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	415	3,210	SH		SOLE		0	0	3,210
Abbott Laboratories	COM	002824100	222	2,039	SH		SOLE		0	0	2,039
AbbVie Inc.	COM	00287Y109	329	2,149	SH		SOLE		0	0	2,149
Accenture plc	COM	G1151C101	219	789	SH		SOLE		0	0	789
Allstate Corporation	COM	020002101	603	4,760	SH		SOLE		0	0	4,760
Alphabet Inc. Cl A	COM	02079K305	710	326	SH		SOLE		0	0	326
Alphabet Inc. Cl C	COM	02079K107	930	425	SH		SOLE		0	0	425
Apple Inc.	COM	037833100	8,322	60,866	SH		SOLE		0	0	60,866
ARK Innovation ETF	COM	00214Q104	203	5,088	SH		SOLE		0	0	5,088
Armada Hoffler Properties Inc.	COM	04208T108	313	24,400	SH		SOLE		0	0	24,400
Bank of America Corp.	COM	060505104	602	19,333	SH		SOLE		0	0	19,333
Berkshire Hathaway Inc.	COM	084670702	643	2,355	SH		SOLE		0	0	2,355
Bristol-Myers Squibb Co.	COM	110122108	252	3,279	SH		SOLE		0	0	3,279
Cadence Bank	COM	12740C103	1,454	61,926	SH		SOLE		0	0	61,926
Cisco Systems Inc.	COM	17275R102	423	9,915	SH		SOLE		0	0	9,915
Coca-Cola Co.	COM	191216100	791	12,579	SH		SOLE		0	0	12,579
Costco Wholesale Corp.	COM	22160K105	295	615	SH		SOLE		0	0	615
Danaher Corp.	COM	235851102	209	824	SH		SOLE		0	0	824
Dimensional U.S. Core Equity 2 ETF	COM	25434V708	318	13,630	SH		SOLE		0	0	13,630
Discover Financial Services	COM	254709108	284	3,001	SH		SOLE		0	0	3,001
Dominion Energy, Inc.	COM	25746U109	455	5,702	SH		SOLE		0	0	5,702
Duke Energy Corp.	COM	26441C204	1,176	10,973	SH		SOLE		0	0	10,973
Enbridge Inc.	COM	29250N105	342	8,099	SH		SOLE		0	0	8,099
Exxon Mobil Corp.	COM	30231G102	593	6,927	SH		SOLE		0	0	6,927
First Trust NASDAQ Clean Edge Green Energy Idx EFT	COM	33733E500	220	4,207	SH		SOLE		0	0	4,207
Global Payments Inc.	COM	37940X102	260	2,346	SH		SOLE		0	0	2,346
Halozyme Therapeutics, Inc.	COM	40637H109	790	17,950	SH		SOLE		0	0	17,950
Home Depot Inc.	COM	437076102	620	2,261	SH		SOLE		0	0	2,261
IBM Corp.	COM	459200101	454	3,217	SH		SOLE		0	0	3,217
Intel Corp.	COM	458140100	424	11,332	SH		SOLE		0	0	11,332
Invesco FTSE RAFI US 1000 ETF	COM	46137V613	66,205	446,729	SH		SOLE		0	0	446,729
Invesco FTSE RAFI US 1500 Small-Mid ETF	COM	46137V597	23,752	154,900	SH		SOLE		0	0	154,900
Invesco S&P 500 Equal Weight Technology ETF	COM	46137V282	224	948	SH		SOLE		0	0	948
iShares 0-5 Year TIPS Bond ETF	COM	46429B747	25,492	251,326	SH		SOLE		0	0	251,326
iShares Cohen & Steers REIT ETF	COM	464287564	238	3,924	SH		SOLE		0	0	3,924
iShares Core Aggressive Allocation ETF	COM	464289859	234	3,910	SH		SOLE		0	0	3,910
iShares Core MSCI EAFE ETF	COM	46432F842	4,867	82,703	SH		SOLE		0	0	82,703
iShares Core MSCI Emerging Markets ETF	COM	46434G103	2,380	48,508	SH		SOLE		0	0	48,508
iShares Core MSCI Intl Developed Markets ETF	COM	46435G326	2,283	42,485	SH		SOLE		0	0	42,485
iShares Core S&P 500 ETF	COM	464287200	1,025	2,705	SH		SOLE		0	0	2,705
iShares Core U.S. Aggregate Bond ETF	COM	464287226	8,053	79,198	SH		SOLE		0	0	79,198
iShares ESG MSCI EAFE ETF	COM	46435G516	261	4,154	SH		SOLE		0	0	4,154
iShares ESG MSCI EM ETF	COM	46434G863	272	8,427	SH		SOLE		0	0	8,427
iShares Gold Trust ETF	COM	464285204	248	7,227	SH		SOLE		0	0	7,227
iShares MSCI EAFE ETF	COM	464287465	28,738	459,889	SH		SOLE		0	0	459,889
iShares MSCI Emerging Markets ETF	COM	464287234	8,846	220,605	SH		SOLE		0	0	220,605
iShares MSCI KLD 400 Social ETF	COM	464288570	1,275	17,740	SH		SOLE		0	0	17,740
iShares MSCI World ETF	COM	464286392	288	2,697	SH		SOLE		0	0	2,697
iShares Russell 1000 ETF	COM	464287622	73,775	355,096	SH		SOLE		0	0	355,096
iShares Russell 1000 Growth ETF	COM	464287614	5,502	25,159	SH		SOLE		0	0	25,159
iShares Russell 1000 Value ETF	COM	464287598	4,704	32,446	SH		SOLE		0	0	32,446
iShares Russell 2000 ETF	COM	464287655	7,819	46,169	SH		SOLE		0	0	46,169
