Waterford Advisors, LLC

ORCHARD PARK, NY · CIK 1960657 · 13F filing filed 2023-07-31

SEC-registered investment adviser since 2004 · limited liability company

Assets managed$399.1m
Staff10 · 7 in investment roles
Main clients (by assets)High net worth individuals 86%, Individuals 14%
Websitewaterfordadv.com
Form ADV · 2026-03-31SEC adviser record

$207.7m reported value +12.4% vs Q1 2023

52positions

71.8%in top 10

4 new 14 added 18 reduced 3 sold out vs Q1 2023

Holdings, Q2 2023

The small lines show how much was held over the last 4 quarters (adjusted for stock splits).

#	Security	Ticker	Shares	Value	% of portfolio	Change	Shares change
1	ISHARES TR CORE S&P500 ETF IVV	IVV	79,134	$35.3m16.98%	16.98%	Added +1.9k	+1,916 2.5%
2	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	57,414	$16.2m7.82%	7.82%	Added +1.6k	+1,573 2.8%
3	SCHWAB STRATEGIC TR US AGGREGATE B SCHZ	SCHZ	333,643	$15.4m7.41%	7.41%	Added +12.8k	+12,753 4.0%
4	VANGUARD INDEX FDS VALUE ETF VTV	VTV	108,281	$15.4m7.41%	7.41%	Added +5.4k	+5,369 5.2%
5	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	313,038	$14.5m6.96%	6.96%	Added +13.3k	+13,292 4.4%
6	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	300,014	$13.1m6.33%	6.33%	Added +8.7k	+8,727 3.0%
7	VANGUARD CHARLOTTE FDS TOTAL INT BD ETF BNDX	BNDX	226,079	$11.1m5.32%	5.32%	Added +9.9k	+9,941 4.6%
8	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	261,831	$10.7m5.13%	5.13%	Added +9.6k	+9,551 3.8%
9	SCHWAB STRATEGIC TR FUNDAMENTAL INTL FNDF	FNDF	276,236	$8.9m4.29%	4.29%	Added +10.2k	+10,194 3.8%
10	ISHARES TR NATIONAL MUN ETF MUB	MUB	80,782	$8.6m4.15%	4.15%	New
11	SCHWAB STRATEGIC TR FUNDAMENTAL EMER FNDE	FNDE	229,750	$6.2m2.96%	2.96%	Added +8.6k	+8,598 3.9%
12	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	163,210	$5.8m2.80%	2.80%	Reduced -60	-60 -0.0%
13	VANGUARD WORLD FD MEGA CAP INDEX MGC	MGC	33,451	$5.2m2.52%	2.52%	Reduced -309	-309 -0.9%
14	ISHARES TR GLOBAL REIT ETF REET	REET	221,743	$5.1m2.45%	2.45%	Added +9.3k	+9,314 4.4%
15	SCHWAB STRATEGIC TR US LCAP VA ETF SCHV	SCHV	50,471	$3.4m1.63%	1.63%	Unchanged
16	SCHWAB STRATEGIC TR EMRG MKTEQ ETF SCHE	SCHE	130,650	$3.2m1.55%	1.55%	Added +33	+33 0.0%
17	INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT RSP	RSP	19,997	$3.0m1.44%	1.44%	Reduced -107	-107 -0.5%
18	ISHARES TR IBONDS DEC2023 IBONDS DEC2023		99,985	$2.5m1.23%	1.23%	Reduced -1.5k	-1,535 -1.5%
19	ISHARES TR IBONDS DEC24 ETF IBDP	IBDP	103,031	$2.5m1.22%	1.22%	Added +7.6k	+7,606 8.0%
20	ISHARES TR IBONDS DEC23 ETF IBONDS DEC23 ETF		98,940	$2.5m1.20%	1.20%	Added +179	+179 0.2%
21	COMMUNITY FINANCIAL SYSTEM I COM CBU	CBU	44,863	$2.1m1.01%	1.01%	New
