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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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	478	3,210	SH		SOLE		0	0	3,210
Abbott Laboratories	COM	002824100	241	2,039	SH		SOLE		0	0	2,039
AbbVie Inc.	COM	00287Y109	348	2,149	SH		SOLE		0	0	2,149
Accenture plc	COM	G1151C101	266	789	SH		SOLE		0	0	789
Allstate Corporation	COM	020002101	659	4,760	SH		SOLE		0	0	4,760
Alphabet Inc. Cl A	COM	02079K305	907	326	SH		SOLE		0	0	326
Alphabet Inc. Cl C	COM	02079K107	1,182	423	SH		SOLE		0	0	423
Amazon.com Inc.	COM	023135106	303	93	SH		SOLE		0	0	93
Apple Inc.	Stock	037833100	11,078	63,446	SH		SOLE		0	0	63,446
ARK Innovation ETF	COM	00214Q104	319	4,816	SH		SOLE		0	0	4,816
Armada Hoffler Properties Inc.	COM	04208T108	356	24,400	SH		SOLE		0	0	24,400
Bank of America Corp.	COM	060505104	838	20,328	SH		SOLE		0	0	20,328
Berkshire Hathaway Inc.	COM	084670702	831	2,355	SH		SOLE		0	0	2,355
Bristol-Myers Squibb Co.	COM	110122108	237	3,239	SH		SOLE		0	0	3,239
Cadence Bank	COM	12740C103	1,812	61,926	SH		SOLE		0	0	61,926
Cisco Systems Inc.	COM	17275R102	552	9,907	SH		SOLE		0	0	9,907
Coca-Cola Co.	COM	191216100	821	13,235	SH		SOLE		0	0	13,235
Costco Wholesale Corp.	COM	22160K105	354	615	SH		SOLE		0	0	615
Danaher Corp.	COM	235851102	242	824	SH		SOLE		0	0	824
Dimensional U.S. Core Equity 2 ETF	COM	25434V708	376	13,630	SH		SOLE		0	0	13,630
Discover Financial Services	COM	254709108	331	3,001	SH		SOLE		0	0	3,001
Dominion Energy, Inc.	COM	25746U109	505	5,941	SH		SOLE		0	0	5,941
Duke Energy Corp.	COM	26441C204	1,224	10,963	SH		SOLE		0	0	10,963
Enbridge Inc.	COM	29250N105	372	8,080	SH		SOLE		0	0	8,080
Exxon Mobil Corp.	COM	30231G102	571	6,913	SH		SOLE		0	0	6,913
F5 Networks, Inc.	COM	315616102	209	1,000	SH		SOLE		0	0	1,000
FactSet Research Systems Inc.	COM	303075105	217	500	SH		SOLE		0	0	500
First Trust NASDAQ Clean Edge Green Energy Idx EFT	COM	33733E500	269	4,167	SH		SOLE		0	0	4,167
Global Payments Inc.	COM	37940X102	321	2,346	SH		SOLE		0	0	2,346
Halozyme Therapeutics, Inc.	COM	40637H109	716	17,950	SH		SOLE		0	0	17,950
Home Depot Inc.	COM	437076102	677	2,261	SH		SOLE		0	0	2,261
IBM Corp.	COM	459200101	442	3,399	SH		SOLE		0	0	3,399
Intel Corp.	COM	458140100	611	12,332	SH		SOLE		0	0	12,332
Invesco FTSE RAFI US 1000 ETF	ETF	46137V613	72,033	421,589	SH		SOLE		0	0	421,589
Invesco FTSE RAFI US 1500 Small-Mid ETF	ETF	46137V597	26,338	144,184	SH		SOLE		0	0	144,184
Invesco S&P 500 Equal Weight Technology ETF	COM	46137V282	260	900	SH		SOLE		0	0	900
iShares 0-5 Year TIPS Bond ETF	ETF	46429B747	27,173	258,942	SH		SOLE		0	0	258,942
iShares Cohen & Steers REIT ETF	COM	464287564	287	4,045	SH		SOLE		0	0	4,045
iShares Core Aggressive Allocation ETF	COM	464289859	254	3,690	SH		SOLE		0	0	3,690
