Waterford Advisors, LLC

CIK

1960657

Location

ORCHARD PARK, NY

Portfolio Value

Micro $54,181,236

Diversification

Highly concentrated

Filing Date

Global Rank

#6,860 / 8,517 ▲ 457

Top Industry

Banks - Regional 20.0%

3Y Alpha vs SPY

-2.1%

Period ended 46 days ago

Filed Aug 14, 2026 · 1d

15 quarters · since Dec 2022

Clone Performance

Aug 2023–Aug 2026 · vs SPY

Hypothetical growth of buying every stock this filer reported holding, rebalancing on each filing and indexed to the same start. Option positions cannot be bought this way and are left out.

Cloned portfolio

+66.3%

SPY

+75.3%

Annualised alpha

-2.1%

Max drawdown

−13.7%

Estimate. 13F holdings are quarter-lagged, so the clone rebalances about 45 days after each period end — when the filing becomes public — and it excludes option and short positions. Returns use comparable raw closes and exclude dividends; a captured split can shorten the simulated window. It tracks 100% of reported value on average across 13 quarters. Past performance does not predict future results.

Portfolio Concentration

37 tracked positions · as of Jun 30, 2026 · Δ vs Mar 31, 2026

Top Position

53.2%

+0.7 pts

Top 5

71.0%

−0.9 pts

Top 10

82.0%

−2.3 pts

HHI

2,956

Highly concentrated+59

Portfolio Trend

15 quarters · across all stocks

Sector Breakdown

As of Jun 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	57.3%	$31,061,660	3
Financial Services	14.4%	$7,826,136	7
Technology	10.7%	$5,772,235	8
Industrials	10.2%	$5,549,601	5
Healthcare	2.3%	$1,226,266	4
Consumer Cyclical	2.0%	$1,059,865	4
Energy	1.1%	$576,543	2
Communication Services	1.0%	$552,698	2
Basic Materials	0.6%	$300,591	1
Utilities	0.5%	$255,641	1

Last Quarter's Activity

Export CSV

Jun 30, 2026 vs Mar 31, 2026

Added To

Positions the filer increased

9 positions

Ticker	Company	Δ Shares	Shares	Value
VEA	Vanguard FTSE Developed Markets ETF	+7,494	404,761	$28,839,221
AAPL	Apple Inc.	+294	8,679	$2,511,355
JPM	Jpmorgan Chase & Co	+154	2,367	$774,790
RTX	RTX Corp	+150	15,255	$2,894,331
CVX	Chevron Corp	+68	1,497	$248,142
AMZN	Amazon Com Inc	+51	1,292	$307,935
V	Visa Inc.	+14	1,306	$448,075
MSFT	Microsoft Corp	+10	2,752	$1,026,551
META	Meta Platforms, Inc.	+1	598	$336,847
No positions match the current search.

Trimmed

Positions the filer reduced

5 positions

Ticker	Company	Δ Shares	Shares	Value
PGR	Progressive Corp/Oh/	−276	6,780	$1,481,091
SPY	Spdr S&P 500 ETF Trust	−191	1,501	$1,120,901
TSLA	Tesla, Inc.	−62	657	$276,334
NVDA	Nvidia Corp	−47	6,155	$1,231,553
VB	Vanguard Morningstar Small-Cap ETF	−20	3,634	$1,101,538
No positions match the current search.

New Positions

Positions the filer opened this quarter

9 positions

Ticker	Company	Shares	Value
SAN	Banco Santander, S.A.	36,124	$498,511
MTB	M&T Bank Corp	1,778	$423,181
AMD	Advanced Micro Devices Inc	588	$341,575
AMAT	Applied Materials Inc /De	4,131	$235,384
AVGO	Broadcom Inc.	589	$222,494
ABBV	AbbVie Inc.	874	$219,933
GOOGL	Alphabet Inc.	604	$215,851
CSCO	Cisco Systems, Inc.	1,731	$203,323
ORBS	Eightco Holdings Inc.	18,000	$12,528
No positions match the current search.

