Waterford Advisors, LLC
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 14, 2025), Waterford Advisors, LLC reported 46 stock positions worth $196.4 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 25.8% of the portfolio, followed by Vanguard Mrngstar GR ETF-Sui (VUG, 12.6%) and Vanguard Mrngstr Val ETF-Aui (VTV, 11.7%). Compared with Q3 2024, it opened 4 new positions, sold out of 8, added to 10 and reduced 9. The biggest buy was a new position in Schwab US Small-Cap ETF (SCHA) and the biggest sale an exit from Vanguard Short-Term Bond ETF (BSV).
- Most Recent 13F
- Q2 2026
- Location
- ORCHARD PARK, NY
- CIK
- 0001960657
- Portfolio Value
- $196.4M (Q4 2024)
- SEC Filing
- 0001960657-25-000001 ↗ filed Feb 14, 2025
Holdings Value
Holdings 46 stocks · $196.4M
| IVV iShares Core S&P 500 ETF | 25.81% | 86,138 | $50.7M | Add +4.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 12.60% | 60,296 | $24.7M | Add +2.0% |
| VTV Vanguard Mrngstr Val ETF-Aui | 11.66% | 135,279 | $22.9M | Add +3.6% |
| VEA Vanguard Ftse Developed ETF | 8.75% | 359,510 | $17.2M | Add +6.2% |
| SCHA Schwab US Small-Cap ETF | 8.25% | 626,777 | $16.2M | New |
| VWO Vanguard Ftse Emerging Marke | 4.15% | 185,273 | $8.2M | Add +3.0% |
| FNDE Schwab Fndmntl Em MRK Eq ETF | 4.00% | 270,625 | $7.9M | New |
| REET iShares Global REIT ETF | 3.48% | 285,271 | $6.8M | Add +5.8% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 2.81% | 25,946 | $5.5M | Reduce -1.5% |
| SCHF Schwab Intl Equity ETF | 2.42% | 256,459 | $4.7M | No change |
| SCHV Schwab US Large-Cap Value | 1.97% | 148,145 | $3.9M | No change |
| RSP Invesco S&P 500 Equal Weight | 1.45% | 16,232 | $2.8M | Reduce -0.5% |
| CBU Community Financial System I | 1.41% | 44,863 | $2.8M | No change |
| AAPL Apple Inc. | 1.07% | 8,367 | $2.1M | Reduce -0.0% |
| BRK.A Berkshire Hathaway Inc. Class A | 1.04% | 300 | $2.0M | New |
| VNQ Vanguard Real Estate ETF | 0.97% | 21,329 | $1.9M | No change |
| RTX RTX Corp. | 0.88% | 14,947 | $1.7M | No change |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.72% | 52,821 | $1.4M | Reduce -4.4% |
| MSFT Microsoft Corp. | 0.60% | 2,788 | $1.2M | Add +6.7% |
| CARR Carrier Global Corp. | 0.47% | 13,381 | $913K | No change |
| VB Vanguard Most SM-Cap ETF-Usd | 0.45% | 3,665 | $881K | Reduce -3.5% |
| APH Amphenol Corp. Class A | 0.36% | 10,284 | $714K | No change |
| NVDA Nvidia Corp. | 0.36% | 5,276 | $709K | Reduce -16.4% |
| OTIS Otis Worldwide Corp. | 0.32% | 6,690 | $620K | No change |
| EFA iShares MSCI Eafe ETF | 0.30% | 7,737 | $585K | Add +1.9% |
| URTH iShares MSCI World ETF | 0.29% | 3,688 | $573K | No change |
| SCHB Schwab US Broad Market ETF | 0.27% | 22,944 | $521K | No change |
| JPM JPMorgan Chase & Co. | 0.26% | 2,157 | $517K | Reduce -4.4% |
| HD Home Depot Inc. | 0.26% | 1,320 | $513K | Add +0.9% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.25% | 828 | $485K | Reduce -9.4% |
| NFG National Fuel Gas Co. | 0.21% | 6,690 | $406K | No change |
| V Visa Inc. Class A | 0.21% | 1,280 | $405K | Reduce -1.9% |
| SCHG Schwab US Large-Cap Growth | 0.18% | 12,580 | $351K | No change |
| VOO Vanguard S&P 500 ETF | 0.17% | 607 | $327K | Add +2.5% |
| MRK Merck & Co. Inc. | 0.16% | 3,208 | $319K | No change |
