# EDGAR Filing Document

**Accession Number:** 0002009890
**File Stem:** 0001754960-25-000336
**Filing Date:** 2025-7
**Character Count:** 9067
**Document Hash:** e4238e60aa9a306571ce89b8b6d6a1da
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001754960-25-000336.hdr.sgml**: 20250710

**ACCESSION NUMBER**: 0001754960-25-000336

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250710

**DATE AS OF CHANGE**: 20250709

**EFFECTIVENESS DATE**: 20250710

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Arbor Wealth Advisors LLC
- **CENTRAL INDEX KEY:** 0002009890

**ORGANIZATION NAME:**
- **EIN:** 463972539
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23579
- **FILM NUMBER:** 251114616

**BUSINESS ADDRESS:**
- **STREET 1:** 101 W BIG BEAVER ROAD
- **STREET 2:** SUITE 1400
- **CITY:** TROY
- **STATE:** MI
- **ZIP:** 48084
- **BUSINESS PHONE:** 855-927-2679

**MAIL ADDRESS:**
- **STREET 1:** 101 W BIG BEAVER ROAD
- **STREET 2:** SUITE 1400
- **CITY:** TROY
- **STATE:** MI
- **ZIP:** 48084

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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 Wealth Advisors LLC<br>**Address:** 101 W BIG BEAVER ROAD<br>SUITE 1400<br>TROY, MI 48084

**Form 13F File Number:** 028-23579

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:** Aryn Sands<br>**Title:** Agent<br>**Phone:** 844-844-3453

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

Aryn Sands  Reno, NV  07-09-2025<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:** 54

