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
ALLSTATE CORP	COM	020002101	512	5,438	SH		SOLE		0	0	5,438
APPLE INC	COM	037833100	6,615	57,116	SH		SOLE		0	0	57,116
BK OF AMERICA CORP	COM	060505104	457	18,990	SH		SOLE		0	0	18,990
BERKSHIRE HATHAWAY INC DEL CL B NEW	COM	084670702	1,059	4,971	SH		SOLE		0	0	4,971
BRITISH AMERN TOB PLC	ADR	110448107	210	5,816	SH		SOLE		0	0	5,816
COCA COLA CO	COM	191216100	662	13,408	SH		SOLE		0	0	13,408
HOME DEPOT INC	COM	437076102	589	2,122	SH		SOLE		0	0	2,122
INTEL CORP	COM	458140100	637	12,311	SH		SOLE		0	0	12,311
INTERNATIONAL BUSINESS MACHS	COM	459200101	403	3,309	SH		SOLE		0	0	3,309
ISHARES GOLD TRUST	COM	464285105	283	15,737	SH		SOLE		0	0	15,737
ISHARES TR SELECT DIVID ETF	COM	464287168	270	3,307	SH		SOLE		0	0	3,307
ISHARES TR CORE S&P500 ETF	COM	464287200	932	2,774	SH		SOLE		0	0	2,774
ISHARES TR CORE US AGGBD ET	COM	464287226	1,277	10,816	SH		SOLE		0	0	10,816
ISHARES TR MSCI EMG MKT ETF	COM	464287234	12,354	280,210	SH		SOLE		0	0	280,210
ISHARES TR S&P 500 GRWT ETF	COM	464287309	625	2,703	SH		SOLE		0	0	2,703
ISHARES TR MSCI EAFE ETF	COM	464287465	33,882	532,324	SH		SOLE		0	0	532,324
ISHARES TR RUS MDCP VAL ETF	COM	464287473	219	2,710	SH		SOLE		0	0	2,710
ISHARES TR RUS MID CAP ETF	COM	464287499	235	4,102	SH		SOLE		0	0	4,102
ISHARES TR COHEN STEER REIT	COM	464287564	273	2,681	SH		SOLE		0	0	2,681
ISHARES TR RUS 1000 VAL ETF	COM	464287598	4,238	35,875	SH		SOLE		0	0	35,875
ISHARES TR RUS 1000 GRW ETF	COM	464287614	6,752	31,130	SH		SOLE		0	0	31,130
ISHARES TR RUS 1000 ETF	COM	464287622	67,294	359,573	SH		SOLE		0	0	359,573
ISHARES TR RUS 2000 GRW ETF	COM	464287648	300	1,353	SH		SOLE		0	0	1,353
ISHARES TR RUSSELL 2000 ETF	COM	464287655	7,887	52,654	SH		SOLE		0	0	52,654
ISHARES TR U.S. FIN SVC ETF	COM	464287770	207	1,700	SH		SOLE		0	0	1,700
ISHARES TR NATIONAL MUN ETF	COM	464288414	267	2,307	SH		SOLE		0	0	2,307
ISHARES TR MSCI KLD400 SOC	COM	464288570	1,128	8,815	SH		SOLE		0	0	8,815
ISHARES TR GRWT ALLOCAT ETF	COM	464289867	421	8,698	SH		SOLE		0	0	8,698
JOHNSON & JOHNSON	COM	478160104	706	4,744	SH		SOLE		0	0	4,744
LILLY ELI & CO	COM	532457108	274	1,850	SH		SOLE		0	0	1,850
LOCKHEED MARTIN CORP	COM	539830109	1,070	2,792	SH		SOLE		0	0	2,792
LOWES COS INC	COM	548661107	4,436	26,745	SH		SOLE		0	0	26,745
MCDONALDS CORP	COM	580135101	1,085	4,944	SH		SOLE		0	0	4,944
MICROSOFT CORP	COM	594918104	2,307	10,969	SH		SOLE		0	0	10,969
MORGAN STANLEY	COM	617446448	248	5,127	SH		SOLE		0	0	5,127
ONEOK INC NEW	COM	682680103	260	10,000	SH		SOLE		0	0	10,000
PARK NATL CORP	COM	700658107	335	4,092	SH		SOLE		0	0	4,092
PEPSICO INC	COM	713448108	672	4,845	SH		SOLE		0	0	4,845
PROCTER AND GAMBLE CO	COM	742718109	818	5,883	SH		SOLE		0	0	5,883
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	329	6,000	SH		SOLE		0	0	6,000
SONOCO PRODS CO	COM	835495102	363	7,102	SH		SOLE		0	0	7,102
SOUTH ST CORP	COM	840441109	271	5,630	SH		SOLE		0	0	5,630
UNION PAC CORP	COM	907818108	204	1,038	SH		SOLE		0	0	1,038
VANGUARD BD INDEX FDS SHORT TRM BOND	COM	921937827	9,458	113,882	SH		SOLE		0	0	113,882
VANGUARD BD INDEX FDS TOTAL BND MRKT	COM	921937835	1,508	17,091	SH		SOLE		0	0	17,091