iShares Core MSCI EAFE ETF	ETF	46432F842	4,431	63,741	SH		SOLE		0	0	63,741
iShares Core MSCI Emerging Markets ETF	ETF	46434G103	2,870	51,663	SH		SOLE		0	0	51,663
iShares Core MSCI Intl Developed Markets ETF	ETF	46435G326	2,047	32,172	SH		SOLE		0	0	32,172
iShares Core S&P 500 ETF	COM	464287200	1,238	2,729	SH		SOLE		0	0	2,729
iShares Core U.S. Aggregate Bond ETF	ETF	464287226	8,710	81,324	SH		SOLE		0	0	81,324
iShares ESG MSCI EAFE ETF	COM	46435G516	338	4,582	SH		SOLE		0	0	4,582
iShares ESG MSCI EM ETF	COM	46434G863	327	8,892	SH		SOLE		0	0	8,892
iShares Gold Trust ETF	COM	464285204	266	7,227	SH		SOLE		0	0	7,227
iShares MSCI EAFE ETF	ETF	464287465	34,037	462,459	SH		SOLE		0	0	462,459
iShares MSCI Emerging Markets ETF	ETF	464287234	9,916	219,628	SH		SOLE		0	0	219,628
iShares MSCI KLD 400 Social ETF	COM	464288570	1,552	17,918	SH		SOLE		0	0	17,918
iShares MSCI World ETF	COM	464286392	296	2,310	SH		SOLE		0	0	2,310
iShares Russell 1000 ETF	ETF	464287622	90,501	361,904	SH		SOLE		0	0	361,904
iShares Russell 1000 Growth ETF	ETF	464287614	6,998	25,208	SH		SOLE		0	0	25,208
iShares Russell 1000 Value ETF	ETF	464287598	7,242	43,630	SH		SOLE		0	0	43,630
iShares Russell 2000 ETF	ETF	464287655	9,507	46,316	SH		SOLE		0	0	46,316
iShares Russell 2000 Growth ETF	COM	464287648	301	1,177	SH		SOLE		0	0	1,177
iShares Russell 3000 ETF	COM	464287689	213	811	SH		SOLE		0	0	811
iShares Russell Mid-Cap ETF	COM	464287499	314	4,019	SH		SOLE		0	0	4,019
iShares Russell Mid-Cap Value ETF	COM	464287473	299	2,497	SH		SOLE		0	0	2,497
iShares S&P 500 Growth ETF	COM	464287309	826	10,812	SH		SOLE		0	0	10,812
iShares Select Dividend ETF	COM	464287168	399	3,111	SH		SOLE		0	0	3,111
iShares TIPS Bond ETF	ETF	464287176	2,279	18,293	SH		SOLE		0	0	18,293
iShares Treasury Floating Rate Bond ETF	COM	46434V860	731	14,521	SH		SOLE		0	0	14,521
iShares U.S. Financial Services ETF	COM	464287770	307	1,700	SH		SOLE		0	0	1,700
iShares U.S. Healthcare ETF	COM	464287762	278	961	SH		SOLE		0	0	961
Johnson & Johnson Inc.	COM	478160104	951	5,366	SH		SOLE		0	0	5,366
JPMorgan Chase & Co.	COM	46625H100	686	5,031	SH		SOLE		0	0	5,031
JPMorgan Ultra-Short Income ETF	ETF	46641Q837	18,531	368,634	SH		SOLE		0	0	368,634
Live Oak Bancshares, Inc.	COM	53803X105	295	5,788	SH		SOLE		0	0	5,788
Lowes Companies, Inc.	Stock	548661107	4,889	24,181	SH		SOLE		0	0	24,181
Merck & Co. Inc.	COM	58933Y105	220	2,682	SH		SOLE		0	0	2,682
Meta Platforms, Inc.	COM	30303M102	400	1,801	SH		SOLE		0	0	1,801
Microsoft Corp.	Stock	594918104	3,743	12,142	SH		SOLE		0	0	12,142
Morgan Stanley	COM	617446448	571	6,529	SH		SOLE		0	0	6,529
Nike Inc.	COM	654106103	239	1,773	SH		SOLE		0	0	1,773
NVIDIA Corporation	COM	67066G104	288	1,054	SH		SOLE		0	0	1,054
ONE Gas, Inc.	COM	68235P108	221	2,500	SH		SOLE		0	0	2,500
ONEOK Inc.	COM	682680103	706	10,000	SH		SOLE		0	0	10,000
