Waterford Advisors, LLC
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed August 14, 2025), Waterford Advisors, LLC reported 53 stock positions worth $270.8 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 20.5% of the portfolio, followed by Vanguard Mrngstar GR ETF-Sui (VUG, 10.4%) and Vanguard Mrngstr Val ETF-Aui (VTV, 9.4%). Compared with Q1 2025, it opened 4 new positions, sold out of 2, added to 24 and reduced 25. The biggest buy was a new position in Community Financial System I (CBU) and the biggest sale Vanguard Mrngstr Val ETF-Aui (VTV, shares −97%).
- Most Recent 13F
- Q2 2026
- Location
- ORCHARD PARK, NY
- CIK
- 0001960657
- Portfolio Value
- $270.8M (Q2 2025)
- SEC Filing
- 0001960657-25-000005 ↗ filed Aug 14, 2025
Holdings Value
Holdings 53 stocks · $270.8M
| IVV iShares Core S&P 500 ETF | 20.53% | 3,208 | $55.6M | Reduce -96.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 10.38% | 1,280 | $28.1M | Reduce -97.9% |
| VTV Vanguard Mrngstr Val ETF-Aui | 9.44% | 3,709 | $25.6M | Reduce -97.4% |
| VEA Vanguard Ftse Developed ETF | 8.06% | 873 | $21.8M | Reduce -99.8% |
| SCHA Schwab US Small-Cap ETF | 6.25% | 40,803 | $16.9M | Reduce -93.6% |
| BNDX Vanguard Total Intl Bond ETF | 6.15% | 2,671 | $16.6M | Reduce -99.2% |
| BSV Vanguard Short-Term Bond ETF | 4.88% | 4,967 | $13.2M | Reduce -96.9% |
| VWO Vanguard Ftse Emerging Marke | 3.64% | 1,357 | $9.8M | Reduce -99.3% |
| BLV Vanguard Long-Term Bond ETF | 3.57% | 44,863 | $9.7M | Reduce -65.9% |
| FNDE Schwab Fndmntl Em MRK Eq ETF | 3.37% | 213,080 | $9.1M | Reduce -21.3% |
| SCHZ Schwab US Aggregate Bond ETF | 3.02% | 13,381 | $8.2M | Reduce -96.1% |
| REET iShares Global REIT ETF | 2.76% | 34,411 | $7.5M | Reduce -88.5% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 2.01% | 877 | $5.5M | Reduce -96.4% |
| SCHF Schwab Intl Equity ETF | 1.74% | 167,951 | $4.7M | Reduce -21.2% |
| SCHV Schwab US Large-Cap Value | 1.53% | 336,201 | $4.1M | Add +130.5% |
| MUB iShares National Muni Bond E | 1.33% | 1,044 | $3.6M | Reduce -97.2% |
| CBU Community Financial System I | 0.94% | 64,107 | $2.6M | New |
| RSP Invesco S&P 500 Equal Weight | 0.94% | 762 | $2.5M | Reduce -95.1% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.81% | 529,664 | $2.2M | Add +26483100.0% |
| RTX RTX Corp. | 0.81% | 669,263 | $2.2M | Add +4377.6% |
| PGR Progressive Corp. | 0.70% | 199,090 | $1.9M | New |
| VNQ Vanguard Real Estate ETF | 0.69% | 3,688 | $1.9M | Reduce -82.4% |
| AAPL Apple Inc. | 0.63% | 276,491 | $1.7M | Add +3224.8% |
| MSFT Microsoft Corp. | 0.51% | 1,268 | $1.4M | Reduce -54.4% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.45% | 3 | $1.2M | Reduce -100.0% |
| CARR Carrier Global Corp. | 0.36% | 1,308 | $979K | Reduce -90.2% |
