# EDGAR Filing Document

**Accession Number:** 0001797135
**File Stem:** 0001951757-26-000372
**Filing Date:** 2026-2
**Character Count:** 11763
**Document Hash:** a9023afac1dec96d65be4cddbc40ba7c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-26-000372.hdr.sgml**: 20260205

**ACCESSION NUMBER**: 0001951757-26-000372

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260205

**DATE AS OF CHANGE**: 20260205

**EFFECTIVENESS DATE**: 20260205

**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:** 26602647

**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:** 12-31-2025

**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  02-05-2026<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:** 82

**Form 13F Information Table Value Total:** $228668664

      (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 |
| APPLE INC | COM | 037833100 |  | 8721322 | 32080 | SH |  | SOLE |  | 31165 | 0 | 915 |
| ABBVIE INC | COM | 00287Y109 |  | 10212184 | 44694 | SH |  | SOLE |  | 43279 | 0 | 1415 |
| ABBOTT LABS | COM | 002824100 |  | 5843689 | 46641 | SH |  | SOLE |  | 45571 | 0 | 1070 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 4659570 | 46652 | SH |  | SOLE |  | 45153 | 0 | 1499 |
| APPLIED MATLS INC | COM | 038222105 |  | 1348170 | 5246 | SH |  | SOLE |  | 4526 | 0 | 720 |
| AMGEN INC | COM | 031162100 |  | 202932 | 620 | SH |  | SOLE |  | 620 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 734935 | 3184 | SH |  | SOLE |  | 2074 | 0 | 1110 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 672199 | 1817 | SH |  | SOLE |  | 1187 | 0 | 630 |
| BANK AMERICA CORP | COM | 060505104 |  | 401555 | 7301 | SH |  | SOLE |  | 6051 | 0 | 1250 |
| BLACKROCK INC | COM | 09290D101 |  | 481653 | 450 | SH |  | SOLE |  | 450 | 0 | 0 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 419921 | 4492 | SH |  | SOLE |  | 4492 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 542862 | 1080 | SH |  | SOLE |  | 1080 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 3159378 | 5515 | SH |  | SOLE |  | 5165 | 0 | 350 |
| CUMMINS INC | COM | 231021106 |  | 699316 | 1370 | SH |  | SOLE |  | 1220 | 0 | 150 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 226723 | 2422 | SH |  | SOLE |  | 1912 | 0 | 510 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 3895381 | 4517 | SH |  | SOLE |  | 4257 | 0 | 260 |
| SALESFORCE INC | COM | 79466L302 |  | 1812389 | 6831 | SH |  | SOLE |  | 6286 | 0 | 545 |
| CISCO SYS INC | COM | 17275R102 |  | 213989 | 2778 | SH |  | SOLE |  | 2778 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 2097947 | 13765 | SH |  | SOLE |  | 12815 | 0 | 950 |
| WISDOMTREE TR | EMER MKT HIGH FD | 97717W315 |  | 7117035 | 152132 | SH |  | SOLE |  | 140198 | 0 | 11934 |
| DANAHER CORPORATION | COM | 235851102 |  | 696660 | 3039 | SH |  | SOLE |  | 3039 | 0 | 0 |
| GLOBAL X FDS | DATA CTR  DIGIT | 37954Y236 |  | 651411 | 30676 | SH |  | SOLE |  | 18136 | 0 | 12540 |
| DTE ENERGY CO | COM | 233331107 |  | 879650 | 6759 | SH |  | SOLE |  | 6759 | 0 | 0 |
| DT MIDSTREAM INC | COMMON STOCK | 23345M107 |  | 410544 | 3407 | SH |  | SOLE |  | 3407 | 0 | 0 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 301213 | 2570 | SH |  | SOLE |  | 2570 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 212570 | 3885 | SH |  | SOLE |  | 3885 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 10277779 | 107027 | SH |  | SOLE |  | 92246 | 0 | 14781 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1079786 | 3441 | SH |  | SOLE |  | 3441 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 7124331 | 22761 | SH |  | SOLE |  | 21216 | 0 | 1545 |
| HOME DEPOT INC | COM | 437076102 |  | 404318 | 1175 | SH |  | SOLE |  | 925 | 0 | 250 |
| HONEYWELL INTL INC | COM | 438516106 |  | 1121963 | 5751 | SH |  | SOLE |  | 5246 | 0 | 505 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1269556 | 4286 | SH |  | SOLE |  | 3786 | 0 | 500 |
| ISHARES TR | SELECT US REIT | 464287564 |  | 3697501 | 61966 | SH |  | SOLE |  | 57171 | 0 | 4795 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 500587 | 7447 | SH |  | SOLE |  | 7188 | 0 | 259 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 2682711 | 40647 | SH |  | SOLE |  | 40647 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1486102 | 12366 | SH |  | SOLE |  | 12366 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 3489801 | 5095 | SH |  | SOLE |  | 4575 | 0 | 520 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 432480 | 3509 | SH |  | SOLE |  | 3509 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 2940785 | 11947 | SH |  | SOLE |  | 11860 | 0 | 87 |
