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	568	3,199	SH		SOLE		0	0	3,199
Accenture plc	COM	G1151C101	327	789	SH		SOLE		0	0	789
Allstate Corporation	COM	020002101	612	5,200	SH		SOLE		0	0	5,200
Alphabet Inc. Cl A	COM	02079K305	858	296	SH		SOLE		0	0	296
Alphabet Inc. Cl C	COM	02079K107	1,137	393	SH		SOLE		0	0	393
Apple Inc.	COM	037833100	10,005	56,345	SH		SOLE		0	0	56,345
BAKKT Holdings Inc.	COM	05759B107	17	200,000	SH	Call	SOLE		0	0	200,000
Bank of America Corp.	COM	060505104	860	19,320	SH		SOLE		0	0	19,320
Berkshire Hathaway Inc.	COM	084670702	614	2,055	SH		SOLE		0	0	2,055
Cadence Bank	COM	12740C103	1,845	61,926	SH		SOLE		0	0	61,926
Cisco Systems Inc.	COM	17275R102	627	9,900	SH		SOLE		0	0	9,900
Coca-Cola Co.	COM	191216100	731	12,351	SH		SOLE		0	0	12,351
Costco Wholesale Corp.	COM	22160K105	334	589	SH		SOLE		0	0	589
Danaher Corp.	COM	235851102	260	789	SH		SOLE		0	0	789
Dimensional U.S. Core Equity 2 ETF	COM	25434V708	395	13,630	SH		SOLE		0	0	13,630
Discover Financial Services	COM	254709108	347	3,001	SH		SOLE		0	0	3,001
Dominion Energy, Inc.	COM	25746U109	396	5,041	SH		SOLE		0	0	5,041
Duke Energy Corp.	COM	26441C204	1,138	10,853	SH		SOLE		0	0	10,853
Enbridge Inc.	COM	29250N105	300	7,668	SH		SOLE		0	0	7,668
Exxon Mobil Corp.	COM	30231G102	400	6,542	SH		SOLE		0	0	6,542
F5 Networks, Inc.	COM	315616102	245	1,000	SH		SOLE		0	0	1,000
Facebook Inc.	COM	30303M102	614	1,825	SH		SOLE		0	0	1,825
FactSet Research Systems Inc.	COM	303075105	243	500	SH		SOLE		0	0	500
First Trust NASDAQ Clean Edge Green Energy Idx EFT	COM	33733E500	283	4,167	SH		SOLE		0	0	4,167
Global Payments Inc.	COM	37940X102	317	2,346	SH		SOLE		0	0	2,346
Halozyme Therapeutics, Inc.	COM	40637H109	722	17,950	SH		SOLE		0	0	17,950
Home Depot Inc.	COM	437076102	890	2,144	SH		SOLE		0	0	2,144
IBM Corp.	COM	459200101	439	3,285	SH		SOLE		0	0	3,285
Intel Corp.	COM	458140100	647	12,557	SH		SOLE		0	0	12,557
Invesco FTSE RAFI US 1000 ETF	COM	46137V613	69,250	403,319	SH		SOLE		0	0	403,319
Invesco FTSE RAFI US 1500 Small-Mid ETF	COM	46137V597	26,075	136,015	SH		SOLE		0	0	136,015
Invesco S&P 500 Equal Weight Technology ETF	COM	46137V282	287	885	SH		SOLE		0	0	885
iShares 0-5 Year TIPS Bond ETF	COM	46429B747	31,450	297,037	SH		SOLE		0	0	297,037
iShares Cohen & Steers REIT ETF	COM	464287564	307	4,041	SH		SOLE		0	0	4,041
iShares Core Growth Allocation ETF	COM	464289867	341	5,971	SH		SOLE		0	0	5,971
iShares Core MSCI EAFE ETF	COM	46432F842	5,467	73,245	SH		SOLE		0	0	73,245
iShares Core MSCI Emerging Markets ETF	COM	46434G103	1,398	23,350	SH		SOLE		0	0	23,350
iShares Core MSCI Intl Developed Markets ETF	COM	46435G326	1,304	19,300	SH		SOLE		0	0	19,300
