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	561	3,199	SH		SOLE		0	0	3,199
Accenture plc	COM	G1151C101	252	789	SH		SOLE		0	0	789
Allstate Corporation	COM	020002101	662	5,200	SH		SOLE		0	0	5,200
Alphabet Inc. Cl A	COM	02079K305	791	296	SH		SOLE		0	0	296
Alphabet Inc. Cl C	COM	02079K107	1,048	393	SH		SOLE		0	0	393
Apple Inc.	COM	037833100	7,974	56,354	SH		SOLE		0	0	56,354
AT&T Inc.	COM	00206R102	222	8,203	SH		SOLE		0	0	8,203
Banco Santander, S.A.	ADR	05964H105	84	23,117	SH		SOLE		0	0	23,117
BancorpSouth, Inc.	COM	05971J102	1,843	61,891	SH		SOLE		0	0	61,891
Bank of America Corp.	COM	060505104	820	19,313	SH		SOLE		0	0	19,313
Berkshire Hathaway Inc.	COM	084670702	561	2,055	SH		SOLE		0	0	2,055
Cisco Systems Inc.	COM	17275R102	538	9,893	SH		SOLE		0	0	9,893
Coca-Cola Co.	COM	191216100	648	12,351	SH		SOLE		0	0	12,351
Costco Wholesale Corp.	COM	22160K105	265	589	SH		SOLE		0	0	589
Danaher Corp.	COM	235851102	240	789	SH		SOLE		0	0	789
Dimensional U.S. Core Equity 2 ETF	COM	25434V708	362	13,630	SH		SOLE		0	0	13,630
Discover Financial Services	COM	254709108	372	3,029	SH		SOLE		0	0	3,029
Dominion Energy, Inc.	COM	25746U109	372	5,093	SH		SOLE		0	0	5,093
Duke Energy Corp.	COM	26441C204	1,035	10,605	SH		SOLE		0	0	10,605
Enbridge Inc.	COM	29250N105	308	7,741	SH		SOLE		0	0	7,741
Exxon Mobil Corp.	COM	30231G102	383	6,512	SH		SOLE		0	0	6,512
Facebook Inc.	COM	30303M102	1,383	4,075	SH		SOLE		0	0	4,075
First Trust NASDAQ Clean Edge Green Energy Idx EFT	COM	33733E500	271	4,335	SH		SOLE		0	0	4,335
Global Payments Inc.	COM	37940X102	370	2,346	SH		SOLE		0	0	2,346
Halozyme Therapeutics, Inc.	COM	40637H109	730	17,950	SH		SOLE		0	0	17,950
Home Depot Inc.	COM	437076102	704	2,144	SH		SOLE		0	0	2,144
IBM Corp.	COM	459200101	460	3,309	SH		SOLE		0	0	3,309
Intel Corp.	COM	458140100	669	12,557	SH		SOLE		0	0	12,557
Invesco FTSE RAFI US 1000 ETF	COM	46137V613	64,350	406,351	SH		SOLE		0	0	406,351
Invesco FTSE RAFI US 1500 Small-Mid ETF	COM	46137V597	24,289	133,100	SH		SOLE		0	0	133,100
Invesco S&P 500 Equal Weight Technology ETF	COM	46137V282	255	885	SH		SOLE		0	0	885
iShares 0-5 Year TIPS Bond ETF	COM	46429B747	28,526	270,054	SH		SOLE		0	0	270,054
iShares Cohen & Steers REIT ETF	COM	464287564	309	4,717	SH		SOLE		0	0	4,717
iShares Core Growth Allocation ETF	COM	464289867	493	8,893	SH		SOLE		0	0	8,893
iShares Core MSCI EAFE ETF	COM	46432F842	5,624	75,742	SH		SOLE		0	0	75,742
iShares Core MSCI Emerging Markets ETF	COM	46434G103	979	15,858	SH		SOLE		0	0	15,858
iShares Core S&P 500 ETF	COM	464287200	1,190	2,761	SH		SOLE		0	0	2,761
iShares Core U.S. Aggregate Bond ETF	COM	464287226	5,704	49,673	SH		SOLE		0	0	49,673
iShares ESG MSCI EAFE ETF	COM	46435G516	323	4,124	SH		SOLE		0	0	4,124
iShares ESG MSCI EM ETF	COM	46434G863	363	8,772	SH		SOLE		0	0	8,772
iShares Gold Trust ETF	COM	464285204	262	7,847	SH		SOLE		0	0	7,847
iShares MSCI EAFE ETF	COM	464287465	35,323	452,801	SH		SOLE		0	0	452,801
iShares MSCI Emerging Markets ETF	COM	464287234	11,245	223,208	SH		SOLE		0	0	223,208
iShares MSCI KLD 400 Social ETF	COM	464288570	1,557	18,710	SH		SOLE		0	0	18,710
iShares MSCI World ETF	COM	464286392	248	1,965	SH		SOLE		0	0	1,965
iShares Russell 1000 ETF	COM	464287622	88,725	367,072	SH		SOLE		0	0	367,072
iShares Russell 1000 Growth ETF	COM	464287614	7,335	26,768	SH		SOLE		0	0	26,768
iShares Russell 1000 Value ETF	COM	464287598	5,755	36,771	SH		SOLE		0	0	36,771
iShares Russell 2000 ETF	COM	464287655	10,193	46,595	SH		SOLE		0	0	46,595
iShares Russell 2000 Growth ETF	COM	464287648	346	1,177	SH		SOLE		0	0	1,177
iShares Russell 3000 ETF	COM	464287689	207	811	SH		SOLE		0	0	811
iShares Russell Mid-Cap ETF	COM	464287499	320	4,095	SH		SOLE		0	0	4,095
