Waterford Advisors, LLC

Registered adviser

CIK

1960657

Location

ORCHARD PARK, NY

Portfolio Value

Small $375,155,915

Diversification

Diversified

Filing Date

Global Rank

#4,587 / 8,827 ▼ 17

Top Industry

Banks - Regional 19.1%

Period ended 4 months ago

Filed Aug 14, 2026 · 3mo

15 quarters · since Dec 2022

Regulatory profile

From Form ADV, the SEC filer profile, 13D/13G type codes and N-CEN, never from the name.

Holder type

Registered adviser

Form ADV roster, Nov 1, 2026

Form ADV adviser

CRD 119442

Roster of Nov 1, 2026

Regulatory AUM

$399,125,492

Main clients

Individuals and high net worth (100% of AUM)

Form ADV history

Monthly rosters from Dec 2019; each row is a run with the same figures, newest first.

Rosters	Regulatory AUM	Main clients
Apr 2026 to Nov 2026	$399,125,492	Individuals and high net worth (100%)
Apr 2025 to Mar 2026	$337,296,542	Individuals and high net worth (100%)
Mar 2024 to Mar 2025	$300,330,770	Individuals and high net worth (100%)
May 2023 to Feb 2024	$268,906,449	Individuals and high net worth (100%)
Apr 2023	$268,906,449	Individuals and high net worth (100%)
Mar 2022 to Mar 2023	$363,939,463	Individuals and high net worth (88%)

3 earlier changes not shown.

Portfolio style

Measured from the filed 13F common-share book for Jun 30, 2026, never from the firm's own description.

Style

Concentrated

The top 10 positions are 94.2% of the book (60%+)

Turnover

Low turnover

29.6% over the last four quarters (under 30%)

Horizon

Medium horizon

Value-weighted holding period 9.7 quarters (4 to under 12)

Closest benchmark: every 13F filer's combined book, active share 88.2%; sector active share 80.7% against the combined 13F book's sector weights.

Over time 15 measured quarters

How the bands are measured

Style bands measure the filed 13F common-share book each closed quarter, tested in this order. Unknown: under $10,000,000 of valued equity or 5 stocks. Index-like (100+ stocks): active share of 20% or less against the closest benchmark, which is the S&P 500, S&P MidCap 400, S&P SmallCap 600, Russell 1000, Russell 2000, Nasdaq-100 or Dow Jones Industrial Average (weighted by an index-tracking fund's reported holdings or the index's constituents nearest the quarter end, over the names resolved to companies, and only when those are 90%+ of its weight) or every 13F filer's combined book, or index series holding 80%+ of the registered fund assets it advises (N-CEN) and equal to 50%+ of its book. Systematic-like: 500+ stocks, 100%+ annual turnover and a top 10 weight of 25% or less. Concentrated: a top 10 weight of 60%+ or 12 or fewer effective positions. Diversified active: none of these. Turnover is the smaller of buys and sells over average equity value, summed over four quarters: low under 30%, high 100%+. Horizon is the value-weighted number of quarters each position has been held: short under 4, long 12+.

Clone Performance

Build a hypothetical price-return history from this filer's public 13F holdings.

View clone backtest

Portfolio Concentration

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

Top Position

21.6%

+0.3 pts

Top 5

80.9%

+0.2 pts

Top 10

94.2%

+0.1 pts

HHI

1,478

Diversified+17

Portfolio Trend

15 quarters · across all stocks

Sector Breakdown

As of Jun 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	93.6%	$350,985,649	30
Financial Services	2.1%	$7,826,136	7
Technology	1.8%	$6,822,925	8
Industrials	1.5%	$5,549,601	5
Healthcare	0.3%	$1,226,266	4
Consumer Cyclical	0.3%	$1,059,865	4
Energy	0.2%	$576,543	2
Communication Services	0.1%	$552,698	2
Basic Materials	0.1%	$300,591	1
Utilities	0.1%	$255,641	1

