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Schwab is a registered broker-dealer, and is not affiliated with Arbor Investment Management or any advisor whose name appears on this Web site. Arbor Investment Management (Arbor Investment) is independently owned and operated. Schwab neither endorses nor recommends Arbor Investment Management, unless you have been referred to us through the Schwab Advisor Network®. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Arbor Investment under which Schwab provides Arbor Investment with services related to your account. Schwab does not review the Arbor Investment web site, and makes no representation regarding the content of the Web site and makes no representation regarding information contained in the Arbor Investment Management web site, which should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.

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Arbor Investment Management, LLC, is a registered investment adviser in the States of Michigan, Alaska, Colorado, Florida, Texas, and Washington. The adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption. (The most common exemption from registration are rules that allow advisory firms to have up to 5 clients in most, but not all, states before registration is required.)
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