| NVDA Nvidia Corp. | 0.34% | 14,018 | $928K | Add +133.2% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.32% | 382,721 | $879K | Add +10388.4% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.31% | 22,944 | $838K | Add +1562.6% |
| EFA iShares MSCI Eafe ETF | 0.31% | 2,778 | $827K | Reduce -70.0% |
| OTIS Otis Worldwide Corp. | 0.24% | 14,947 | $662K | Add +123.4% |
| JPM JPMorgan Chase & Co. | 0.23% | 5,876 | $625K | Add +172.4% |
| URTH iShares MSCI World ETF | 0.23% | 24,250 | $625K | Add +557.5% |
| APH Amphenol Corp. Class A | 0.23% | 144,576 | $621K | New |
| META Meta Platforms Inc. Class A | 0.21% | 89,543 | $562K | Add +19365.9% |
| SCHB Schwab US Broad Market ETF | 0.20% | 139,009 | $547K | Add +505.9% |
| HD Home Depot Inc. | 0.18% | 2,157 | $480K | Add +64.9% |
| V Visa Inc. Class A | 0.17% | 20,908 | $454K | Add +1533.4% |
| IBDQ iShares Ibonds Dec 2025 Term | 0.16% | 3,133 | $430K | Reduce -81.5% |
| SCHG Schwab US Large-Cap Growth | 0.14% | 9,987 | $367K | Reduce -20.6% |
| CAT Caterpillar Inc. | 0.13% | 8,316 | $340K | Add +848.2% |
| SHW The Sherwin-Williams Co. | 0.11% | 149,374 | $300K | Add +17010.4% |
| XOM Exxon Mobil Corp. | 0.11% | 17,058 | $291K | Add +531.3% |
| AMGN Amgen Inc. | 0.11% | 459 | $291K | Reduce -55.9% |
| NFG National Fuel Gas Co. | 0.10% | 302,717 | $265K | Add +9990.6% |
| SCHD Schwab US DVD Equity ETF | 0.10% | 12,580 | $265K | Add +26.0% |
| VOO Vanguard S&P 500 ETF | 0.10% | 722 | $261K | Add +18.9% |
| MRK Merck & Co. Inc. | 0.09% | 6,690 | $254K | Add +108.5% |
| SO The Southern Co. | 0.09% | 351,703 | $245K | Add +13067.5% |
| EEM iShares MSCI Emerging Market | 0.09% | 1,041 | $240K | Reduce -79.0% |
| TSLA Tesla Inc. | 0.08% | 2,702 | $229K | New |
| AMZN Amazon.com Inc. | 0.08% | 9,246 | $229K | Add +768.2% |
| PG The Procter & Gamble Co. | 0.07% | 6,284 | $202K | Add +395.6% |
Portfolio Sells Q1 2025 → Q2 2025
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -97.4% | 9.44% | −0.68 |
| BNDX Vanguard Total Intl Bond ETF | Reduce -99.2% | 6.15% | −0.50 |
| BSV Vanguard Short-Term Bond ETF | Reduce -96.9% | 4.88% | −0.35 |
| MUB iShares National Muni Bond E | Reduce -97.2% | 1.33% | −0.30 |
| SCHZ Schwab US Aggregate Bond ETF | Reduce -96.1% | 3.02% | −0.30 |
| BLV Vanguard Long-Term Bond ETF | Reduce -65.9% | 3.57% | −0.28 |
| REET iShares Global REIT ETF | Reduce -88.5% | 2.76% | −0.25 |
| RSP Invesco S&P 500 Equal Weight | Reduce -95.1% | 0.94% | −0.17 |
| TOTL SS Doubleline TR Tact ETF | Sold out | 0.00% | −0.12 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -100.0% | 0.45% | −0.12 |
| VNQ Vanguard Real Estate ETF | Reduce -82.4% | 0.69% | −0.10 |
| FNDE Schwab Fndmntl Em MRK Eq ETF | Reduce -21.3% | 3.37% | −0.09 |
