# EDGAR Filing Document

**Accession Number:** 0002054674
**File Stem:** 0002054674-25-000004
**Filing Date:** 2025-11
**Character Count:** 8802
**Document Hash:** eedd0c3291db2f64dc01ab00257919dc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002054674-25-000004.hdr.sgml**: 20251103

**ACCESSION NUMBER**: 0002054674-25-000004

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251103

**DATE AS OF CHANGE**: 20251103

**EFFECTIVENESS DATE**: 20251103

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ArborFi Advisors, LLC
- **CENTRAL INDEX KEY:** 0002054674

**ORGANIZATION NAME:**
- **EIN:** 842525632
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25347
- **FILM NUMBER:** 251443313

**BUSINESS ADDRESS:**
- **STREET 1:** 2395 S HURON PKWY
- **STREET 2:** SUITE 101
- **CITY:** ANN ARBOR
- **STATE:** MI
- **ZIP:** 48104
- **BUSINESS PHONE:** 734-345-6980

**MAIL ADDRESS:**
- **STREET 1:** 2395 S HURON PKWY
- **STREET 2:** SUITE 101
- **CITY:** ANN ARBOR
- **STATE:** MI
- **ZIP:** 48104

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** ArborFi Advisors LLC<br>**Address:** 2395 S HURON PKWY<br>SUITE 101<br>ANN ARBOR, MI 48104

**Form 13F File Number:** 028-25347

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Tom Costigan<br>**Title:** Partner<br>**Phone:** 7343456980

**Signature, Place, and Date of Signing:**

Tom Costigan  Ann Arbor, MI  11-03-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 49

**Form 13F Information Table Value Total:** $122817190

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 424939 | 1748 | SH |  | SOLE |  | 0 | 0 | 1748 |
| AMAZON COM INC | COM | 023135106 |  | 252066 | 1148 | SH |  | SOLE |  | 0 | 0 | 1148 |
| APPLE INC | COM | 037833100 |  | 428288 | 1682 | SH |  | SOLE |  | 0 | 0 | 1682 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 486150 | 967 | SH |  | SOLE |  | 0 | 0 | 967 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 754200 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 6881822 | 116247 | SH |  | SOLE |  | 0 | 0 | 116247 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 3636186 | 68298 | SH |  | SOLE |  | 0 | 0 | 68298 |
| BLACKROCK ETF TRUST II | ISHARES HIGH YIE | 092528843 |  | 317030 | 6445 | SH |  | SOLE |  | 0 | 0 | 6445 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 9768608 | 228452 | SH |  | SOLE |  | 0 | 0 | 228452 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 3461865 | 109796 | SH |  | SOLE |  | 0 | 0 | 109796 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 7122978 | 195955 | SH |  | SOLE |  | 0 | 0 | 195955 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 6824661 | 180690 | SH |  | SOLE |  | 0 | 0 | 180690 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 |  | 792246 | 16512 | SH |  | SOLE |  | 0 | 0 | 16512 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 |  | 1942210 | 8742 | SH |  | SOLE |  | 0 | 0 | 8742 |
| GLOBAL X FDS | ARTIFICIAL ETF | 37954Y632 |  | 1898058 | 38430 | SH |  | SOLE |  | 0 | 0 | 38430 |
| GLOBAL X FDS | DEFENSE TECH ETF | 37960A529 |  | 1221263 | 17387 | SH |  | SOLE |  | 0 | 0 | 17387 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 3404207 | 28120 | SH |  | SOLE |  | 0 | 0 | 28120 |
| INVESCO EXCH TRADED FD TR II | 500 QVM MULTI | 46138G581 |  | 425591 | 10836 | SH |  | SOLE |  | 0 | 0 | 10836 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 1240573 | 63424 | SH |  | SOLE |  | 0 | 0 | 63424 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 1325222 | 67236 | SH |  | SOLE |  | 0 | 0 | 67236 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 |  | 1431713 | 69602 | SH |  | SOLE |  | 0 | 0 | 69602 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 | 46138J577 |  | 1490956 | 79264 | SH |  | SOLE |  | 0 | 0 | 79264 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO 30 CORP | 46138J460 |  | 1277792 | 75609 | SH |  | SOLE |  | 0 | 0 | 75609 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 CB | 46138J825 |  | 206010 | 9957 | SH |  | SOLE |  | 0 | 0 | 9957 |
| INVESCO EXCHANGE TRADED FD T | S SMLCP MOMENT | 46137V498 |  | 2528233 | 34365 | SH |  | SOLE |  | 0 | 0 | 34365 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 342211 | 570 | SH |  | SOLE |  | 0 | 0 | 570 |
| ISHARES TR | CORE S ETF | 464287200 |  | 21012272 | 31394 | SH |  | SOLE |  | 0 | 0 | 31394 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 1517708 | 35051 | SH |  | SOLE |  | 0 | 0 | 35051 |
| ISHARES TR | MBS ETF | 464288588 |  | 2510247 | 26382 | SH |  | SOLE |  | 0 | 0 | 26382 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 589529 | 5536 | SH |  | SOLE |  | 0 | 0 | 5536 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 602987 | 5647 | SH |  | SOLE |  | 0 | 0 | 5647 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 236123 | 1214 | SH |  | SOLE |  | 0 | 0 | 1214 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 273728 | 1880 | SH |  | SOLE |  | 0 | 0 | 1880 |
| MICROSOFT CORP | COM | 594918104 |  | 501894 | 969 | SH |  | SOLE |  | 0 | 0 | 969 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 206357 | 1106 | SH |  | SOLE |  | 0 | 0 | 1106 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 360598 | 605 | SH |  | SOLE |  | 0 | 0 | 605 |
| SPDR SERIES TRUST | PORTFOLIO INTRMD | 78464A375 |  | 268239 | 7915 | SH |  | SOLE |  | 0 | 0 | 7915 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 3946530 | 69007 | SH |  | SOLE |  | 0 | 0 | 69007 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 3859942 | 133562 | SH |  | SOLE |  | 0 | 0 | 133562 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 11396188 | 109044 | SH |  | SOLE |  | 0 | 0 | 109044 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 2407353 | 43509 | SH |  | SOLE |  | 0 | 0 | 43509 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 836511 | 1366 | SH |  | SOLE |  | 0 | 0 | 1366 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1512207 | 4608 | SH |  | SOLE |  | 0 | 0 | 4608 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 293083 | 952 | SH |  | SOLE |  | 0 | 0 | 952 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 1099027 | 15399 | SH |  | SOLE |  | 0 | 0 | 15399 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 484277 | 8229 | SH |  | SOLE |  | 0 | 0 | 8229 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 8134225 | 57710 | SH |  | SOLE |  | 0 | 0 | 57710 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 248628 | 333 | SH |  | SOLE |  | 0 | 0 | 333 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 634459 | 8299 | SH |  | SOLE |  | 0 | 0 | 8299 |

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