| CAT Caterpillar Inc. | 0.16% | 877 | $318K | No change |
| XOM Exxon Mobil Corp. | 0.15% | 2,802 | $301K | No change |
| SHW The Sherwin-Williams Co. | 0.15% | 873 | $297K | No change |
| TSLA Tesla Inc. | 0.14% | 688 | $278K | New |
| SCHD Schwab US DVD Equity ETF | 0.14% | 9,987 | $273K | No change |
| AMGN Amgen Inc. | 0.14% | 1,041 | $271K | No change |
| META Meta Platforms Inc. Class A | 0.14% | 460 | $269K | No change |
| AMZN Amazon.com Inc. | 0.13% | 1,137 | $249K | No change |
| SO The Southern Co. | 0.11% | 2,671 | $220K | No change |
| PG The Procter & Gamble Co. | 0.11% | 1,278 | $214K | No change |
| EEM iShares MSCI Emerging Market | 0.11% | 4,967 | $208K | No change |
Portfolio Sells Q3 2024 → Q4 2024
| BSV Vanguard Short-Term Bond ETF | Sold out | 0.00% | −5.98 |
| BND Vanguard Total Bond Market | Sold out | 0.00% | −4.07 |
| MUB iShares National Muni Bond E | Sold out | 0.00% | −2.25 |
| IBDP iShares Ibonds Dec 2024 Term | Sold out | 0.00% | −1.44 |
| TOTL SS Doubleline TR Tact ETF | Sold out | 0.00% | −0.28 |
| IBDQ iShares Ibonds Dec 2025 Term | Sold out | 0.00% | −0.24 |
| IBMM iShares Ibonds Dec 2024 Term | Sold out | 0.00% | −0.18 |
| JNJ Johnson & Johnson | Sold out | 0.00% | −0.12 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -4.4% | 0.72% | −0.11 |
| RSP Invesco S&P 500 Equal Weight | Reduce -0.5% | 1.45% | −0.04 |
| NVDA Nvidia Corp. | Reduce -16.4% | 0.36% | −0.03 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -9.4% | 0.25% | −0.02 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -3.5% | 0.45% | −0.01 |
| JPM JPMorgan Chase & Co. | Reduce -4.4% | 0.26% | +0.02 |
| V Visa Inc. Class A | Reduce -1.9% | 0.21% | +0.02 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Reduce -1.5% | 2.81% | +0.03 |
| AAPL Apple Inc. | Reduce -0.0% | 1.07% | +0.07 |
Portfolio Buys Q3 2024 → Q4 2024
| SCHA Schwab US Small-Cap ETF | New | 8.25% | +8.25 |
| FNDE Schwab Fndmntl Em MRK Eq ETF | New | 4.00% | +4.00 |
| IVV iShares Core S&P 500 ETF | Add +4.3% | 25.81% | +1.52 |
| BRK.A Berkshire Hathaway Inc. Class A | New | 1.04% | +1.04 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +2.0% | 12.60% | +1.02 |
| TSLA Tesla Inc. | New | 0.14% | +0.14 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +3.6% | 11.66% | +0.03 |
| MSFT Microsoft Corp. | Add +6.7% | 0.60% | +0.02 |
| VOO Vanguard S&P 500 ETF | Add +2.5% | 0.17% | +0.01 |
| HD Home Depot Inc. | Add +0.9% | 0.26% | −0.01 |
| EFA iShares MSCI Eafe ETF | Add +1.9% | 0.30% | −0.03 |
| REET iShares Global REIT ETF | Add +5.8% | 3.48% | −0.19 |
| VWO Vanguard Ftse Emerging Marke | Add +3.0% | 4.15% | −0.24 |
| VEA Vanguard Ftse Developed ETF | Add +6.2% | 8.75% | −0.37 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 64 | $366.5M | IVV, VTV, VUG, VEA, DFNM |
| Q1 2026 | 57 | $315.3M | IVV, VTV, VUG, DFNM, VEA |
| Q4 2025 | 48 | $256.0M | IVV, VUG, VTV, VEA, DFNM |
| Q3 2025 | 54 | $289.2M | IVV, VUG, VTV, VEA, SCHA |
| Q2 2025 | 53 | $270.8M | IVV, VUG, VTV, VEA, SCHA |
| Q1 2025 | 51 | $241.0M | IVV, VTV, VUG, VEA, BNDX |
| Q4 2024 | 46 | $196.4M | IVV, VUG, VTV, VEA, SCHA |
| Q3 2024 | 50 | $196.0M | IVV, VTV, VUG, VEA, BSV |
| Q2 2024 | 54 | $238.5M | IVV, VUG, VTV, VEA, FNDF |
| Q1 2024 | 55 | $235.7M | IVV, VTV, VUG, VEA, FNDF |