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF	COM	921943858	41,741	1,020,571	SH		SOLE		0	0	1,020,571
VANGUARD MALVERN FDS STRM INFPROIDX	COM	922020805	501	9,829	SH		SOLE		0	0	9,829
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF	COM	922042742	4,923	61,052	SH		SOLE		0	0	61,052
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF	COM	922042858	19,799	457,893	SH		SOLE		0	0	457,893
VANGUARD INDEX FDS TOTAL STK MKT	COM	922908769	2,537	14,897	SH		SOLE		0	0	14,897
WALMART INC	COM	931142103	553	3,950	SH		SOLE		0	0	3,950
WELLS FARGO CO NEW	COM	949746101	308	13,112	SH		SOLE		0	0	13,112
WILLIAMS COS INC	COM	969457100	197	10,001	SH		SOLE		0	0	10,001
WORTHINGTON INDS INC	COM	981811102	1,551	38,042	SH		SOLE		0	0	38,042
YUM BRANDS INC	COM	988498101	241	2,641	SH		SOLE		0	0	2,641
TARGET CORP	COM	87612E106	335	2,130	SH		SOLE		0	0	2,130
AT&T INC	COM	00206R102	309	10,854	SH		SOLE		0	0	10,854
ALPHABET INC CAP STK CL C	COM	02079K107	551	375	SH		SOLE		0	0	375
ALPHABET INC CAP STK CL A	COM	02079K305	460	314	SH		SOLE		0	0	314
BANCORPSOUTH BK TUPELO MISS	COM	05971J102	1,097	56,597	SH		SOLE		0	0	56,597
CISCO SYS INC	COM	17275R102	377	9,564	SH		SOLE		0	0	9,564
COSTCO WHSL CORP NEW	COM	22160K105	206	579	SH		SOLE		0	0	579
DUKE ENERGY CORP NEW	COM	26441C204	939	10,607	SH		SOLE		0	0	10,607
ENBRIDGE INC	COM	29250N105	223	7,652	SH		SOLE		0	0	7,652
EXXON MOBIL CORP	COM	30231G102	317	9,224	SH		SOLE		0	0	9,224
FACEBOOK INC	COM	30303M102	1,055	4,028	SH		SOLE		0	0	4,028
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN	COM	33733E500	212	4,789	SH		SOLE		0	0	4,789
GLOBAL PMTS INC	COM	37940X102	416	2,345	SH		SOLE		0	0	2,345
HALOZYME THERAPEUTICS INC	COM	40637H109	472	17,950	SH		SOLE		0	0	17,950
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500	COM	46137V597	15,334	130,957	SH		SOLE		0	0	130,957
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000	COM	46137V613	44,517	391,218	SH		SOLE		0	0	391,218
ISHARES TR 0-5 YR TIPS ETF	COM	46429B747	22,645	217,617	SH		SOLE		0	0	217,617
ISHARES TR CORE MSCI EAFE	COM	46432F842	2,149	35,657	SH		SOLE		0	0	35,657
ISHARES INC ESG AWR MSCI EM	COM	46434G863	211	5,917	SH		SOLE		0	0	5,917
ISHARES TR TRS FLT RT BD	COM	46434V860	19,101	379,813	SH		SOLE		0	0	379,813
JPMORGAN CHASE & CO	COM	46625H100	444	4,611	SH		SOLE		0	0	4,611
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC	COM	46641Q837	5,198	102,330	SH		SOLE		0	0	102,330
MERCK & CO. INC	COM	58933Y105	244	2,943	SH		SOLE		0	0	2,943
PIMCO ETF TR 1-5 US TIP IDX	COM	72201R205	606	11,242	SH		SOLE		0	0	11,242
PIMCO ETF TR ENHAN SHRT MA AC	COM	72201R833	10,503	103,009	SH		SOLE		0	0	103,009
SPDR S&P 500 ETF TR TR UNIT	COM	78462F103	325	971	SH		SOLE		0	0	971
SALESFORCE COM INC	COM	79466L302	251	1,000	SH		SOLE		0	0	1,000
3M CO	COM	88579Y101	1,071	6,685	SH		SOLE		0	0	6,685
TOWNEBANK PORTSMOUTH VA	COM	89214P109	292	17,821	SH		SOLE		0	0	17,821
TRUIST FINL CORP	COM	89832Q109	2,919	76,711	SH		SOLE		0	0	76,711
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX	COM	92206C599	474	3,112	SH		SOLE		0	0	3,112
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX	COM	92206C664	430	3,554	SH		SOLE		0	0	3,554
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX	COM	92206C730	2,586	16,708	SH		SOLE		0	0	16,708