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
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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	1,288	6,685	SH		SOLE		0	0	6,685
Accenture plc	COM	G1151C101	218	789	SH		SOLE		0	0	789
Allstate Corporation	COM	020002101	597	5,200	SH		SOLE		0	0	5,200
Alphabet Inc. Cl A	COM	02079K305	648	314	SH		SOLE		0	0	314
Alphabet Inc. Cl C	COM	02079K107	782	378	SH		SOLE		0	0	378
Apple Inc.	COM	037833100	6,983	57,167	SH		SOLE		0	0	57,167
AT&T Inc.	COM	00206R102	248	8,203	SH		SOLE		0	0	8,203
BancorpSouth, Inc.	COM	05971J102	1,952	60,097	SH		SOLE		0	0	60,097
Bank of America Corp.	COM	060505104	747	19,301	SH		SOLE		0	0	19,301
Berkshire Hathaway Inc.	COM	084670702	1,470	5,755	SH		SOLE		0	0	5,755
Cisco Systems Inc.	COM	17275R102	508	9,821	SH		SOLE		0	0	9,821
Coca-Cola Co.	COM	191216100	659	12,499	SH		SOLE		0	0	12,499
Costco Wholesale Corp.	COM	22160K105	207	588	SH		SOLE		0	0	588
Discover Financial Services	COM	254709108	291	3,064	SH		SOLE		0	0	3,064
Dominion Energy, Inc.	COM	25746U109	365	4,803	SH		SOLE		0	0	4,803
Duke Energy Corp.	COM	26441C204	1,022	10,591	SH		SOLE		0	0	10,591
Enbridge Inc.	COM	29250N105	280	7,698	SH		SOLE		0	0	7,698
Exxon Mobil Corp.	COM	30231G102	541	9,693	SH		SOLE		0	0	9,693
F5 Networks, Inc.	COM	315616102	209	1,000	SH		SOLE		0	0	1,000
Facebook Inc.	COM	30303M102	1,186	4,028	SH		SOLE		0	0	4,028
First Trust NASDAQ Clean Edge Green Energy Id	COM	33733E500	297	4,335	SH		SOLE		0	0	4,335
Global Payments Inc.	COM	37940X102	473	2,345	SH		SOLE		0	0	2,345
Halozyme Therapeutics, Inc.	COM	40637H109	748	17,950	SH		SOLE		0	0	17,950
Home Depot Inc.	COM	437076102	648	2,122	SH		SOLE		0	0	2,122
IBM Corp.	COM	459200101	441	3,309	SH		SOLE		0	0	3,309
Intel Corp.	COM	458140100	780	12,195	SH		SOLE		0	0	12,195
Invesco FTSE RAFI US 1000 ETF	COM	46137V613	62,458	411,801	SH		SOLE		0	0	411,801
Invesco FTSE RAFI US 1500 Small-Mid ETF	COM	46137V597	22,166	125,703	SH		SOLE		0	0	125,703
Invesco S&P 500 Equal Weight Technology ETF	COM	46137V282	235	871	SH		SOLE		0	0	871
iShares 0-5 Year TIPS Bond ETF	COM	46429B747	24,274	229,606	SH		SOLE		0	0	229,606
iShares Cohen & Steers REIT ETF	COM	464287564	323	5,592	SH		SOLE		0	0	5,592
iShares Core Growth Allocation ETF	COM	464289867	467	8,725	SH		SOLE		0	0	8,725
iShares Core MSCI EAFE ETF	COM	46432F842	3,305	45,873	SH		SOLE		0	0	45,873
iShares Core MSCI Emerging Markets ETF	COM	46434G103	218	3,392	SH		SOLE		0	0	3,392
iShares Core S&P 500 ETF	COM	464287200	1,182	2,970	SH		SOLE		0	0	2,970
iShares Core U.S. Aggregate Bond ETF	COM	464287226	1,404	12,336	SH		SOLE		0	0	12,336
iShares ESG MSCI EAFE ETF	COM	46435G516	284	3,748	SH		SOLE		0	0	3,748
iShares ESG MSCI EM ETF	COM	46434G863	217	5,013	SH		SOLE		0	0	5,013
iShares Gold Trust ETF	COM	464285105	229	14,054	SH		SOLE		0	0	14,054
iShares MSCI EAFE ETF	COM	464287465	38,589	508,623	SH		SOLE		0	0	508,623
iShares MSCI Emerging Markets ETF	COM	464287234	13,220	247,835	SH		SOLE		0	0	247,835
iShares MSCI KLD 400 Social ETF	COM	464288570	1,510	19,770	SH		SOLE		0	0	19,770
iShares MSCI World ETF	COM	464286392	231	1,949	SH		SOLE		0	0	1,949
iShares National Muni Bond ETF	COM	464288414	268	2,307	SH		SOLE		0	0	2,307
iShares Russell 1000 ETF	COM	464287622	79,995	357,391	SH		SOLE		0	0	357,391
iShares Russell 1000 Growth ETF	COM	464287614	6,626	27,264	SH		SOLE		0	0	27,264
iShares Russell 1000 Value ETF	COM	464287598	4,893	32,288	SH		SOLE		0	0	32,288
iShares Russell 2000 ETF	COM	464287655	10,793	48,849	SH		SOLE		0	0	48,849
iShares Russell 2000 Growth ETF	COM	464287648	380	1,262	SH		SOLE		0	0	1,262