iShares Core S&P 500 ETF	COM	464287200	1,318	2,764	SH		SOLE		0	0	2,764
iShares Core U.S. Aggregate Bond ETF	COM	464287226	7,232	63,395	SH		SOLE		0	0	63,395
iShares ESG MSCI EAFE ETF	COM	46435G516	346	4,360	SH		SOLE		0	0	4,360
iShares ESG MSCI EM ETF	COM	46434G863	353	8,891	SH		SOLE		0	0	8,891
iShares Gold Trust ETF	COM	464285204	273	7,847	SH		SOLE		0	0	7,847
iShares MSCI EAFE ETF	COM	464287465	35,750	454,377	SH		SOLE		0	0	454,377
iShares MSCI Emerging Markets ETF	COM	464287234	11,009	225,374	SH		SOLE		0	0	225,374
iShares MSCI KLD 400 Social ETF	COM	464288570	1,665	17,918	SH		SOLE		0	0	17,918
iShares MSCI World ETF	COM	464286392	287	2,119	SH		SOLE		0	0	2,119
iShares Russell 1000 ETF	COM	464287622	96,740	365,842	SH		SOLE		0	0	365,842
iShares Russell 1000 Growth ETF	COM	464287614	8,032	26,285	SH		SOLE		0	0	26,285
iShares Russell 1000 Value ETF	COM	464287598	6,395	38,079	SH		SOLE		0	0	38,079
iShares Russell 2000 ETF	COM	464287655	10,362	46,581	SH		SOLE		0	0	46,581
iShares Russell 2000 Growth ETF	COM	464287648	345	1,177	SH		SOLE		0	0	1,177
iShares Russell 3000 ETF	COM	464287689	225	811	SH		SOLE		0	0	811
iShares Russell Mid-Cap ETF	COM	464287499	340	4,098	SH		SOLE		0	0	4,098
iShares Russell Mid-Cap Value ETF	COM	464287473	306	2,497	SH		SOLE		0	0	2,497
iShares S&P 500 Growth ETF	COM	464287309	905	10,812	SH		SOLE		0	0	10,812
iShares Select Dividend ETF	COM	464287168	394	3,216	SH		SOLE		0	0	3,216
iShares TIPS Bond ETF	COM	464287176	2,110	16,334	SH		SOLE		0	0	16,334
iShares Treasury Floating Rate Bond ETF	COM	46434V860	768	15,271	SH		SOLE		0	0	15,271
iShares U.S. Financial Services ETF	COM	464287770	328	1,700	SH		SOLE		0	0	1,700
iShares U.S. Healthcare ETF	COM	464287762	278	926	SH		SOLE		0	0	926
Johnson & Johnson Inc.	COM	478160104	881	5,150	SH		SOLE		0	0	5,150
JPMorgan Chase & Co.	COM	46625H100	747	4,717	SH		SOLE		0	0	4,717
JPMorgan Ultra-Short Income ETF	COM	46641Q837	17,802	352,649	SH		SOLE		0	0	352,649
Live Oak Bancshares, Inc.	COM	53803X105	313	3,588	SH		SOLE		0	0	3,588
Lowes Companies, Inc.	COM	548661107	6,284	24,310	SH		SOLE		0	0	24,310
Merck & Co. Inc.	COM	58933Y105	217	2,831	SH		SOLE		0	0	2,831
Microsoft Corp.	COM	594918104	3,627	10,785	SH		SOLE		0	0	10,785
Morgan Stanley	COM	617446448	640	6,520	SH		SOLE		0	0	6,520
NextEra Energy Inc	COM	65339F101	218	2,331	SH		SOLE		0	0	2,331
Nike Inc.	COM	654106103	296	1,773	SH		SOLE		0	0	1,773
NVIDIA Corporation	COM	67066G104	254	864	SH		SOLE		0	0	864
ONEOK Inc.	COM	682680103	588	10,000	SH		SOLE		0	0	10,000
Park National Corp.	COM	700658107	562	4,092	SH		SOLE		0	0	4,092