Last Quarter's Activity

Export CSV

Jun 30, 2026 vs Mar 31, 2026

Added To

Positions the filer increased

22 positions

Ticker	Company	Δ Shares	Shares	Value
VUG	VANGUARD GROWTH INDEX FUND	+323,180	385,700	$33,224,198
SCHH	Schwab U.S. REIT ETF	+26,653	429,163	$10,162,579
BSV	VANGUARD SHORT-TERM BOND INDEX FUND	+25,519	421,601	$32,846,933
SCHA	Schwab U.S. Small-Cap ETF	+17,728	702,414	$25,378,217
BLV	VANGUARD LONG-TERM BOND INDEX FUND	+17,233	209,762	$14,458,894
REET	iShares Global REIT ETF	+14,019	356,526	$9,847,248
BND	VANGUARD TOTAL BOND MARKET INDEX FUND	+10,771	170,811	$12,539,235
DFNM	Dimensional National Municipal Bond ETF	+9,004	545,339	$26,358,960
VEA	Vanguard FTSE Developed Markets ETF	+7,494	404,761	$28,839,221
VTV	VANGUARD VALUE INDEX FUND	+5,561	161,913	$35,285,700
VWO	VANGUARD EMERGING MARKETS STOCK INDEX FUND	+4,903	211,867	$12,646,341
DFSV	Dimensional US Small Cap Value ETF	+3,689	288,532	$11,192,156
IVV	iShares Core S&P 500 ETF	+1,625	93,087	$69,711,923
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
VNQ	VANGUARD REAL ESTATE INDEX FUND	+1	16,744	$1,614,623
No positions match the current search.

Trimmed

Positions the filer reduced

11 positions

Ticker	Company	Δ Shares	Shares	Value
LDEM	iShares ESG MSCI EM Leaders ETF	−3,925	8,481	$511,573
SCHV	Schwab U.S. Large-Cap Value ETF	−2,104	32,703	$1,138,391
VOT	VANGUARD MID-CAP GROWTH INDEX FUND	−1,965	20,897	$6,400,751
EFA	iShares MSCI EAFE ETF	−1,751	6,995	$726,640
RSP	Victory Portfolios II	−502	13,024	$2,771,116
PGR	Progressive Corp	−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
VOO	VANGUARD 500 INDEX FUND	−60	327	$224,586
NVDA	Nvidia Corp	−47	6,155	$1,231,553
VB	Vanguard Index Funds	−20	3,634	$1,101,538
No positions match the current search.

New Positions

Positions the filer opened this quarter

10 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	4,131	$235,384
IBDU	iShares iBonds Dec 2029 Term Corporate ETF	9,894	$229,145
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

3 positions

Ticker	Company	Shares	Value
BRK-A	Berkshire Hathaway Inc	3	$2,154,420
TECB	iShares U.S. Tech Breakthrough Multisector ETF	12,548	$696,163
VUZI	Vuzix Corp	12,741	$29,431
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

64 tracked positions · $375,155,915 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

