Waterford Advisors, LLC

ORCHARD PARK, NY · CIK 1960657 · 13F filing filed 2024-08-14

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

$238.5m reported value +1.2% vs Q1 2024

54positions

74.4%in top 10

2 new 20 added 11 reduced 3 sold out vs Q1 2024

Holdings, Q2 2024

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	81,250	$44.5m18.64%	18.64%	Added +1.4k	+1,400 1.8%
2	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	59,435	$22.2m9.32%	9.32%	Added +362	+362 0.6%
3	VANGUARD INDEX FDS VALUE ETF VTV	VTV	126,553	$20.3m8.51%	8.51%	Added +1.4k	+1,380 1.1%
4	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	327,767	$16.2m6.79%	6.79%	Added +3.5k	+3,482 1.1%
5	SCHWAB STRATEGIC TR FUNDAMENTAL INTL FNDF	FNDF	443,932	$15.6m6.52%	6.52%	Added +8.5k	+8,496 1.9%
6	VANGUARD CHARLOTTE FDS TOTAL INT BD ETF BNDX	BNDX	293,784	$14.3m5.99%	5.99%	Added +2.9k	+2,906 1.0%
7	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	299,281	$14.2m5.95%	5.95%	Added +2.7k	+2,657 0.9%
8	VANGUARD BD INDEX FDS SHORT TRM BOND BSV	BSV	150,401	$11.5m4.84%	4.84%	Added +3.8k	+3,838 2.6%
9	SCHWAB STRATEGIC TR US AGGREGATE B SCHZ	SCHZ	234,842	$10.7m4.49%	4.49%	Reduced -1.5k	-1,481 -0.6%
10	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	182,937	$8.0m3.36%	3.36%	Reduced -4.4k	-4,438 -2.4%
11	SCHWAB STRATEGIC TR FUNDAMENTAL EMER FNDE	FNDE	259,243	$7.7m3.21%	3.21%	Added +4.2k	+4,212 1.6%
12	ISHARES TR NATIONAL MUN ETF MUB	MUB	62,366	$6.6m2.79%	2.79%	Reduced -1.2k	-1,237 -1.9%
13	ISHARES TR GLOBAL REIT ETF REET	REET	259,385	$6.0m2.53%	2.53%	Added +6.4k	+6,376 2.5%
14	VANGUARD WORLD FD MEGA CAP INDEX MGC	MGC	26,162	$5.2m2.16%	2.16%	Reduced -70	-70 -0.3%
15	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	131,486	$5.1m2.12%	2.12%	Reduced -60	-60 -0.1%
16	SCHWAB STRATEGIC TR US LCAP VA ETF SCHV	SCHV	50,963	$3.8m1.58%	1.58%	Added +260	+260 0.5%
17	ISHARES TR IBONDS DEC24 ETF IBDP	IBDP	108,373	$2.7m1.14%	1.14%	Added +327	+327 0.3%
18	INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT RSP	RSP	16,312	$2.7m1.12%	1.12%	Reduced -615	-615 -3.6%
19	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	21,828	$1.8m0.77%	0.77%	Unchanged
20	APPLE INC COM AAPL	AAPL	8,371	$1.8m0.74%	0.74%	Added +22	+22 0.3%
21	SCHWAB STRATEGIC TR EMRG MKTEQ ETF SCHE	SCHE	60,186	$1.6m0.67%	0.67%	Reduced -1.1k	-1,122 -1.8%
22	RTX CORPORATION COM RTX	RTX	14,947	$1.5m0.63%	0.63%	Unchanged
23	MICROSOFT CORP COM MSFT	MSFT	2,612	$1.2m0.49%	0.49%	Added +15	+15 0.6%
24	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	15,106	$1.1m0.45%	0.45%	Added +4.9k	+4,897 48.0%