PepsiCo Inc.	COM	713448108	332	1,912	SH		SOLE		0	0	1,912
PIMCO 1-5 Year U.S. TIPS Index ETF	COM	72201R205	904	16,383	SH		SOLE		0	0	16,383
PIMCO Energy & Tactical Credit Oppt Fund	COM	69346N107	130	10,085	SH		SOLE		0	0	10,085
PIMCO Enhanced Short Maturity Active ETF	COM	72201R833	15,360	151,245	SH		SOLE		0	0	151,245
Procter & Gamble Co.	COM	742718109	286	1,746	SH		SOLE		0	0	1,746
Public Service Enterprise Group Inc.	COM	744573106	400	6,000	SH		SOLE		0	0	6,000
Raymond James Financial Inc.	COM	754730109	219	2,181	SH		SOLE		0	0	2,181
Salesforce.com, Inc.	COM	79466L302	254	1,000	SH		SOLE		0	0	1,000
Sonoco Products Co.	COM	835495102	411	7,102	SH		SOLE		0	0	7,102
South State Corporation	COM	840441109	521	6,500	SH		SOLE		0	0	6,500
SPDR Gold Shares ETF	COM	78463V107	221	1,291	SH		SOLE		0	0	1,291
SPDR S&P 500 ETF	COM	78462F103	551	1,160	SH		SOLE		0	0	1,160
SPDR S&P Homebuilders ETF	COM	78464A888	302	3,516	SH		SOLE		0	0	3,516
Target Corp.	COM	87612E106	520	2,246	SH		SOLE		0	0	2,246
Tesla Inc.	COM	88160R101	361	342	SH		SOLE		0	0	342
TowneBank	COM	89214P109	555	17,558	SH		SOLE		0	0	17,558
Truist Financial Corp.	COM	89832Q109	4,323	73,826	SH		SOLE		0	0	73,826
Union Pacific Corp.	COM	907818108	247	981	SH		SOLE		0	0	981
UnitedHealth Group	COM	91324P102	240	477	SH		SOLE		0	0	477
Vanguard FTSE Developed Markets ETF	COM	921943858	61,733	1,209,025	SH		SOLE		0	0	1,209,025
Vanguard FTSE Emerging Markets ETF	COM	922042858	27,454	555,083	SH		SOLE		0	0	555,083
Vanguard Mid-Cap Growth ETF	COM	922908538	234	919	SH		SOLE		0	0	919
Vanguard Russell 1000 ETF	COM	92206C730	6,085	27,803	SH		SOLE		0	0	27,803
Vanguard Russell 2000 ETF	COM	92206C664	1,048	11,674	SH		SOLE		0	0	11,674
Vanguard Russell 3000 ETF	COM	92206C599	576	2,671	SH		SOLE		0	0	2,671
Vanguard Short-Term Bond ETF	COM	921937827	14,953	184,995	SH		SOLE		0	0	184,995
Vanguard Short-Term Inflation-Protected Sec ETF	COM	922020805	2,115	41,157	SH		SOLE		0	0	41,157
Vanguard Small-Cap Growth ETF	COM	922908595	200	711	SH		SOLE		0	0	711
Vanguard Small-Cap Value ETF	COM	922908611	364	2,035	SH		SOLE		0	0	2,035
Vanguard Total Bond Market ETF	COM	921937835	1,844	21,758	SH		SOLE		0	0	21,758
Vanguard Total Stock Market ETF	COM	922908769	2,458	10,181	SH		SOLE		0	0	10,181
Vanguard Total World Stock Index ETF	COM	922042742	6,488	60,390	SH		SOLE		0	0	60,390
Vanguard Value ETF	COM	922908744	1,459	9,917	SH		SOLE		0	0	9,917
Wal-Mart Stores, Inc.	COM	931142103	572	3,950	SH		SOLE		0	0	3,950
Wells Fargo & Co.	COM	949746101	425	8,852	SH		SOLE		0	0	8,852
Williams Companies, Inc.	COM	969457100	260	10,001	SH		SOLE		0	0	10,001
YUM Brands Inc.	COM	988498101	367	2,645	SH		SOLE		0	0	2,645