Showing 1–50 of 64 positions by value · page 1 of 2

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	Held (qtrs)	Est. cost/share	% of Portfolio
IVV	iShares Core S&P 500 ETF	Added	93,087	+1,625	$69,711,923	+16.7%	15	before history	18.58%
VTV	VANGUARD VALUE INDEX FUND	Added	161,913	+5,561	$35,285,700	+15.0%	15	before history	9.41%
VUG	VANGUARD GROWTH INDEX FUND	Added	385,700	+323,180	$33,224,198	+21.7%	15	before history	8.86%
BSV	VANGUARD SHORT-TERM BOND INDEX FUND	Added	421,601	+25,519	$32,846,933	+5.8%	2	$78.69	8.76%
VEA	Vanguard FTSE Developed Markets ETF	Added	404,761	+7,494	$28,839,221	+13.3%	15	before history	7.69%
DFNM	Dimensional National Municipal Bond ETF	Added	545,339	+9,004	$26,358,960	+2.5%	3	$48.19	7.03%
SCHA	Schwab U.S. Small-Cap ETF	Added	702,414	+17,728	$25,378,217	+27.5%	7	unpriced	6.76%
BLV	VANGUARD LONG-TERM BOND INDEX FUND	Added	209,762	+17,233	$14,458,894	+9.2%	2	$69.71	3.85%
VWO	VANGUARD EMERGING MARKETS STOCK INDEX FUND	Added	211,867	+4,903	$12,646,341	+13.1%	11	$51.70	3.37%
BND	VANGUARD TOTAL BOND MARKET INDEX FUND	Added	170,811	+10,771	$12,539,235	+6.4%	2	$74.14	3.34%
DFSV	Dimensional US Small Cap Value ETF	Added	288,532	+3,689	$11,192,156	+12.1%	3	$32.29	2.98%
SCHH	Schwab U.S. REIT ETF	Added	429,163	+26,653	$10,162,579	+17.5%	2	$22.01	2.71%
REET	iShares Global REIT ETF	Added	356,526	+14,019	$9,847,248	+14.3%	2	unpriced	2.62%
VOT	VANGUARD MID-CAP GROWTH INDEX FUND	Reduced	20,897	-1,965	$6,400,751	+8.8%	3	unpriced	1.71%
SCHF	Schwab International Equity ETF	Held	211,231	0	$5,851,098	+11.9%	15	before history	1.56%
SCHG	Schwab U.S. Large-Cap Growth ETF	Held	147,643	0	$4,996,239	+16.2%	14	unpriced	1.33%
RTX	RTX Corp Industrials	Added	15,255	+150	$2,894,331	−0.7%	15	before history	0.77%
RSP	Victory Portfolios II	Reduced	13,024	-502	$2,771,116	+6.7%	15	before history	0.74%
CBSH	Commerce Bancshares Inc Financial Services	Held	44,863	0	$2,590,838	+17.4%	3	unpriced	0.69%
AAPL	Apple Inc. Technology	Added	8,679	+294	$2,511,355	+18.0%	15	before history	0.67%
VNQ	VANGUARD REAL ESTATE INDEX FUND	Added	16,744	+1	$1,614,623	+8.7%	2	$91.69	0.43%
KEY	Keycorp Financial Services	Held	69,833	0	$1,609,650	+15.0%	3	$18.62	0.43%
PGR	Progressive Corp Financial Services	Reduced	6,780	-276	$1,481,091	+5.9%	3	$225.83	0.39%
NVDA	Nvidia Corp Technology	Reduced	6,155	-47	$1,231,553	+13.9%	13	unpriced	0.33%
SCHV	Schwab U.S. Large-Cap Value ETF	Reduced	32,703	-2,104	$1,138,391	+7.2%	15	before history	0.30%
SPY	Spdr S&P 500 ETF Trust	Reduced	1,501	-191	$1,120,901	+1.9%	15	before history	0.30%
VB	Vanguard Index Funds	Reduced	3,634	-20	$1,101,538	+15.1%	15	before history	0.29%
APH	Amphenol Corp Technology	Held	5,959	0	$1,050,690	+39.5%	3	$133.75	0.28%
MSFT	Microsoft Corp Technology	Added	2,752	+10	$1,026,551	+1.1%	15	before history	0.27%
CARR	CARRIER GLOBAL Corp Industrials	Held	13,381	0	$981,496	+30.3%	15	before history	0.26%
CAT	Caterpillar Inc Industrials	Held	885	0	$942,436	+50.3%	11	unpriced	0.25%
JPM	Jpmorgan Chase & Co Financial Services	Added	2,367	+154	$774,790	+19.0%	15	before history	0.21%
EFA	iShares MSCI EAFE ETF	Reduced	6,995	-1,751	$726,640	−14.5%	15	before history	0.19%
SCHB	Schwab U.S. Broad Market ETF	Held	21,744	0	$629,706	+15.4%	15	before history	0.17%
LDEM	iShares ESG MSCI EM Leaders ETF	Reduced	8,481	-3,925	$511,573	−28.9%	2	unpriced	0.14%
SAN	Banco Santander, S.A. Financial Services	NEW	36,124	NEW	$498,511	NEW	1	$12.39	0.13%
OTIS	Otis Worldwide Corp Industrials	Held	6,690	0	$479,004	−7.1%	15	before history	0.13%
HD	Home Depot, Inc. Consumer Cyclical	Held	1,313	0	$463,068	+7.2%	15	before history	0.12%
V	Visa Inc. Financial Services	Added	1,306	+14	$448,075	+14.7%	15	before history	0.12%
SCHE	Schwab Emerging Markets Equity ETF	Held	11,780	0	$427,142	+10.0%	11	unpriced	0.11%
MTB	M&T Bank Corp Financial Services	NEW	1,778	NEW	$423,181	NEW	1	$218.67	0.11%
AMGN	Amgen Inc Healthcare	Held	1,000	0	$362,120	+2.9%	12	$272.17	0.10%
MRK	Merck & Co., Inc. Healthcare	Held	2,778	0	$356,973	+6.8%	15	before history	0.10%
AMD	Advanced Micro Devices Inc Technology	NEW	588	NEW	$341,575	NEW	1	$409.99	0.09%
EEM	iShares MSCI Emerging Markets ETF	Held	4,967	0	$339,792	+20.5%	11	$47.78	0.09%
META	Meta Platforms, Inc. Communication Services	Added	598	+1	$336,847	−1.4%	12	unpriced	0.09%
XOM	ExxonMobil Holdings Corp Energy	Held	2,402	0	$328,401	−19.4%	15	before history	0.09%
AMZN	Amazon Com Inc Consumer Cyclical	Added	1,292	+51	$307,935	+19.1%	9	unpriced	0.08%
SHW	Sherwin Williams Co Basic Materials	Held	873	0	$300,591	+7.4%	15	before history	0.08%
SCHX	Schwab U.S. Large-Cap ETF	Held	9,987	0	$293,917	+14.8%	3	$26.71	0.08%

Showing the top 50 of 64 positions. Create a free account to see every position, past quarters, search, filters and CSV export.

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.