# EDGAR Filing Document

**Accession Number:** 0001797135
**File Stem:** 0001951757-25-001360
**Filing Date:** 2025-11
**Character Count:** 11492
**Document Hash:** 654bc7ae0fc93d48bf74717e409cac58
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-001360.hdr.sgml**: 20251110

**ACCESSION NUMBER**: 0001951757-25-001360

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251110

**DATE AS OF CHANGE**: 20251110

**EFFECTIVENESS DATE**: 20251110

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ARBOR TRUST WEALTH ADVISORS, LLC
- **CENTRAL INDEX KEY:** 0001797135

**ORGANIZATION NAME:**
- **EIN:** 471494524
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19734
- **FILM NUMBER:** 251465227

**BUSINESS ADDRESS:**
- **STREET 1:** 825 VICTORS WAY, SUITE 150
- **CITY:** ANN ARBOR
- **STATE:** MI
- **ZIP:** 48108
- **BUSINESS PHONE:** 734-389-7794

**MAIL ADDRESS:**
- **STREET 1:** 825 VICTORS WAY, SUITE 150
- **CITY:** ANN ARBOR
- **STATE:** MI
- **ZIP:** 48108

### 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:** ARBOR TRUST WEALTH ADVISORS LLC<br>**Address:** 825 VICTORS WAY SUITE 150<br>ANN ARBOR, MI 48108

**Form 13F File Number:** 028-19734

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:** Laura Yarckow<br>**Title:** Chief Compliance Officer<br>**Phone:** (734) 389-7794

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

Laura Yarckow  Ann Arbor, MI  11-10-2025<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:** 81