| ABBV Abbvie Inc. | Sold out | 0.00% | −0.08 |
| AMGN Amgen Inc. | Reduce -55.9% | 0.11% | −0.03 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Reduce -96.4% | 2.01% | −0.02 |
| IBDQ iShares Ibonds Dec 2025 Term | Reduce -81.5% | 0.16% | −0.02 |
| SCHF Schwab Intl Equity ETF | Reduce -21.2% | 1.74% | −0.01 |
| EFA iShares MSCI Eafe ETF | Reduce -70.0% | 0.31% | −0.01 |
| EEM iShares MSCI Emerging Market | Reduce -79.0% | 0.09% | −0.00 |
| SCHG Schwab US Large-Cap Growth | Reduce -20.6% | 0.14% | +0.01 |
| CARR Carrier Global Corp. | Reduce -90.2% | 0.36% | +0.01 |
| VWO Vanguard Ftse Emerging Marke | Reduce -99.3% | 3.64% | +0.05 |
| SCHA Schwab US Small-Cap ETF | Reduce -93.6% | 6.25% | +0.05 |
| MSFT Microsoft Corp. | Reduce -54.4% | 0.51% | +0.08 |
| VEA Vanguard Ftse Developed ETF | Reduce -99.8% | 8.06% | +0.19 |
| IVV iShares Core S&P 500 ETF | Reduce -96.3% | 20.53% | +0.43 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -97.9% | 10.38% | +0.83 |
Portfolio Buys Q1 2025 → Q2 2025
| CBU Community Financial System I | New | 0.94% | +0.94 |
| PGR Progressive Corp. | New | 0.70% | +0.70 |
| APH Amphenol Corp. Class A | New | 0.23% | +0.23 |
| BRK.A Berkshire Hathaway Inc. Class A | Add +26483100.0% | 0.81% | +0.14 |
| META Meta Platforms Inc. Class A | Add +19365.9% | 0.21% | +0.10 |
| TSLA Tesla Inc. | New | 0.08% | +0.08 |
| NVDA Nvidia Corp. | Add +133.2% | 0.34% | +0.07 |
| JPM JPMorgan Chase & Co. | Add +172.4% | 0.23% | +0.01 |
| CAT Caterpillar Inc. | Add +848.2% | 0.13% | +0.01 |
| AMZN Amazon.com Inc. | Add +768.2% | 0.08% | +0.00 |
| NFG National Fuel Gas Co. | Add +9990.6% | 0.10% | −0.00 |
| SCHB Schwab US Broad Market ETF | Add +505.9% | 0.20% | −0.00 |
| URTH iShares MSCI World ETF | Add +557.5% | 0.23% | −0.00 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +1562.6% | 0.31% | −0.01 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +10388.4% | 0.32% | −0.01 |
| SO The Southern Co. | Add +13067.5% | 0.09% | −0.01 |
| PG The Procter & Gamble Co. | Add +395.6% | 0.07% | −0.02 |
| RTX RTX Corp. | Add +4377.6% | 0.81% | −0.02 |
| SHW The Sherwin-Williams Co. | Add +17010.4% | 0.11% | −0.02 |
| SCHD Schwab US DVD Equity ETF | Add +26.0% | 0.10% | −0.02 |
| V Visa Inc. Class A | Add +1533.4% | 0.17% | −0.02 |
| HD Home Depot Inc. | Add +64.9% | 0.18% | −0.02 |
| MRK Merck & Co. Inc. | Add +108.5% | 0.09% | −0.03 |
| XOM Exxon Mobil Corp. | Add +531.3% | 0.11% | −0.03 |
| VOO Vanguard S&P 500 ETF | Add +18.9% | 0.10% | −0.03 |
| OTIS Otis Worldwide Corp. | Add +123.4% | 0.24% | −0.04 |
| SCHV Schwab US Large-Cap Value | Add +130.5% | 1.53% | −0.08 |
| AAPL Apple Inc. | Add +3224.8% | 0.63% | −0.14 |
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 |