Waterford Advisors, LLC
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed May 15, 2025), Waterford Advisors, LLC reported 51 stock positions worth $241.0 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 20.1% of the portfolio, followed by Vanguard Mrngstr Val ETF-Aui (VTV, 10.1%) and Vanguard Mrngstar GR ETF-Sui (VUG, 9.6%). Compared with Q4 2024, it opened 8 new positions, sold out of 3, added to 11 and reduced 15. The biggest buy was a new position in Vanguard Total Intl Bond ETF (BNDX) and the biggest sale an exit from Community Financial System I (CBU).
- Most Recent 13F
- Q2 2026
- Location
- ORCHARD PARK, NY
- CIK
- 0001960657
- Portfolio Value
- $241.0M (Q1 2025)
- SEC Filing
- 0001960657-25-000002 ↗ filed May 15, 2025
Holdings Value
Holdings 51 stocks · $241.0M
| IVV iShares Core S&P 500 ETF | 20.10% | 86,215 | $48.4M | Add +0.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 10.11% | 141,050 | $24.4M | Add +4.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 9.55% | 62,075 | $23.0M | Add +3.0% |
| VEA Vanguard Ftse Developed ETF | 7.87% | 372,890 | $19.0M | Add +3.7% |
| BNDX Vanguard Total Intl Bond ETF | 6.64% | 327,908 | $16.0M | New |
| SCHA Schwab US Small-Cap ETF | 6.20% | 638,087 | $15.0M | Add +1.8% |
| BSV Vanguard Short-Term Bond ETF | 5.23% | 160,970 | $12.6M | New |
| BLV Vanguard Long-Term Bond ETF | 3.85% | 131,711 | $9.3M | New |
| VWO Vanguard Ftse Emerging Marke | 3.59% | 191,050 | $8.6M | Add +3.1% |
| FNDE Schwab Fndmntl Em MRK Eq ETF | 3.46% | 270,716 | $8.3M | Add +0.0% |
| SCHZ Schwab US Aggregate Bond ETF | 3.32% | 345,285 | $8.0M | New |
| REET iShares Global REIT ETF | 3.02% | 299,503 | $7.3M | Add +5.0% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 2.03% | 24,325 | $4.9M | Reduce -6.3% |
| SCHF Schwab Intl Equity ETF | 1.75% | 213,185 | $4.2M | Reduce -16.9% |
| MUB iShares National Muni Bond E | 1.63% | 37,233 | $3.9M | New |
| SCHV Schwab US Large-Cap Value | 1.61% | 145,874 | $3.9M | Reduce -1.5% |
| RSP Invesco S&P 500 Equal Weight | 1.11% | 15,509 | $2.7M | Reduce -4.5% |
| RTX RTX Corp. | 0.82% | 14,947 | $2.0M | No change |
| VNQ Vanguard Real Estate ETF | 0.79% | 20,907 | $1.9M | Reduce -2.0% |
| AAPL Apple Inc. | 0.77% | 8,316 | $1.8M | Reduce -0.6% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.66% | 2 | $1.6M | Reduce -99.3% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.57% | 49,931 | $1.4M | Reduce -5.5% |
| MSFT Microsoft Corp. | 0.43% | 2,778 | $1.0M | Reduce -0.4% |
| CARR Carrier Global Corp. | 0.35% | 13,381 | $848K | No change |
| VB Vanguard Most SM-Cap ETF-Usd | 0.34% | 3,649 | $809K | Reduce -0.4% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.32% | 1,380 | $772K | Add +66.7% |
| EFA iShares MSCI Eafe ETF | 0.31% | 9,246 | $756K | Add +19.5% |
| OTIS Otis Worldwide Corp. | 0.29% | 6,690 | $690K | No change |
| NVDA Nvidia Corp. | 0.27% | 6,010 | $651K | Add +13.9% |
| URTH iShares MSCI World ETF | 0.23% | 3,688 | $565K | No change |
| JPM JPMorgan Chase & Co. | 0.22% | 2,157 | $529K | No change |
| SCHB Schwab US Broad Market ETF | 0.20% | 22,944 | $494K | No change |
| HD Home Depot Inc. | 0.20% | 1,308 | $479K | Reduce -0.9% |
| V Visa Inc. Class A | 0.19% | 1,280 | $449K | No change |
| IBDQ iShares Ibonds Dec 2025 Term | 0.18% | 16,947 | $426K | New |
| AMGN Amgen Inc. | 0.13% | 1,041 | $324K | No change |