| J P MORGAN EXCHANGE TRADED F | CORE PLUS BD ETF | 46641Q670 |  | 11363395 | 239028 | SH |  | SOLE |  | 232347 | 0 | 6681 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 869397 | 4201 | SH |  | SOLE |  | 3701 | 0 | 500 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 5183470 | 16087 | SH |  | SOLE |  | 14715 | 0 | 1372 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 246733 | 4860 | SH |  | SOLE |  | 4265 | 0 | 595 |
| COCA COLA CO | COM | 191216100 |  | 790333 | 11305 | SH |  | SOLE |  | 10055 | 0 | 1250 |
| ELI LILLY  CO | COM | 532457108 |  | 2419115 | 2251 | SH |  | SOLE |  | 2006 | 0 | 245 |
| LOWES COS INC | COM | 548661107 |  | 1095071 | 4541 | SH |  | SOLE |  | 4391 | 0 | 150 |
| MCDONALDS CORP | COM | 580135101 |  | 1976815 | 6468 | SH |  | SOLE |  | 6153 | 0 | 315 |
| MICROCHIP TECHNOLOGY INC. | COM | 595017104 |  | 277182 | 4350 | SH |  | SOLE |  | 3850 | 0 | 500 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 6196571 | 10234 | SH |  | SOLE |  | 9554 | 0 | 680 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1690042 | 2560 | SH |  | SOLE |  | 2285 | 0 | 275 |
| MARATHON PETE CORP | COM | 56585A102 |  | 202312 | 1244 | SH |  | SOLE |  | 1244 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 5996684 | 12400 | SH |  | SOLE |  | 11765 | 0 | 635 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1099709 | 5897 | SH |  | SOLE |  | 3952 | 0 | 1945 |
| ORACLE CORP | COM | 68389X105 |  | 3169872 | 16263 | SH |  | SOLE |  | 15863 | 0 | 400 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 1384263 | 7515 | SH |  | SOLE |  | 6365 | 0 | 1150 |
| PEPSICO INC | COM | 713448108 |  | 646795 | 4462 | SH |  | SOLE |  | 4212 | 0 | 250 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1864856 | 13013 | SH |  | SOLE |  | 12073 | 0 | 940 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 743173 | 4181 | SH |  | SOLE |  | 2081 | 0 | 2100 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 6031736 | 224982 | SH |  | SOLE |  | 203116 | 0 | 21866 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 5089260 | 178696 | SH |  | SOLE |  | 158734 | 0 | 19962 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 344879 | 10531 | SH |  | SOLE |  | 10531 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 16758683 | 697117 | SH |  | SOLE |  | 661934 | 0 | 35183 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 10908556 | 334413 | SH |  | SOLE |  | 325342 | 0 | 9071 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 7775221 | 258571 | SH |  | SOLE |  | 241699 | 0 | 16872 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 3106640 | 104919 | SH |  | SOLE |  | 104919 | 0 | 0 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 1222927 | 12240 | SH |  | SOLE |  | 11040 | 0 | 1200 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 7397508 | 274898 | SH |  | SOLE |  | 267885 | 0 | 7013 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 296993 | 3586 | SH |  | SOLE |  | 3586 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 6666517 | 117348 | SH |  | SOLE |  | 113130 | 0 | 4218 |
| STRYKER CORPORATION | COM | 863667101 |  | 4020601 | 11411 | SH |  | SOLE |  | 10806 | 0 | 605 |
| TJX COS INC NEW | COM | 872540109 |  | 3478806 | 22647 | SH |  | SOLE |  | 21547 | 0 | 1100 |
| TESLA INC | COM | 88160R101 |  | 290953 | 647 | SH |  | SOLE |  | 647 | 0 | 0 |
| UNITED RENTALS INC | COM | 911363109 |  | 331821 | 410 | SH |  | SOLE |  | 155 | 0 | 255 |
| VISA INC | COM CL A | 92826C839 |  | 3497982 | 9974 | SH |  | SOLE |  | 9479 | 0 | 495 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 591953 | 2795 | SH |  | SOLE |  | 2295 | 0 | 500 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 4472225 | 56092 | SH |  | SOLE |  | 53972 | 0 | 2120 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 291511 | 465 | SH |  | SOLE |  | 465 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 3735758 | 69490 | SH |  | SOLE |  | 61215 | 0 | 8275 |
| WEC ENERGY GROUP INC | COM | 92939U106 |  | 329035 | 3120 | SH |  | SOLE |  | 3120 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 398514 | 3577 | SH |  | SOLE |  | 3577 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 840652 | 6986 | SH |  | SOLE |  | 6811 | 0 | 175 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 451247 | 735 | SH |  | SOLE |  | 735 | 0 | 0 |

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