	15,737
iShares Russell 2000 Growth ETF	COM	464287648	215	1,002	SH		SOLE		0	0	1,002
Phillips 66	COM	718546104	214	1,925	SH		SOLE		0	0	1,925
iShares Core Moderate Allocation ETF	COM	464289875	202	5,029	SH		SOLE		0	0	5,029
iShares Core S&P Small-Cap ETF	COM	464287804	202	2,403	SH		SOLE		0	0	2,403
iShares Global Clean Energy ETF	COM	464288224	174	14,787	SH		SOLE		0	0	14,787