| XOM Exxon Mobil Corp. | 0.13% | 2,702 | $321K | Reduce -3.6% |
| SCHG Schwab US Large-Cap Growth | 0.13% | 12,580 | $315K | No change |
| VOO Vanguard S&P 500 ETF | 0.13% | 607 | $312K | No change |
| SHW The Sherwin-Williams Co. | 0.13% | 873 | $305K | No change |
| TOTL SS Doubleline TR Tact ETF | 0.12% | 7,271 | $293K | New |
| CAT Caterpillar Inc. | 0.12% | 877 | $289K | No change |
| MRK Merck & Co. Inc. | 0.12% | 3,208 | $288K | No change |
| SCHD Schwab US DVD Equity ETF | 0.12% | 9,987 | $279K | No change |
| META Meta Platforms Inc. Class A | 0.11% | 460 | $265K | No change |
| SO The Southern Co. | 0.10% | 2,671 | $246K | No change |
| NFG National Fuel Gas Co. | 0.10% | 3,000 | $238K | Reduce -55.2% |
| EEM iShares MSCI Emerging Market | 0.09% | 4,967 | $217K | No change |
| PG The Procter & Gamble Co. | 0.09% | 1,268 | $216K | Reduce -0.8% |
| AMZN Amazon.com Inc. | 0.08% | 1,065 | $203K | Reduce -6.3% |
| ABBV Abbvie Inc. | 0.08% | 959 | $201K | New |
Portfolio Sells Q4 2024 → Q1 2025
| CBU Community Financial System I | Sold out | 0.00% | −1.41 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Reduce -6.3% | 2.03% | −0.78 |
| SCHF Schwab Intl Equity ETF | Reduce -16.9% | 1.75% | −0.67 |
| BRK.A Berkshire Hathaway Inc. Class A | Reduce -99.3% | 0.66% | −0.38 |
| APH Amphenol Corp. Class A | Sold out | 0.00% | −0.36 |
| SCHV Schwab US Large-Cap Value | Reduce -1.5% | 1.61% | −0.36 |
| RSP Invesco S&P 500 Equal Weight | Reduce -4.5% | 1.11% | −0.33 |
| AAPL Apple Inc. | Reduce -0.6% | 0.77% | −0.30 |
| VNQ Vanguard Real Estate ETF | Reduce -2.0% | 0.79% | −0.18 |
| MSFT Microsoft Corp. | Reduce -0.4% | 0.43% | −0.17 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -5.5% | 0.57% | −0.14 |
| TSLA Tesla Inc. | Sold out | 0.00% | −0.14 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -0.4% | 0.34% | −0.11 |
| NFG National Fuel Gas Co. | Reduce -55.2% | 0.10% | −0.11 |
| HD Home Depot Inc. | Reduce -0.9% | 0.20% | −0.06 |
| AMZN Amazon.com Inc. | Reduce -6.3% | 0.08% | −0.04 |
| XOM Exxon Mobil Corp. | Reduce -3.6% | 0.13% | −0.02 |
| PG The Procter & Gamble Co. | Reduce -0.8% | 0.09% | −0.02 |
Portfolio Buys Q4 2024 → Q1 2025
| BNDX Vanguard Total Intl Bond ETF | New | 6.64% | +6.64 |
| BSV Vanguard Short-Term Bond ETF | New | 5.23% | +5.23 |
| BLV Vanguard Long-Term Bond ETF | New | 3.85% | +3.85 |
| SCHZ Schwab US Aggregate Bond ETF | New | 3.32% | +3.32 |
| MUB iShares National Muni Bond E | New | 1.63% | +1.63 |
| IBDQ iShares Ibonds Dec 2025 Term | New | 0.18% | +0.18 |
| TOTL SS Doubleline TR Tact ETF | New | 0.12% | +0.12 |
| ABBV Abbvie Inc. | New | 0.08% | +0.08 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +66.7% | 0.32% | +0.07 |
| EFA iShares MSCI Eafe ETF | Add +19.5% | 0.31% | +0.02 |
| NVDA Nvidia Corp. | Add +13.9% | 0.27% | −0.09 |
| REET iShares Global REIT ETF | Add +5.0% | 3.02% | −0.47 |
| FNDE Schwab Fndmntl Em MRK Eq ETF | Add +0.0% | 3.46% | −0.54 |
| VWO Vanguard Ftse Emerging Marke | Add +3.1% | 3.59% | −0.57 |
| VEA Vanguard Ftse Developed ETF | Add +3.7% | 7.87% | −0.89 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +4.3% | 10.11% | −1.55 |
| SCHA Schwab US Small-Cap ETF | Add +1.8% | 6.20% | −2.05 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +3.0% | 9.55% | −3.05 |
| IVV iShares Core S&P 500 ETF | Add +0.1% | 20.10% | −5.71 |
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 |