iShares Russell Mid-Cap ETF	COM	464287499	317	4,284	SH		SOLE		0	0	4,284
iShares Russell Mid-Cap Value ETF	COM	464287473	297	2,720	SH		SOLE		0	0	2,720
iShares S&P 500 Growth ETF	COM	464287309	704	10,812	SH		SOLE		0	0	10,812
iShares Select Dividend ETF	COM	464287168	375	3,289	SH		SOLE		0	0	3,289
iShares Treasury Floating Rate Bond ETF	COM	46434V860	1,201	23,887	SH		SOLE		0	0	23,887
iShares U.S. Financial Services ETF	COM	464287770	291	1,700	SH		SOLE		0	0	1,700
iShares U.S. Healthcare ETF	COM	464287762	219	867	SH		SOLE		0	0	867
Johnson & Johnson Inc.	COM	478160104	885	5,386	SH		SOLE		0	0	5,386
JPMorgan Chase & Co.	COM	46625H100	714	4,692	SH		SOLE		0	0	4,692
JPMorgan Ultra-Short Income ETF	COM	46641Q837	5,664	111,604	SH		SOLE		0	0	111,604
Live Oak Bancshares, Inc.	COM	53803X105	246	3,588	SH		SOLE		0	0	3,588
Lockheed Martin Corp.	COM	539830109	1,032	2,792	SH		SOLE		0	0	2,792
Lowes Companies, Inc.	COM	548661107	4,617	24,275	SH		SOLE		0	0	24,275
McDonalds Corporation	COM	580135101	1,097	4,894	SH		SOLE		0	0	4,894
Merck & Co. Inc.	COM	58933Y105	223	2,895	SH		SOLE		0	0	2,895
Microsoft Corp.	COM	594918104	2,583	10,954	SH		SOLE		0	0	10,954
Morgan Stanley	COM	617446448	512	6,599	SH		SOLE		0	0	6,599
Nike Inc.	COM	654106103	233	1,751	SH		SOLE		0	0	1,751
Norfolk Southern Corp.	COM	655844108	238	887	SH		SOLE		0	0	887
ONEOK Inc.	COM	682680103	507	10,000	SH		SOLE		0	0	10,000
Park National Corp.	COM	700658107	529	4,092	SH		SOLE		0	0	4,092
PepsiCo Inc.	COM	713448108	262	1,852	SH		SOLE		0	0	1,852
PIMCO 1-5 Year U.S. TIPS Index ETF	COM	72201R205	536	9,772	SH		SOLE		0	0	9,772
PIMCO Enhanced Short Maturity Active ETF	COM	72201R833	13,384	131,327	SH		SOLE		0	0	131,327
Procter & Gamble Co.	COM	742718109	788	5,819	SH		SOLE		0	0	5,819
Public Service Enterprise Group Inc.	COM	744573106	361	6,000	SH		SOLE		0	0	6,000
Salesforce.com, Inc.	COM	79466L302	212	1,000	SH		SOLE		0	0	1,000
Sonoco Products Co.	COM	835495102	450	7,102	SH		SOLE		0	0	7,102
South State Corporation	COM	840441109	829	10,564	SH		SOLE		0	0	10,564
SPDR S&P 500 ETF	COM	78462F103	272	687	SH		SOLE		0	0	687
SPDR S&P Homebuilders ETF	COM	78464A888	262	3,727	SH		SOLE		0	0	3,727
Target Corp.	COM	87612E106	438	2,209	SH		SOLE		0	0	2,209
TowneBank	COM	89214P109	539	17,733	SH		SOLE		0	0	17,733
Truist Financial Corp.	COM	89832Q109	4,390	75,271	SH		SOLE		0	0	75,271
Vanguard FTSE Developed Markets ETF	COM	921943858	52,913	1,077,439	SH		SOLE		0	0	1,077,439
Vanguard FTSE Emerging Markets ETF	COM	922042858	24,659	473,762	SH		SOLE		0	0	473,762
Vanguard Russell 1000 ETF	COM	92206C730	3,667	19,796	SH		SOLE		0	0	19,796
Vanguard Russell 2000 ETF	COM	92206C664	386	2,163	SH		SOLE		0	0	2,163
Vanguard Russell 3000 ETF	COM	92206C599	560	3,029	SH		SOLE		0	0	3,029
Vanguard Short-Term Bond ETF	COM	921937827	8,183	99,558	SH		SOLE		0	0	99,558
Vanguard Short-Term Inflation-Protected Sec E	COM	922020805	591	11,460	SH		SOLE		0	0	11,460
Vanguard Small-Cap Value ETF	COM	922908611	330	1,992	SH		SOLE		0	0	1,992
Vanguard Total Bond Market ETF	COM	921937835	1,816	21,434	SH		SOLE		0	0	21,434
Vanguard Total Stock Market ETF	COM	922908769	1,364	6,599	SH		SOLE		0	0	6,599
Vanguard Total World Stock Index ETF	COM	922042742	5,637	57,941	SH		SOLE		0	0	57,941
Vanguard Value ETF	COM	922908744	1,352	10,282	SH		SOLE		0	0	10,282
Wal-Mart Stores, Inc.	COM	931142103	537	3,950	SH		SOLE		0	0	3,950
Wells Fargo & Co.	COM	949746101	456	11,665	SH		SOLE		0	0	11,665
Williams Companies, Inc.	COM	969457100	237	10,001	SH		SOLE		0	0	10,001
YUM! Brands Inc.	COM	988498101	286	2,643	SH		SOLE		0	0	2,643