iShares Russell 2000 Growth ETF	COM	464287648	243	1,177	SH		SOLE		0	0	1,177
iShares Russell Mid-Cap ETF	COM	464287499	260	4,019	SH		SOLE		0	0	4,019
iShares Russell Mid-Cap Value ETF	COM	464287473	254	2,497	SH		SOLE		0	0	2,497
iShares S&P 500 Growth ETF	COM	464287309	653	10,812	SH		SOLE		0	0	10,812
iShares Select Dividend ETF	COM	464287168	362	3,076	SH		SOLE		0	0	3,076
iShares TIPS Bond ETF	COM	464287176	1,872	16,438	SH		SOLE		0	0	16,438
iShares Treasury Floating Rate Bond ETF	COM	46434V860	1,584	31,436	SH		SOLE		0	0	31,436
iShares U.S. Financial Services ETF	COM	464287770	252	1,700	SH		SOLE		0	0	1,700
iShares U.S. Healthcare ETF	COM	464287762	239	888	SH		SOLE		0	0	888
Johnson & Johnson Inc.	COM	478160104	901	5,075	SH		SOLE		0	0	5,075
JPMorgan Chase & Co.	COM	46625H100	516	4,581	SH		SOLE		0	0	4,581
JPMorgan Ultra-Short Income ETF	COM	46641Q837	16,878	336,954	SH		SOLE		0	0	336,954
Lowes Companies, Inc.	COM	548661107	4,224	24,181	SH		SOLE		0	0	24,181
Merck & Co. Inc.	COM	58933Y105	245	2,683	SH		SOLE		0	0	2,683
Meta Platforms, Inc.	COM	30303M102	267	1,655	SH		SOLE		0	0	1,655
Microsoft Corp.	COM	594918104	3,041	11,842	SH		SOLE		0	0	11,842
Morgan Stanley	COM	617446448	498	6,542	SH		SOLE		0	0	6,542
ONE Gas, Inc.	COM	68235P108	203	2,500	SH		SOLE		0	0	2,500
ONEOK Inc.	COM	682680103	555	10,000	SH		SOLE		0	0	10,000
Park National Corp.	COM	700658107	496	4,092	SH		SOLE		0	0	4,092
PepsiCo Inc.	COM	713448108	322	1,933	SH		SOLE		0	0	1,933
PIMCO 1-5 Year U.S. TIPS Index ETF	COM	72201R205	823	15,731	SH		SOLE		0	0	15,731
PIMCO Enhanced Short Maturity Active ETF	COM	72201R833	14,210	143,377	SH		SOLE		0	0	143,377
Procter & Gamble Co.	COM	742718109	240	1,670	SH		SOLE		0	0	1,670
Public Service Enterprise Group Inc.	COM	744573106	380	6,000	SH		SOLE		0	0	6,000
Sonoco Products Co.	COM	835495102	405	7,102	SH		SOLE		0	0	7,102
South State Corporation	COM	840441109	518	6,715	SH		SOLE		0	0	6,715
SPDR Gold Shares ETF	COM	78463V107	312	1,855	SH		SOLE		0	0	1,855
SPDR S&P 500 ETF	COM	78462F103	443	1,175	SH		SOLE		0	0	1,175
SPDR S&P Homebuilders ETF	COM	78464A888	227	4,158	SH		SOLE		0	0	4,158
Target Corp.	COM	87612E106	314	2,220	SH		SOLE		0	0	2,220
Tesla Inc.	COM	88160R101	210	312	SH		SOLE		0	0	312
TowneBank	COM	89214P109	477	17,558	SH		SOLE		0	0	17,558
Truist Financial Corp.	COM	89832Q109	3,453	72,798	SH		SOLE		0	0	72,798
Union Pacific Corp.	COM	907818108	209	981	SH		SOLE		0	0	981
UnitedHealth Group Inc.	COM	91324P102	368	717	SH		SOLE		0	0	717
Vanguard FTSE Developed Markets ETF	COM	921943858	55,083	1,350,064	SH		SOLE		0	0	1,350,064
Vanguard FTSE Emerging Markets ETF	COM	922042858	26,429	634,554	SH		SOLE		0	0	634,554
Vanguard Russell 1000 ETF	COM	92206C730	7,424	43,207	SH		SOLE		0	0	43,207
Vanguard Russell 2000 ETF	COM	92206C664	1,360	19,895	SH		SOLE		0	0	19,895
Vanguard Russell 3000 ETF	COM	92206C599	447	2,648	SH		SOLE		0	0	2,648
Vanguard S&P 500 Value ETF	COM	921932703	827	6,224	SH		SOLE		0	0	6,224
Vanguard Short-Term Bond ETF	COM	921937827	14,358	186,975	SH		SOLE		0	0	186,975
Vanguard Short-Term Inflation-Protected Securities ETF	COM	922020805	3,976	79,327	SH		SOLE		0	0	79,327
Vanguard Small-Cap Value ETF	COM	922908611	308	2,055	SH		SOLE		0	0	2,055
Vanguard Total Bond Market ETF	COM	921937835	1,728	22,957	SH		SOLE		0	0	22,957
Vanguard Total Stock Market ETF	COM	922908769	1,947	10,322	SH		SOLE		0	0	10,322
Vanguard Total World Stock Index ETF	COM	922042742	5,009	58,695	SH		SOLE		0	0	58,695
Vanguard Value ETF	COM	922908744	1,334	10,114	SH		SOLE		0	0	10,114
Walmart Inc.	COM	931142103	476	3,918	SH		SOLE		0	0	3,918
Wells Fargo & Co.	COM	949746101	346	8,837	SH		SOLE		0	0	8,837
YUM! Brands Inc.	COM	988498101	301	2,648	SH		SOLE		0	0	2,648