Park National Corp.	COM	700658107	538	4,092	SH		SOLE		0	0	4,092
PepsiCo Inc.	COM	713448108	321	1,918	SH		SOLE		0	0	1,918
PIMCO 1-5 Year U.S. TIPS Index ETF	COM	72201R205	948	17,398	SH		SOLE		0	0	17,398
PIMCO Enhanced Short Maturity Active ETF	ETF	72201R833	14,984	149,603	SH		SOLE		0	0	149,603
Procter & Gamble Co.	COM	742718109	254	1,664	SH		SOLE		0	0	1,664
Public Service Enterprise Group Inc.	COM	744573106	420	6,000	SH		SOLE		0	0	6,000
Raymond James Financial Inc.	COM	754730109	240	2,181	SH		SOLE		0	0	2,181
Salesforce.com, Inc.	COM	79466L302	212	1,000	SH		SOLE		0	0	1,000
Sonoco Products Co.	COM	835495102	444	7,102	SH		SOLE		0	0	7,102
South State Corporation	COM	840441109	548	6,715	SH		SOLE		0	0	6,715
SPDR Gold Shares ETF	COM	78463V107	335	1,855	SH		SOLE		0	0	1,855
SPDR S&P 500 ETF	COM	78462F103	524	1,160	SH		SOLE		0	0	1,160
SPDR S&P Homebuilders ETF	COM	78464A888	222	3,516	SH		SOLE		0	0	3,516
Target Corp.	COM	87612E106	477	2,246	SH		SOLE		0	0	2,246
Tesla Inc.	COM	88160R101	366	340	SH		SOLE		0	0	340
The Walt Disney Co.	COM	254687106	244	1,778	SH		SOLE		0	0	1,778
TowneBank	COM	89214P109	526	17,558	SH		SOLE		0	0	17,558
Truist Financial Corp.	Stock	89832Q109	4,214	74,324	SH		SOLE		0	0	74,324
Union Pacific Corp.	COM	907818108	268	981	SH		SOLE		0	0	981
UnitedHealth Group Inc.	COM	91324P102	366	717	SH		SOLE		0	0	717
Vanguard FTSE Developed Markets ETF	ETF	921943858	59,942	1,248,013	SH		SOLE		0	0	1,248,013
Vanguard FTSE Emerging Markets ETF	ETF	922042858	26,004	563,720	SH		SOLE		0	0	563,720
Vanguard Mid-Cap Growth ETF	COM	922908538	205	919	SH		SOLE		0	0	919
Vanguard Russell 1000 ETF	ETF	92206C730	5,837	28,171	SH		SOLE		0	0	28,171
Vanguard Russell 1000 Value ETF	COM	92206C714	250	3,435	SH		SOLE		0	0	3,435
Vanguard Russell 2000 ETF	COM	92206C664	705	8,508	SH		SOLE		0	0	8,508
Vanguard Russell 3000 ETF	COM	92206C599	545	2,673	SH		SOLE		0	0	2,673
Vanguard S&P 500 ETF	COM	922908363	238	574	SH		SOLE		0	0	574
Vanguard Short-Term Bond ETF	ETF	921937827	14,342	184,108	SH		SOLE		0	0	184,108
Vanguard Short-Term Inflation-Protected Sec ETF	ETF	922020805	3,150	61,516	SH		SOLE		0	0	61,516
Vanguard Small-Cap Value ETF	COM	922908611	360	2,048	SH		SOLE		0	0	2,048
Vanguard Total Bond Market ETF	COM	921937835	1,917	24,103	SH		SOLE		0	0	24,103
Vanguard Total Stock Market ETF	ETF	922908769	2,388	10,488	SH		SOLE		0	0	10,488
Vanguard Total World Stock Index ETF	ETF	922042742	5,540	54,695	SH		SOLE		0	0	54,695
Vanguard Value ETF	COM	922908744	1,486	10,052	SH		SOLE		0	0	10,052
Wal-Mart Stores, Inc.	COM	931142103	580	3,894	SH		SOLE		0	0	3,894
Wells Fargo & Co.	COM	949746101	428	8,834	SH		SOLE		0	0	8,834
Williams Companies, Inc.	COM	969457100	434	13,001	SH		SOLE		0	0	13,001
YUM! Brands Inc.	COM	988498101	314	2,646	SH		SOLE		0	0	2,646