Arbor Investment Advisors

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Client assets under management

$1,245,202,687

Clients

471

62% high-net-worth

Advisors

of 8 employees

Firm type

Team

5-30 advisors or >$500M in AUM

Clients per advisor

118

Very High

Average account size

$2,643,742

About

Arbor Investment Advisors provides discretionary and non‑discretionary investment advisory services and financial planning to individuals, pension and profit‑sharing plans, business entities, trusts and charitable organizations. The firm serves both non‑high‑net‑worth and high‑net‑worth clients and generally requires a $1,000,000 minimum for investment advisory services, although it may waive the minimum or negotiate fees in certain circumstances.

The firm’s investment approach is rooted in asset allocation concepts evolved from Modern Portfolio Theory and typically uses exchange‑traded funds, no‑load mutual funds and closed‑end funds, with allocations to unaffiliated independent managers when appropriate. Arbor addresses concentrated stock positions through hedging or structured transition plans, limits discretionary cryptocurrency purchases to client‑authorized exposures, and supplements portfolio monitoring and reporting with tools such as Right Capital and internally reviewed AI systems.

Arbor manages roughly $1.29 billion in client assets across four advisors, reflecting a higher AUM per advisor than many peer team firms. The firm issues quarterly reports and other periodic comprehensive reporting, manages held‑away retirement accounts via an order‑management system for tax‑efficient rebalancing, and maintains a trade‑error policy that reimburses losses while allocating gains to charity.

Client services

Financial planning Portfolio management Selection of other advisers Newsletters or periodicals

Portfolio mgmt foundations & money pension purchase plan; consulting pursuant to erisa 404c

Expertise

Concentrated stock management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Wealth management

Occupation focus

Founder/Business Owner Retired

Fee options

Fixed

Flat fee of $3,000 to $7,000 for stand-alone financial planning and consulting services

Percentage

$0 - $1,000,000: 1.25% $1,000,000 - $3,000,000: 1.00% $3,000,000 - $5,000,000: 0.75% $5,000,000 - $15,000,000: 0.50% $15,000,000+: Negotiable

Other

Account minimum: $1,000,000 Fee-only: Flat fee of $3,000 to $7,000 for stand-alone financial planning and consulting services

Main office location

Arbor Investment Advisors

300 South Main Street

Winston Salem NC 27101, United States

Number of offices

Most active in

California · Colorado · Florida · Georgia · New Hampshire · North Carolina · South Carolina · Tennessee · Texas

Disclosures

Business activities & affiliations

Is active or affiliated with:

Lawyer

They provide legal services, typically billed separately.

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Website 336-777-1677

Advisors at this firm

William H

CFP®, Series 65

Winston Salem, NC

Arbor Investment Advisors

William Hollan is a CFP® with 14 years of experience in the financial advisory industry. He has been with Arbor Investment Advisors since 2011. Hollan holds a Series 65 license and is based in Winston Salem, NC. Arbor Investment Advisors serves individuals, pension and profit-sharing plans, business entities, trusts, and charitable organizations, providing discretionary and non-discretionary investment management along with financial planning and consulting services. The firm’s investment approach focuses on asset allocation and modern portfolio theory, utilizing exchange-traded funds, mutual funds, closed-end funds, and individual securities as appropriate.

Concentrated stock management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Wealth management Founder/Business Owner Retired

Scott C

CFP®, CFA®, Series 63

Winston Salem, NC

Arbor Investment Advisors

Scott Cawood is a CFP® and CFA® with 16 years of industry experience, currently serving at Arbor Investment Advisors since 2003. He holds the position of Chairman of the Board at Piedmont Federal Savings Bank. Arbor Investment Advisors provides investment management and financial planning services to individuals, pension and profit-sharing plans, business entities, trusts, and charitable organizations. The firm employs an investment approach based on asset allocation and modern portfolio theory, utilizing a range of investment vehicles including ETFs, no-load mutual funds, and individual equities.

Concentrated stock management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Wealth management Founder/Business Owner Retired

Erika M

CFP®, Series 63, Series 66

Winston Salem, NC

Arbor Investment Advisors

Erika Mielke is a CFP® with 10 years of industry experience, currently serving at Arbor Investment Advisors since 2018. She previously worked at Wells Fargo Clearing Services, LLC and Wells Fargo Advisors, LLC. Arbor Investment Advisors serves individuals, pension and profit-sharing plans, business entities, trusts, and charitable organizations, offering investment management and financial planning services. The firm’s approach is based on asset allocation and modern portfolio theory, utilizing a range of investment vehicles including ETFs, mutual funds, and individual securities.

Concentrated stock management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Wealth management Founder/Business Owner Retired

Scott J

CFP®, Series 65

Winston Salem, NC

Arbor Investment Advisors

Scott Jones is a CFP® with 16 years of industry experience, currently serving as an advisor at Arbor Investment Advisors since 2006. He holds a Series 65 license and is based in Winston Salem, NC. Arbor Investment Advisors provides investment management and consulting services to individuals, pension and profit-sharing plans, business entities, trusts, and charitable organizations. The firm employs an asset allocation approach grounded in modern portfolio theory, utilizing ETFs, mutual funds, closed-end funds, and individual equities and fixed income, with a focus on tax-efficient strategies and comprehensive portfolio reporting.

Concentrated stock management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Wealth management Founder/Business Owner Retired

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