Waterford Advisors, LLC

ORCHARD PARK, NY · CIK 1960657 · 13F filing filed 2025-08-14

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

$270.8m reported value +12.4% vs Q1 2025

53positions

76.3%in top 10

4 new 24 added 25 reduced 2 sold out vs Q1 2025

Holdings, Q2 2025

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	3,208	$55.6m20.53%	20.53%	Reduced -83.0k	-83,007 -96.3%
2	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	1,280	$28.1m10.38%	10.38%	Reduced -60.8k	-60,795 -97.9%
3	VANGUARD INDEX FDS VALUE ETF VTV	VTV	3,709	$25.6m9.44%	9.44%	Reduced -137.3k	-137,341 -97.4%
4	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	873	$21.8m8.06%	8.06%	Reduced -372.0k	-372,017 -99.8%
5	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	40,803	$16.9m6.25%	6.25%	Reduced -597.3k	-597,284 -93.6%
6	VANGUARD CHARLOTTE FDS TOTAL INT BD ETF BNDX	BNDX	2,671	$16.6m6.15%	6.15%	Reduced -325.2k	-325,237 -99.2%
7	VANGUARD BD INDEX FDS SHORT TRM BOND BSV	BSV	4,967	$13.2m4.88%	4.88%	Reduced -156.0k	-156,003 -96.9%
8	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	1,357	$9.8m3.64%	3.64%	Reduced -189.7k	-189,693 -99.3%
9	VANGUARD BD INDEX FDS LONG TERM BOND BLV	BLV	44,863	$9.7m3.57%	3.57%	Reduced -86.8k	-86,848 -65.9%
10	SCHWAB STRATEGIC TR FUNDAMENTAL EMER FNDE	FNDE	213,080	$9.1m3.37%	3.37%	Reduced -57.6k	-57,636 -21.3%
11	SCHWAB STRATEGIC TR US AGGREGATE B SCHZ	SCHZ	13,381	$8.2m3.02%	3.02%	Reduced -331.9k	-331,904 -96.1%
12	ISHARES TR GLOBAL REIT ETF REET	REET	34,411	$7.5m2.76%	2.76%	Reduced -265.1k	-265,092 -88.5%
13	VANGUARD WORLD FD MEGA CAP INDEX MGC	MGC	877	$5.5m2.01%	2.01%	Reduced -23.4k	-23,448 -96.4%
14	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	167,951	$4.7m1.74%	1.74%	Reduced -45.2k	-45,234 -21.2%
15	SCHWAB STRATEGIC TR US LCAP VA ETF SCHV	SCHV	336,201	$4.1m1.53%	1.53%	Added +190.3k	+190,327 130.5%
16	ISHARES TR NATIONAL MUN ETF MUB	MUB	1,044	$3.6m1.33%	1.33%	Reduced -36.2k	-36,189 -97.2%
17	COMMUNITY FINANCIAL SYSTEM I COM CBU	CBU	64,107	$2.6m0.94%	0.94%	New
18	INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT RSP	RSP	762	$2.5m0.94%	0.94%	Reduced -14.7k	-14,747 -95.1%
19	BERKSHIRE HATHAWAY INC DEL CL A BRK.A	BRK.A	529,664	$2.2m0.81%	0.81%	Added +529.7k	+529,662 26483100.0%
20	RTX CORPORATION COM RTX	RTX	669,263	$2.2m0.81%	0.81%	Added +654.3k	+654,316 4377.6%
21	PROGRESSIVE CORP COM PGR	PGR	199,090	$1.9m0.70%	0.70%	New
22	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	3,688	$1.9m0.69%	0.69%	Reduced -17.2k	-17,219 -82.4%
23	APPLE INC COM AAPL	AAPL	276,491	$1.7m0.63%	0.63%	Added +268.2k	+268,175 3224.8%
24	MICROSOFT CORP COM MSFT	MSFT	1,268	$1.4m0.51%	0.51%	Reduced -1.5k	-1,510 -54.4%