22	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	22,517	$1.9m0.91%	0.91%	Unchanged
23	APPLE INC COM AAPL	AAPL	8,345	$1.6m0.78%	0.78%	Reduced -50	-50 -0.6%
24	RTX CORPORATION COM RTX	RTX	14,947	$1.5m0.70%	0.70%	Reduced -34	-34 -0.2%
25	AMPHENOL CORP CL A APH	APH	13,561	$1.2m0.55%	0.55%	Reduced -4.4k	-4,395 -24.5%
26	MICROSOFT CORP COM MSFT	MSFT	2,618	$892.0k0.43%	0.43%	Reduced -177	-177 -6.3%
27	VANGUARD INDEX FDS SMALL CP ETF VB	VB	3,824	$761.0k0.37%	0.37%	Reduced -27	-27 -0.7%
28	CARRIER GLOBAL CORPORATION COM CARR	CARR	13,381	$665.0k0.32%	0.32%	Unchanged
29	ISHARES INC MSCI WORLD ETF URTH	URTH	5,196	$647.0k0.31%	0.31%	Unchanged
30	ISHARES TR MSCI EAFE ETF EFA	EFA	8,868	$643.0k0.31%	0.31%	Unchanged
31	OTIS WORLDWIDE CORP COM OTIS	OTIS	6,690	$595.0k0.29%	0.29%	Unchanged
32	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	1,401	$571.0k0.27%	0.27%	Reduced -8	-8 -0.6%
33	SSGA ACTIVE ETF TR SPDR TR TACTIC TOTL	TOTL	13,041	$529.0k0.25%	0.25%	Unchanged
34	ISHARES TR IBONDS DEC IBONDS DEC		18,117	$467.0k0.22%	0.22%	Unchanged
35	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	8,061	$417.0k0.20%	0.20%	Unchanged
36	HOME DEPOT INC COM HD	HD	1,308	$406.0k0.20%	0.20%	Reduced -9	-9 -0.7%
37	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	914	$405.0k0.19%	0.19%	Reduced -234	-234 -20.4%
38	MERCK & CO INC COM MRK	MRK	3,208	$370.0k0.18%	0.18%	Unchanged
39	EXXON MOBIL CORP COM XOM	XOM	3,002	$322.0k0.16%	0.16%	Reduced -239	-239 -7.4%
40	ISHARES TR CORE MSCI TOTAL IXUS	IXUS	5,038	$315.0k0.15%	0.15%	Reduced -181	-181 -3.5%
41	ISHARES TR IBONDS DEC25 ETF IBDQ	IBDQ	12,323	$300.0k0.14%	0.14%	Unchanged
42	PATTERSON COS INC COM PDCO	PDCO	8,924	$297.0k0.14%	0.14%	Reduced -2.0k	-2,000 -18.3%
43	VISA INC COM CL A V	V	1,230	$292.0k0.14%	0.14%	Unchanged
44	JPMORGAN CHASE & CO COM JPM	JPM	1,792	$261.0k0.13%	0.13%	Reduced -22	-22 -1.2%
45	INVESTMENT MANAGERS SER TR I AXS 2X INVTN NEW TARK	TARK	3,500	$258.0k0.12%	0.12%	Reduced -800	-800 -18.6%
46	NEXTERA ENERGY INC COM NEE	NEE	3,448	$256.0k0.12%	0.12%	Reduced -39	-39 -1.1%
47	SOUTHERN CO COM SO	SO	3,536	$248.0k0.12%	0.12%	Unchanged
48	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	3,329	$242.0k0.12%	0.12%	Unchanged
49	SHERWIN WILLIAMS CO COM SHW	SHW	900	$239.0k0.12%	0.12%	Unchanged
50	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	3,145	$236.0k0.11%	0.11%	Unchanged
51	NVIDIA CORPORATION COM NVDA	NVDA	496	$210.0k0.10%	0.10%	New
52	POLESTAR AUTOMOTIVE HLDG UK ADS A ADS A		12,000	$46.0k0.02%	0.02%	New

Sold out since Q1 2023

Security	Ticker	Shares held before	Value then
AMGEN INC AMGN	AMGN	1,184	$286.0k1.2k shares
TESLA INC TSLA	TSLA	1,086	$225.0k1.1k shares
TITAN MED INC TMD	TMD	101,046	$13.0k101.0k shares