iShares Russell Mid-Cap Value ETF	COM	464287473	282	2,492	SH		SOLE		0	0	2,492
iShares S&P 500 Growth ETF	COM	464287309	799	10,812	SH		SOLE		0	0	10,812
iShares Select Dividend ETF	COM	464287168	367	3,203	SH		SOLE		0	0	3,203
iShares TIPS Bond ETF	COM	464287176	1,587	12,428	SH		SOLE		0	0	12,428
iShares Treasury Floating Rate Bond ETF	COM	46434V860	864	17,194	SH		SOLE		0	0	17,194
iShares U.S. Financial Services ETF	COM	464287770	320	1,700	SH		SOLE		0	0	1,700
iShares U.S. Healthcare ETF	COM	464287762	251	909	SH		SOLE		0	0	909
Johnson & Johnson Inc.	COM	478160104	832	5,149	SH		SOLE		0	0	5,149
JPMorgan Chase & Co.	COM	46625H100	772	4,717	SH		SOLE		0	0	4,717
JPMorgan Ultra-Short Income ETF	COM	46641Q837	14,595	287,751	SH		SOLE		0	0	287,751
Live Oak Bancshares, Inc.	COM	53803X105	228	3,588	SH		SOLE		0	0	3,588
Lowes Companies, Inc.	COM	548661107	4,965	24,475	SH		SOLE		0	0	24,475
Merck & Co. Inc.	COM	58933Y105	211	2,813	SH		SOLE		0	0	2,813
Microsoft Corp.	COM	594918104	3,068	10,883	SH		SOLE		0	0	10,883
Morgan Stanley	COM	617446448	644	6,615	SH		SOLE		0	0	6,615
Nike Inc.	COM	654106103	255	1,753	SH		SOLE		0	0	1,753
ONEOK Inc.	COM	682680103	580	10,000	SH		SOLE		0	0	10,000
Park National Corp.	COM	700658107	499	4,092	SH		SOLE		0	0	4,092
PepsiCo Inc.	COM	713448108	287	1,909	SH		SOLE		0	0	1,909
PIMCO 1-5 Year U.S. TIPS Index ETF	COM	72201R205	534	9,742	SH		SOLE		0	0	9,742
PIMCO Enhanced Short Maturity Active ETF	COM	72201R833	14,796	145,159	SH		SOLE		0	0	145,159
Procter & Gamble Co.	COM	742718109	243	1,740	SH		SOLE		0	0	1,740
Public Service Enterprise Group Inc.	COM	744573106	365	6,000	SH		SOLE		0	0	6,000
Raymond James Financial Inc.	COM	754730109	201	2,181	SH		SOLE		0	0	2,181
Salesforce.com, Inc.	COM	79466L302	271	1,000	SH		SOLE		0	0	1,000
Sonoco Products Co.	COM	835495102	423	7,102	SH		SOLE		0	0	7,102
South State Corporation	COM	840441109	485	6,500	SH		SOLE		0	0	6,500
SPDR Gold Shares ETF	COM	78463V107	211	1,285	SH		SOLE		0	0	1,285
SPDR S&P 500 ETF	COM	78462F103	498	1,160	SH		SOLE		0	0	1,160
SPDR S&P Homebuilders ETF	COM	78464A888	252	3,516	SH		SOLE		0	0	3,516
Target Corp.	COM	87612E106	514	2,245	SH		SOLE		0	0	2,245
Tesla Inc.	COM	88160R101	271	350	SH		SOLE		0	0	350
TowneBank	COM	89214P109	552	17,733	SH		SOLE		0	0	17,733
Truist Financial Corp.	COM	89832Q109	4,356	74,273	SH		SOLE		0	0	74,273
Vanguard FTSE Developed Markets ETF	COM	921943858	60,658	1,201,395	SH		SOLE		0	0	1,201,395
Vanguard FTSE Emerging Markets ETF	COM	922042858	27,285	545,592	SH		SOLE		0	0	545,592
Vanguard Mid-Cap Growth ETF	COM	922908538	217	919	SH		SOLE		0	0	919
Vanguard Russell 1000 ETF	COM	92206C730	5,368	26,818	SH		SOLE		0	0	26,818
Vanguard Russell 2000 ETF	COM	92206C664	1,102	12,469	SH		SOLE		0	0	12,469
Vanguard Russell 3000 ETF	COM	92206C599	554	2,797	SH		SOLE		0	0	2,797
Vanguard Short-Term Bond ETF	COM	921937827	12,864	156,990	SH		SOLE		0	0	156,990
Vanguard Short-Term Inflation-Protected Sec ETF	COM	922020805	1,751	33,302	SH		SOLE		0	0	33,302
Vanguard Small-Cap Value ETF	COM	922908611	336	1,985	SH		SOLE		0	0	1,985
Vanguard Total Bond Market ETF	COM	921937835	1,633	19,108	SH		SOLE		0	0	19,108
Vanguard Total Stock Market ETF	COM	922908769	2,350	10,582	SH		SOLE		0	0	10,582
Vanguard Total World Stock Index ETF	COM	922042742	6,103	59,935	SH		SOLE		0	0	59,935
Vanguard Value ETF	COM	922908744	1,404	10,374	SH		SOLE		0	0	10,374
Wal-Mart Stores, Inc.	COM	931142103	551	3,950	SH		SOLE		0	0	3,950
Wells Fargo & Co.	COM	949746101	409	8,806	SH		SOLE		0	0	8,806
Williams Companies, Inc.	COM	969457100	259	10,001	SH		SOLE		0	0	10,001
YUM! Brands Inc.	COM	988498101	323	2,645	SH		SOLE		0	0	2,645