Waterford Advisors, LLC

ORCHARD PARK, NY · CIK 1960657 · 13F filing filed 2026-08-14

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

$366.5m reported value +16.2% vs Q1 2026

64positions

77.1%in top 10

10 new 22 added 11 reduced 3 sold out vs Q1 2026

Holdings, Q2 2026

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	93,087	$69.7m19.02%	19.02%	Added +1.6k	+1,625 1.8%
2	VANGUARD INDEX FDS VALUE ETF VTV	VTV	161,913	$35.3m9.63%	9.63%	Added +5.6k	+5,561 3.6%
3	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	385,700	$33.2m9.07%	9.07%	Added +10.6k	+10,580 2.8%
4	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	404,761	$28.8m7.87%	7.87%	Added +7.5k	+7,494 1.9%
5	DIMENSIONAL ETF TRUST NATL MUN BD ETF DFNM	DFNM	545,339	$28.8m7.85%	7.85%	Added +9.0k	+9,004 1.7%
6	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	702,414	$25.4m6.93%	6.93%	Added +17.7k	+17,728 2.6%
7	VANGUARD BD INDEX FDS SHORT TRM BOND BSV	BSV	421,601	$20.4m5.57%	5.57%	Added +25.5k	+25,519 6.4%
8	VANGUARD BD INDEX FDS LONG TERM BOND BLV	BLV	209,762	$16.3m4.46%	4.46%	Added +17.2k	+17,233 8.9%
9	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	211,867	$12.6m3.45%	3.45%	Added +4.9k	+4,903 2.4%
10	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	170,811	$11.8m3.21%	3.21%	Added +10.8k	+10,771 6.7%
11	DIMENSIONAL ETF TRUST US SMALL CAP VAL US SMALL CAP VAL		288,532	$11.4m3.12%	3.12%	Added +3.7k	+3,689 1.3%
12	SCHWAB STRATEGIC TR US REIT ETF SCHH	SCHH	429,163	$9.9m2.71%	2.71%	Added +26.7k	+26,653 6.6%
13	ISHARES TR GLOBAL REIT ETF REET	REET	356,526	$9.8m2.69%	2.69%	Added +14.0k	+14,019 4.1%
14	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	211,231	$5.9m1.60%	1.60%	Unchanged
15	VANGUARD INDEX FDS MCAP GR IDXVIP VOT	VOT	20,897	$5.7m1.56%	1.56%	Reduced -2.0k	-1,965 -8.6%
16	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	147,643	$5.1m1.40%	1.40%	Unchanged
17	COMMERCE BANCSHARES INC COM CBSH	CBSH	44,863	$3.0m0.82%	0.82%	Unchanged
18	RTX CORPORATION COM RTX	RTX	15,255	$2.9m0.79%	0.79%	Added +150	+150 1.0%
19	INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT RSP	RSP	13,024	$2.8m0.76%	0.76%	Reduced -502	-502 -3.7%
20	APPLE INC COM AAPL	AAPL	8,679	$2.5m0.69%	0.69%	Added +294	+294 3.5%
21	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	16,744	$1.6m0.44%	0.44%	Added +1	+1 0.0%
22	KEYCORP COM KEY	KEY	69,833	$1.6m0.44%	0.44%	Unchanged
23	PROGRESSIVE CORP COM PGR	PGR	6,780	$1.5m0.40%	0.40%	Reduced -276	-276 -3.9%
24	NVIDIA CORPORATION COM NVDA	NVDA	6,155	$1.2m0.34%	0.34%	Reduced -47	-47 -0.8%
25	SCHWAB STRATEGIC TR US LCAP VA ETF SCHV	SCHV	32,703	$1.2m0.32%	0.32%	Reduced -2.1k	-2,104 -6.0%
26	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	1,501	$1.1m0.31%	0.31%	Reduced -191	-191 -11.3%
27	VANGUARD INDEX FDS SMALL CP ETF VB	VB	3,634	$1.1m0.30%	0.30%	Reduced -20	-20 -0.6%