**Form 13F Information Table Value Total:** $222059379

      (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 |
| ABBOTT LABS | COM | 002824100 |  | 6298178 | 47022 | SH |  | SOLE |  | 47022 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 721071 | 3284 | SH |  | SOLE |  | 3284 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 603535 | 1817 | SH |  | SOLE |  | 1817 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 8379551 | 32909 | SH |  | SOLE |  | 32909 | 0 | 0 |
| APPLIED MATLS INC | COM | 038222105 |  | 1074066 | 5246 | SH |  | SOLE |  | 5246 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 376659 | 7301 | SH |  | SOLE |  | 7301 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 573124 | 1140 | SH |  | SOLE |  | 1140 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 2662497 | 5580 | SH |  | SOLE |  | 5580 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 2185540 | 14074 | SH |  | SOLE |  | 14074 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 786589 | 11770 | SH |  | SOLE |  | 11770 | 0 | 0 |
| CUMMINS INC | COM | 231021106 |  | 578647 | 1370 | SH |  | SOLE |  | 1370 | 0 | 0 |
| DTE ENERGY CO | COM | 233331107 |  | 229742 | 1612 | SH |  | SOLE |  | 1612 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 |  | 603485 | 3039 | SH |  | SOLE |  | 3039 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 488254 | 1205 | SH |  | SOLE |  | 1205 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 |  | 1210586 | 5751 | SH |  | SOLE |  | 5751 | 0 | 0 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 208862 | 796 | SH |  | SOLE |  | 796 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1212159 | 4296 | SH |  | SOLE |  | 4296 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 3402414 | 5084 | SH |  | SOLE |  | 5084 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 4365843 | 43550 | SH |  | SOLE |  | 43550 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 423118 | 3505 | SH |  | SOLE |  | 3505 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 297495 | 3586 | SH |  | SOLE |  | 3586 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 8446136 | 90459 | SH |  | SOLE |  | 90459 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 2798883 | 42888 | SH |  | SOLE |  | 42888 | 0 | 0 |
| ISHARES TR | SELECT US REIT | 464287564 |  | 3813703 | 61891 | SH |  | SOLE |  | 61891 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 2890326 | 11945 | SH |  | SOLE |  | 11945 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1576657 | 13268 | SH |  | SOLE |  | 13268 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 867024 | 4676 | SH |  | SOLE |  | 4676 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 1717503 | 2251 | SH |  | SOLE |  | 2251 | 0 | 0 |
| LOWES COS INC | COM | 548661107 |  | 1140763 | 4539 | SH |  | SOLE |  | 4539 | 0 | 0 |
| MASCO CORP | COM | 574599106 |  | 228768 | 3250 | SH |  | SOLE |  | 3250 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 1965561 | 6468 | SH |  | SOLE |  | 6468 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 6683898 | 12905 | SH |  | SOLE |  | 12905 | 0 | 0 |
| MICROCHIP TECHNOLOGY INC. | COM | 595017104 |  | 327522 | 5100 | SH |  | SOLE |  | 5100 | 0 | 0 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 1539367 | 7560 | SH |  | SOLE |  | 7560 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 815594 | 5807 | SH |  | SOLE |  | 5807 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 2108996 | 13726 | SH |  | SOLE |  | 13726 | 0 | 0 |
| RPM INTL INC | COM | 749685103 |  | 218078 | 1850 | SH |  | SOLE |  | 1850 | 0 | 0 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 1170967 | 12265 | SH |  | SOLE |  | 12265 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 7356526 | 279291 | SH |  | SOLE |  | 279291 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 10852317 | 340091 | SH |  | SOLE |  | 340091 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 3045213 | 104611 | SH |  | SOLE |  | 104611 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 8786925 | 296455 | SH |  | SOLE |  | 296455 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 5288012 | 189534 | SH |  | SOLE |  | 189534 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 308986 | 9259 | SH |  | SOLE |  | 9259 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 11966743 | 514035 | SH |  | SOLE |  | 514035 | 0 | 0 |
| STRYKER CORPORATION | COM | 863667101 |  | 4246027 | 11460 | SH |  | SOLE |  | 11460 | 0 | 0 |
| TJX COS INC NEW | COM | 872540109 |  | 3296524 | 22807 | SH |  | SOLE |  | 22807 | 0 | 0 |
| UNITED RENTALS INC | COM | 911363109 |  | 391411 | 410 | SH |  | SOLE |  | 410 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1854868 | 34235 | SH |  | SOLE |  | 34235 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 355382 | 579 | SH |  | SOLE |  | 579 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 1219044 | 5815 | SH |  | SOLE |  | 5815 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 368646 | 3577 | SH |  | SOLE |  | 3577 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 441232 | 734 | SH |  | SOLE |  | 734 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 10432437 | 45057 | SH |  | SOLE |  | 45057 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 934258 | 3836 | SH |  | SOLE |  | 3836 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 5702556 | 23458 | SH |  | SOLE |  | 23458 | 0 | 0 |
| BLACKROCK INC | COM | 09290D101 |  | 535134 | 459 | SH |  | SOLE |  | 459 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 246517 | 3603 | SH |  | SOLE |  | 3603 | 0 | 0 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 297905 | 9481 | SH |  | SOLE |  | 9481 | 0 | 0 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 390751 | 4131 | SH |  | SOLE |  | 4131 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 4184873 | 4521 | SH |  | SOLE |  | 4521 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 834862 | 7405 | SH |  | SOLE |  | 7405 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1883902 | 2565 | SH |  | SOLE |  | 2565 | 0 | 0 |
| GLOBAL X FDS | DATA CTR  DIGIT | 37954Y236 |  | 560148 | 27351 | SH |  | SOLE |  | 27351 | 0 | 0 |
| ISHARES TR | MSCI INDIA ETF | 46429B598 |  | 4368989 | 83922 | SH |  | SOLE |  | 83922 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 5255614 | 16662 | SH |  | SOLE |  | 16662 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | CORE PLUS BD ETF | 46641Q670 |  | 11033171 | 232033 | SH |  | SOLE |  | 232033 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 345274 | 6806 | SH |  | SOLE |  | 6806 | 0 | 0 |
| MARATHON PETE CORP | COM | 56585A102 |  | 239769 | 1244 | SH |  | SOLE |  | 1244 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1100240 | 5897 | SH |  | SOLE |  | 5897 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 4718354 | 16777 | SH |  | SOLE |  | 16777 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 787325 | 4316 | SH |  | SOLE |  | 4316 | 0 | 0 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 5034326 | 187568 | SH |  | SOLE |  | 187568 | 0 | 0 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 357059 | 3825 | SH |  | SOLE |  | 3825 | 0 | 0 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 6385037 | 115399 | SH |  | SOLE |  | 115399 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 7917362 | 13247 | SH |  | SOLE |  | 13247 | 0 | 0 |
| SALESFORCE INC | COM | 79466L302 |  | 1641835 | 6915 | SH |  | SOLE |  | 6915 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 312177 | 702 | SH |  | SOLE |  | 702 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 4333469 | 54216 | SH |  | SOLE |  | 54216 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 3425748 | 10035 | SH |  | SOLE |  | 10035 | 0 | 0 |
| WISDOMTREE TR | EMER MKT HIGH FD | 97717W315 |  | 4031270 | 87655 | SH |  | SOLE |  | 87655 | 0 | 0 |

---