Sold Out

Positions the filer fully exited

2 positions

Ticker	Company	Shares	Value
BRK-B	Berkshire Hathaway Inc	3	$2,154,420
VUZI	Vuzix Corp	12,741	$29,431
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

37 tracked positions · $54,181,236 total · filing declares 64 positions · $366,466,175 · as of Jun 30, 2026

All sectors Basic Materials Communication Services Consumer Cyclical Energy Financial Services Healthcare Industrials Technology Utilities

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
VEA	Vanguard FTSE Developed Markets ETF	Added	404,761	+7,494	$28,839,221	+13.3%	53.23%
RTX	RTX Corp Industrials	Added	15,255	+150	$2,894,331	−0.7%	5.34%
CBSH	Commerce Bancshares Inc /Mo/ Financial Services	Held	44,863	0	$2,590,838	+17.4%	4.78%
AAPL	Apple Inc. Technology	Added	8,679	+294	$2,511,355	+18.0%	4.64%
KEY	Keycorp /New/ Financial Services	Held	69,833	0	$1,609,650	+15.0%	2.97%
PGR	Progressive Corp/Oh/ Financial Services	Reduced	6,780	-276	$1,481,091	+5.9%	2.73%
NVDA	Nvidia Corp Technology	Reduced	6,155	-47	$1,231,553	+13.9%	2.27%
SPY	Spdr S&P 500 ETF Trust	Reduced	1,501	-191	$1,120,901	+1.9%	2.07%
VB	Vanguard Morningstar Small-Cap ETF	Reduced	3,634	-20	$1,101,538	+15.1%	2.03%
MSFT	Microsoft Corp Technology	Added	2,752	+10	$1,026,551	+1.1%	1.89%
CARR	CARRIER GLOBAL Corp Industrials	Held	13,381	0	$981,496	+30.3%	1.81%
CAT	Caterpillar Inc Industrials	Held	885	0	$942,436	+50.3%	1.74%
JPM	Jpmorgan Chase & Co Financial Services	Added	2,367	+154	$774,790	+19.0%	1.43%
SAN	Banco Santander, S.A. Financial Services	NEW	36,124	NEW	$498,511	NEW	0.92%
OTIS	Otis Worldwide Corp Industrials	Held	6,690	0	$479,004	−7.1%	0.88%
HD	Home Depot, Inc. Consumer Cyclical	Held	1,313	0	$463,068	+7.2%	0.85%
V	Visa Inc. Financial Services	Added	1,306	+14	$448,075	+14.7%	0.83%
MTB	M&T Bank Corp Financial Services	NEW	1,778	NEW	$423,181	NEW	0.78%
AMGN	Amgen Inc Healthcare	Held	1,000	0	$362,120	+2.9%	0.67%
MRK	Merck & Co., Inc. Healthcare	Held	2,778	0	$356,973	+6.8%	0.66%
AMD	Advanced Micro Devices Inc Technology	NEW	588	NEW	$341,575	NEW	0.63%
META	Meta Platforms, Inc. Communication Services	Added	598	+1	$336,847	−1.4%	0.62%
XOM	ExxonMobil Holdings Corp Energy	Held	2,402	0	$328,401	−19.4%	0.61%
AMZN	Amazon Com Inc Consumer Cyclical	Added	1,292	+51	$307,935	+19.1%	0.57%
SHW	Sherwin Williams Co Basic Materials	Held	873	0	$300,591	+7.4%	0.55%
JNJ	Johnson & Johnson Healthcare	Held	1,131	0	$287,240	+3.9%	0.53%
TSLA	Tesla, Inc. Consumer Cyclical	Reduced	657	-62	$276,334	+3.4%	0.51%
SO	Southern Co Utilities	Held	2,671	0	$255,641	−0.8%	0.47%
CW	Curtiss Wright Corp Industrials	Held	333	0	$252,334	+11.3%	0.47%
CVX	Chevron Corp Energy	Added	1,497	+68	$248,142	−16.1%	0.46%
AMAT	Applied Materials Inc /De Technology	NEW	4,131	NEW	$235,384	NEW	0.43%
AVGO	Broadcom Inc. Technology	NEW	589	NEW	$222,494	NEW	0.41%
ABBV	AbbVie Inc. Healthcare	NEW	874	NEW	$219,933	NEW	0.41%
GOOGL	Alphabet Inc. Communication Services	NEW	604	NEW	$215,851	NEW	0.40%
CSCO	Cisco Systems, Inc. Technology	NEW	1,731	NEW	$203,323	NEW	0.38%
ORBS	Eightco Holdings Inc. Consumer Cyclical	NEW	18,000	NEW	$12,528	NEW	0.02%
APH	Amphenol Corp /De/ Technology	Held	5,959	0	$0	—	0.00%

Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.