25	SCHWAB STRATEGIC TR EMRG MKTEQ ETF SCHE	SCHE	3	$1.2m0.45%	0.45%	Reduced -49.9k	-49,928 -100.0%
26	CARRIER GLOBAL CORPORATION COM CARR	CARR	1,308	$979.4k0.36%	0.36%	Reduced -12.1k	-12,073 -90.2%
27	NVIDIA CORPORATION COM NVDA	NVDA	14,018	$928.3k0.34%	0.34%	Added +8.0k	+8,008 133.2%
28	VANGUARD INDEX FDS SMALL CP ETF VB	VB	3,827	$879.0k0.32%	0.32%	Added +178	+178 4.9%
29	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	22,944	$838.4k0.31%	0.31%	Added +21.6k	+21,564 1562.6%
30	ISHARES TR MSCI EAFE ETF EFA	EFA	2,778	$826.5k0.31%	0.31%	Reduced -6.5k	-6,468 -70.0%
31	OTIS WORLDWIDE CORP COM OTIS	OTIS	14,947	$662.4k0.24%	0.24%	Added +8.3k	+8,257 123.4%
32	JPMORGAN CHASE & CO COM JPM	JPM	5,876	$625.3k0.23%	0.23%	Added +3.7k	+3,719 172.4%
33	ISHARES INC MSCI WORLD ETF URTH	URTH	24,250	$624.7k0.23%	0.23%	Added +20.6k	+20,562 557.5%
34	AMPHENOL CORP CL A APH	APH	144,576	$620.5k0.23%	0.23%	New
35	META PLATFORMS INC CL A META	META	895	$562.4k0.21%	0.21%	Added +435	+435 94.7%
36	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	139,009	$546.8k0.20%	0.20%	Added +116.1k	+116,065 505.9%
37	HOME DEPOT INC COM HD	HD	2,157	$479.6k0.18%	0.18%	Added +849	+849 64.9%
38	VISA INC COM CL A V	V	20,908	$454.5k0.17%	0.17%	Added +19.6k	+19,628 1533.4%
39	ISHARES TR IBONDS DEC25 ETF IBDQ	IBDQ	3,133	$429.5k0.16%	0.16%	Reduced -13.8k	-13,814 -81.5%
40	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	9,987	$367.5k0.14%	0.14%	Reduced -2.6k	-2,593 -20.6%
41	CATERPILLAR INC COM CAT	CAT	8,316	$340.5k0.13%	0.13%	Added +7.4k	+7,439 848.2%
42	SHERWIN WILLIAMS CO COM SHW	SHW	149,374	$299.8k0.11%	0.11%	Added +148.5k	+148,501 17010.4%
43	EXXON MOBIL CORP COM XOM	XOM	17,058	$291.3k0.11%	0.11%	Added +14.4k	+14,356 531.3%
44	AMGEN INC COM AMGN	AMGN	459	$290.7k0.11%	0.11%	Reduced -582	-582 -55.9%
45	NATIONAL FUEL GAS CO COM NFG	NFG	3,027	$265.4k0.10%	0.10%	Added +27	+27 0.9%
46	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	12,580	$264.7k0.10%	0.10%	Added +2.6k	+2,593 26.0%
47	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	722	$260.7k0.10%	0.10%	Added +115	+115 18.9%
48	MERCK & CO INC COM MRK	MRK	6,690	$253.9k0.09%	0.09%	Added +3.5k	+3,482 108.5%
49	SOUTHERN CO COM SO	SO	351,703	$245.3k0.09%	0.09%	Added +349.0k	+349,032 13067.5%
50	ISHARES TR MSCI EMG MKT ETF EEM	EEM	1,041	$239.6k0.09%	0.09%	Reduced -3.9k	-3,926 -79.0%
51	TESLA INC COM TSLA	TSLA	2,702	$229.4k0.08%	0.08%	New
52	AMAZON COM INC COM AMZN	AMZN	9,246	$229.0k0.08%	0.08%	Added +8.2k	+8,181 768.2%
53	PROCTER AND GAMBLE CO COM PG	PG	6,284	$202.0k0.07%	0.07%	Added +5.0k	+5,016 395.6%

Sold out since Q1 2025

Security	Ticker	Shares held before	Value then
SSGA ACTIVE ETF TR TOTL	TOTL	7,271	$292.9k7.3k shares
ABBVIE INC ABBV	ABBV	959	$200.9k959 shares