25	CARRIER GLOBAL CORPORATION COM CARR	CARR	13,381	$844.1k0.35%	0.35%	Unchanged
26	VANGUARD INDEX FDS SMALL CP ETF VB	VB	3,797	$827.9k0.35%	0.35%	Unchanged
27	NVIDIA CORPORATION COM NVDA	NVDA	6,610	$816.6k0.34%	0.34%	Added +650	+650 10.9%
28	ISHARES INC MSCI WORLD ETF URTH	URTH	4,641	$684.5k0.29%	0.29%	Unchanged
29	ISHARES TR MSCI EAFE ETF EFA	EFA	8,460	$662.7k0.28%	0.28%	Unchanged
30	OTIS WORLDWIDE CORP COM OTIS	OTIS	6,690	$644.0k0.27%	0.27%	Unchanged
31	SSGA ACTIVE ETF TR SPDR TR TACTIC TOTL	TOTL	13,041	$518.0k0.22%	0.22%	Unchanged
32	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	914	$497.4k0.21%	0.21%	Unchanged
33	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	7,648	$480.8k0.20%	0.20%	Unchanged
34	ISHARES TR IBONDS DEC IBONDS DEC		17,584	$458.0k0.19%	0.19%	Reduced -195	-195 -1.1%
35	JPMORGAN CHASE & CO COM JPM	JPM	2,257	$456.5k0.19%	0.19%	Added +100	+100 4.6%
36	HOME DEPOT INC COM HD	HD	1,308	$450.3k0.19%	0.19%	Unchanged
37	MERCK & CO INC COM MRK	MRK	3,208	$397.1k0.17%	0.17%	Unchanged
38	NATIONAL FUEL GAS CO COM NFG	NFG	6,690	$362.5k0.15%	0.15%	New
39	VISA INC COM CL A V	V	1,330	$349.1k0.15%	0.15%	Added +100	+100 8.1%
40	AMGEN INC COM AMGN	AMGN	1,041	$325.3k0.14%	0.14%	Unchanged
41	EXXON MOBIL CORP COM XOM	XOM	2,802	$322.6k0.14%	0.14%	Unchanged
42	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	3,145	$317.1k0.13%	0.13%	Unchanged
43	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	596	$298.1k0.12%	0.12%	Added +5	+5 0.8%
44	ISHARES TR IBONDS DEC25 ETF IBDQ	IBDQ	11,771	$292.6k0.12%	0.12%	Added +20	+20 0.2%
45	CATERPILLAR INC COM CAT	CAT	877	$292.1k0.12%	0.12%	Unchanged
46	SHERWIN WILLIAMS CO COM SHW	SHW	873	$260.5k0.11%	0.11%	Reduced -120	-120 -12.1%
47	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	3,329	$258.9k0.11%	0.11%	Unchanged
48	PROCTER AND GAMBLE CO COM PG	PG	1,468	$242.2k0.10%	0.10%	Unchanged
49	SOUTHERN CO COM SO	SO	3,091	$239.8k0.10%	0.10%	Unchanged
50	META PLATFORMS INC CL A META	META	460	$231.9k0.10%	0.10%	Reduced -496	-496 -51.9%
51	ISHARES TR MSCI EMG MKT ETF EEM	EEM	5,042	$214.7k0.09%	0.09%	Unchanged
52	BANK AMERICA CORP COM BAC	BAC	5,313	$211.3k0.09%	0.09%	Reduced -280	-280 -5.0%
53	JOHNSON & JOHNSON COM JNJ	JNJ	1,437	$210.1k0.09%	0.09%	Unchanged
54	AMAZON COM INC COM AMZN	AMZN	1,072	$207.2k0.09%	0.09%	New

Sold out since Q1 2024

Security	Ticker	Shares held before	Value then
COMMUNITY FINANCIAL SYSTEM I CBU	CBU	44,863	$2.2m44.9k shares
AMPHENOL CORP APH	APH	10,940	$631.0k10.9k shares
PEPSICO INC PEP	PEP	1,183	$207.0k1.2k shares