**Form 13F Information Table Value Total:** $123254820

      (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 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 221364 | 1560 | SH |  | SOLE | 0 | 0 | 0 | 1560 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 360919 | 2048 | SH |  | SOLE | 0 | 0 | 0 | 2048 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 476824 | 2688 | SH |  | SOLE | 0 | 0 | 0 | 2688 |
| AMAZON COM INC | COM | 023135106 |  | 512934 | 2338 | SH |  | SOLE | 0 | 0 | 0 | 2338 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 1976424 | 21695 | SH |  | SOLE | 0 | 0 | 0 | 21695 |
| APPLE INC | COM | 037833100 |  | 340024 | 1657 | SH |  | SOLE | 0 | 0 | 0 | 1657 |
| APTIV PLC | COM SHS | G3265R107 |  | 1206402 | 17684 | SH |  | SOLE | 0 | 0 | 0 | 17684 |
| AT INC | COM | 00206R102 |  | 452361 | 15631 | SH |  | SOLE | 0 | 0 | 0 | 15631 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1794434 | 3694 | SH |  | SOLE | 0 | 0 | 0 | 3694 |
| BOEING CO | COM | 097023105 |  | 1097628 | 5239 | SH |  | SOLE | 0 | 0 | 0 | 5239 |
| BORGWARNER INC | COM | 099724106 |  | 3639879 | 108718 | SH |  | SOLE | 0 | 0 | 0 | 108718 |
| BROADCOM INC | COM | 11135F101 |  | 245329 | 890 | SH |  | SOLE | 0 | 0 | 0 | 890 |
| CATERPILLAR INC | COM | 149123101 |  | 946068 | 2437 | SH |  | SOLE | 0 | 0 | 0 | 2437 |
| COCA COLA CO | COM | 191216100 |  | 584749 | 8265 | SH |  | SOLE | 0 | 0 | 0 | 8265 |
| COGNIZANT TECHNOLOGY SOLUTIO | CL A | 192446102 |  | 751897 | 9636 | SH |  | SOLE | 0 | 0 | 0 | 9636 |
| CUSTOM TRUCK ONE SOURCE INC | COM CL A | 23204X103 |  | 75384 | 15260 | SH |  | SOLE | 0 | 0 | 0 | 15260 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 4149412 | 115776 | SH |  | SOLE | 0 | 0 | 0 | 115776 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 303578 | 4765 | SH |  | SOLE | 0 | 0 | 0 | 4765 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 213432 | 7267 | SH |  | SOLE | 0 | 0 | 0 | 7267 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 868558 | 20543 | SH |  | SOLE | 0 | 0 | 0 | 20543 |
| DT MIDSTREAM INC | COMMON STOCK | 23345M107 |  | 209269 | 1904 | SH |  | SOLE | 0 | 0 | 0 | 1904 |
| DTE ENERGY CO | COM | 233331107 |  | 504408 | 3808 | SH |  | SOLE | 0 | 0 | 0 | 3808 |
| EATON CORP PLC | SHS | G29183103 |  | 487648 | 1366 | SH |  | SOLE | 0 | 0 | 0 | 1366 |
| FORD MTR CO | COM | 345370860 |  | 403826 | 37219 | SH |  | SOLE | 0 | 0 | 0 | 37219 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 902688 | 3095 | SH |  | SOLE | 0 | 0 | 0 | 3095 |
| HOME DEPOT INC | COM | 437076102 |  | 535661 | 1461 | SH |  | SOLE | 0 | 0 | 0 | 1461 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 204283 | 693 | SH |  | SOLE | 0 | 0 | 0 | 693 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 490844 | 5337 | SH |  | SOLE | 0 | 0 | 0 | 5337 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 345794 | 3164 | SH |  | SOLE | 0 | 0 | 0 | 3164 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1893295 | 3049 | SH |  | SOLE | 0 | 0 | 0 | 3049 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 481850 | 1419 | SH |  | SOLE | 0 | 0 | 0 | 1419 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 370979 | 1910 | SH |  | SOLE | 0 | 0 | 0 | 1910 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 233519 | 550 | SH |  | SOLE | 0 | 0 | 0 | 550 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 240589 | 2882 | SH |  | SOLE | 0 | 0 | 0 | 2882 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 909738 | 3138 | SH |  | SOLE | 0 | 0 | 0 | 3138 |
| LEAR CORP | COM NEW | 521865204 |  | 1347861 | 14191 | SH |  | SOLE | 0 | 0 | 0 | 14191 |
| MICROSOFT CORP | COM | 594918104 |  | 1573308 | 3163 | SH |  | SOLE | 0 | 0 | 0 | 3163 |
| RTX CORPORATION | COM | 75513E101 |  | 347820 | 2382 | SH |  | SOLE | 0 | 0 | 0 | 2382 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2743563 | 4441 | SH |  | SOLE | 0 | 0 | 0 | 4441 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 505081 | 9650 | SH |  | SOLE | 0 | 0 | 0 | 9650 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 2570972 | 32668 | SH |  | SOLE | 0 | 0 | 0 | 32668 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 326164 | 4217 | SH |  | SOLE | 0 | 0 | 0 | 4217 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 29440929 | 166578 | SH |  | SOLE | 0 | 0 | 0 | 166578 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 6944213 | 35610 | SH |  | SOLE | 0 | 0 | 0 | 35610 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 534360 | 6000 | SH |  | SOLE | 0 | 0 | 0 | 6000 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 11931952 | 50350 | SH |  | SOLE | 0 | 0 | 0 | 50350 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 5537909 | 18221 | SH |  | SOLE | 0 | 0 | 0 | 18221 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 849773 | 1496 | SH |  | SOLE | 0 | 0 | 0 | 1496 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 3119729 | 23214 | SH |  | SOLE | 0 | 0 | 0 | 23214 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1159312 | 23439 | SH |  | SOLE | 0 | 0 | 0 | 23439 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1490497 | 7282 | SH |  | SOLE | 0 | 0 | 0 | 7282 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 21632975 | 313113 | SH |  | SOLE | 0 | 0 | 0 | 313113 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 2111992 | 37046 | SH |  | SOLE | 0 | 0 | 0 | 37046 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 654419 | 4909 | SH |  | SOLE | 0 | 0 | 0 | 4909 |

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