28	AMPHENOL CORP CL A APH	APH	5,959	$1.1m0.29%	0.29%	Unchanged
29	MICROSOFT CORP COM MSFT	MSFT	2,752	$1.0m0.28%	0.28%	Added +10	+10 0.4%
30	CARRIER GLOBAL CORPORATION COM CARR	CARR	13,381	$981.5k0.27%	0.27%	Unchanged
31	CATERPILLAR INC COM CAT	CAT	885	$942.4k0.26%	0.26%	Unchanged
32	JPMORGAN CHASE & CO COM JPM	JPM	2,367	$774.8k0.21%	0.21%	Added +154	+154 7.0%
33	ISHARES TR MSCI EAFE ETF EFA	EFA	6,995	$726.6k0.20%	0.20%	Reduced -1.8k	-1,751 -20.0%
34	ISHARES INC MSCI BRAZIL ETF EWZ	EWZ	3,388	$686.5k0.19%	0.19%	Unchanged
35	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	21,744	$629.7k0.17%	0.17%	Unchanged
36	BANCO SANTANDER S.A. ADR SAN	SAN	36,124	$498.5k0.14%	0.14%	New
37	OTIS WORLDWIDE CORP COM OTIS	OTIS	6,690	$479.0k0.13%	0.13%	Unchanged
38	HOME DEPOT INC COM HD	HD	1,313	$463.1k0.13%	0.13%	Unchanged
39	VISA INC COM CL A V	V	1,306	$448.1k0.12%	0.12%	Added +14	+14 1.1%
40	M & T BK CORP COM MTB	MTB	1,778	$423.2k0.12%	0.12%	New
41	SCHWAB STRATEGIC TR EMRG MKTEQ ETF SCHE	SCHE	11,780	$398.6k0.11%	0.11%	Unchanged
42	AMGEN INC COM AMGN	AMGN	1,000	$362.1k0.10%	0.10%	Unchanged
43	MERCK & CO INC COM MRK	MRK	2,778	$357.0k0.10%	0.10%	Unchanged
44	ADVANCED MICRO DEVICES INC COM AMD	AMD	588	$341.6k0.09%	0.09%	New
45	ISHARES TR MSCI EMG MKT ETF EEM	EEM	4,967	$339.8k0.09%	0.09%	Unchanged
46	META PLATFORMS INC CL A META	META	598	$336.9k0.09%	0.09%	Added +1	+1 0.2%
47	EXXON MOBIL CORP COM XOM	XOM	2,402	$328.5k0.09%	0.09%	Unchanged
48	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	9,987	$316.7k0.09%	0.09%	Unchanged
49	AMAZON COM INC COM AMZN	AMZN	1,292	$307.9k0.08%	0.08%	Added +51	+51 4.1%
50	SHERWIN WILLIAMS CO COM SHW	SHW	873	$300.6k0.08%	0.08%	Unchanged
51	JOHNSON & JOHNSON COM JNJ	JNJ	1,131	$287.2k0.08%	0.08%	Unchanged
52	TESLA INC COM TSLA	TSLA	657	$276.3k0.08%	0.08%	Reduced -62	-62 -8.6%
53	SOUTHERN CO COM SO	SO	2,671	$255.6k0.07%	0.07%	Unchanged
54	CURTISS WRIGHT CORP COM CW	CW	333	$252.3k0.07%	0.07%	Unchanged
55	CHEVRON CORP NEW COM CVX	CVX	1,497	$248.1k0.07%	0.07%	Added +68	+68 4.8%
56	APPLIED MATLS INC COM AMAT	AMAT	4,131	$235.4k0.06%	0.06%	New
57	ISHARES TR IBONDS DEC 29 IBDU	IBDU	9,894	$229.2k0.06%	0.06%	New
58	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	327	$224.6k0.06%	0.06%	Reduced -60	-60 -15.5%
59	BROADCOM INC COM AVGO	AVGO	589	$222.6k0.06%	0.06%	New
60	ABBVIE INC COM ABBV	ABBV	874	$219.9k0.06%	0.06%	New
61	ALPHABET INC CAP STK CL A GOOGL	GOOGL	604	$215.7k0.06%	0.06%	New
62	ISHARES TR ESG MSCI EM LDRS LDEM	LDEM	8,481	$205.4k0.06%	0.06%	Reduced -3.9k	-3,925 -31.6%
63	CISCO SYS INC COM CSCO	CSCO	1,731	$203.3k0.06%	0.06%	New
64	EIGHTCO HOLDINGS INC COM ORBS	ORBS	18,000	$12.5k0.00%	0.00%	New

Sold out since Q1 2026

Security	Ticker	Shares held before	Value then
BERKSHIRE HATHAWAY INC DEL BRK.A	BRK.A	3	$2.1m3 shares
ISHARES TR TECB	TECB	12,548	$304.0k12.5k shares
VUZIX CORP VUZI	VUZI	12,741	$26.4k12.7k shares