Waterford Advisors, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 14, 2025), Waterford Advisors, LLC reported 54 stock positions worth $289.2 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 21.2% of the portfolio, followed by Vanguard Mrngstar GR ETF-Sui (VUG, 10.7%) and Vanguard Mrngstr Val ETF-Aui (VTV, 9.6%). Compared with Q2 2025, it opened 5 new positions, sold out of 4, added to 25 and reduced 24. The biggest buy was iShares Core S&P 500 ETF (IVV, shares +2750%) 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
- $289.2M (Q3 2025)
- SEC Filing
- 0001960657-25-000007 ↗ filed Nov 14, 2025
Holdings Value
Holdings 54 stocks · $289.2M
| IVV iShares Core S&P 500 ETF | 21.16% | 91,443 | $61.2M | Add +2750.5% |
| VUG Vanguard Mrngstar GR ETF-Sui | 10.74% | 64,784 | $31.1M | Add +4961.3% |
| VTV Vanguard Mrngstr Val ETF-Aui | 9.61% | 149,000 | $27.8M | Add +3917.3% |
| VEA Vanguard Ftse Developed ETF | 8.10% | 391,029 | $23.4M | Add +44691.4% |
| SCHA Schwab US Small-Cap ETF | 6.61% | 684,943 | $19.1M | Add +1578.7% |
| BNDX Vanguard Total Intl Bond ETF | 6.09% | 356,207 | $17.6M | Add +13236.1% |
| BSV Vanguard Short-Term Bond ETF | 4.92% | 180,361 | $14.2M | Add +3531.2% |
| VWO Vanguard Ftse Emerging Marke | 3.83% | 204,520 | $11.1M | Add +14971.5% |
| BLV Vanguard Long-Term Bond ETF | 3.64% | 148,409 | $10.5M | Add +230.8% |
| FNDE Schwab Fndmntl Em MRK Eq ETF | 3.56% | 284,343 | $10.3M | Add +33.4% |
| SCHZ Schwab US Aggregate Bond ETF | 3.12% | 384,326 | $9.0M | Add +2772.2% |
| REET iShares Global REIT ETF | 2.77% | 313,620 | $8.0M | Add +811.4% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 2.02% | 23,949 | $5.8M | Add +2630.8% |
| SCHF Schwab Intl Equity ETF | 1.70% | 211,808 | $4.9M | Add +26.1% |
| SCHV Schwab US Large-Cap Value | 1.50% | 149,374 | $4.3M | Reduce -55.6% |
| MUB iShares National Muni Bond E | 1.22% | 33,098 | $3.5M | Add +3070.3% |
| RSP Invesco S&P 500 Equal Weight | 0.91% | 13,928 | $2.6M | Add +1727.8% |
| RTX RTX Corp. | 0.87% | 15,105 | $2.5M | Reduce -97.7% |
| AAPL Apple Inc. | 0.73% | 8,343 | $2.1M | Reduce -97.0% |
| VNQ Vanguard Real Estate ETF | 0.56% | 17,832 | $1.6M | Add +383.5% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.52% | 2 | $1.5M | Reduce -100.0% |
| MSFT Microsoft Corp. | 0.50% | 2,814 | $1.5M | Add +121.9% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.45% | 39,160 | $1.3M | Add +1305233.3% |
| NVDA Nvidia Corp. | 0.39% | 6,012 | $1.1M | Reduce -57.1% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.33% | 3,729 | $948K | Reduce -99.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.31% | 1,357 | $904K | Reduce -94.1% |
| EFA iShares MSCI Eafe ETF | 0.30% | 9,246 | $863K | Add +232.8% |
| CARR Carrier Global Corp. | 0.28% | 13,381 | $799K | Add +923.0% |
| JPM JPMorgan Chase & Co. | 0.24% | 2,213 | $698K | Reduce -62.3% |
| URTH iShares MSCI World ETF | 0.23% | 3,688 | $670K | Reduce -84.8% |
| OTIS Otis Worldwide Corp. | 0.21% | 6,690 | $612K | Reduce -55.2% |
| SCHB Schwab US Broad Market ETF | 0.20% | 22,944 | $590K | Reduce -83.5% |
| HD Home Depot Inc. | 0.18% | 1,308 | $530K | Reduce -39.4% |
| V Visa Inc. Class A | 0.16% | 1,342 | $458K | Reduce -93.6% |
| CAT Caterpillar Inc. | 0.15% | 911 | $435K | Reduce -89.0% |
| IBDQ iShares Ibonds Dec 2025 Term | 0.15% | 17,172 | $433K | Add +448.1% |
| SCHG Schwab US Large-Cap Growth | 0.14% | 12,580 | $401K | Add +26.0% |
| META Meta Platforms Inc. Class A | 0.12% | 459 | $337K | Reduce -99.5% |
| TSLA Tesla Inc. | 0.11% | 719 | $320K | Reduce -73.4% |
| XOM Exxon Mobil Corp. | 0.11% | 2,702 | $305K | Reduce -84.2% |
| SHW The Sherwin-Williams Co. | 0.10% | 873 | $302K | Reduce -99.4% |
| AMGN Amgen Inc. | 0.10% | 1,041 | $294K | Add +126.8% |
| NFG National Fuel Gas Co. | 0.10% | 3,131 | $289K | Reduce -99.0% |
| VOO Vanguard S&P 500 ETF | 0.10% | 459 | $281K | Reduce -36.4% |
| SCHD Schwab US DVD Equity ETF | 0.09% | 9,987 | $273K | Reduce -20.6% |
| AMZN Amazon.com Inc. | 0.09% | 1,212 | $266K | Reduce -86.9% |
| EEM iShares MSCI Emerging Market | 0.09% | 4,967 | $265K | Add +377.1% |
| MRK Merck & Co. Inc. | 0.09% | 3,028 | $254K | Reduce -54.7% |
| SO The Southern Co. | 0.09% | 2,671 | $253K | Reduce -99.2% |
| IBDT iShares Ibonds Dec 2028 ETF | 0.09% | 9,656 | $246K | New |
| CVX Chevron Corp. | 0.07% | 1,379 | $214K | New |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.07% | 4,131 | $213K | New |
| ABBV Abbvie Inc. | 0.07% | 919 | $213K | New |
| JNJ Johnson & Johnson | 0.07% | 1,141 | $212K | New |
Portfolio Sells Q2 2025 → Q3 2025
| CBU Community Financial System I | Sold out | 0.00% | −0.94 |
| PGR Progressive Corp. | Sold out | 0.00% | −0.70 |
| BRK.A Berkshire Hathaway Inc. Class A | Reduce -100.0% | 0.52% | −0.29 |
| APH Amphenol Corp. Class A | Sold out | 0.00% | −0.23 |
| META Meta Platforms Inc. Class A | Reduce -99.5% | 0.12% | −0.09 |
| PG The Procter & Gamble Co. | Sold out | 0.00% | −0.07 |
| OTIS Otis Worldwide Corp. | Reduce -55.2% | 0.21% | −0.03 |
| SCHV Schwab US Large-Cap Value | Reduce -55.6% | 1.50% | −0.02 |
| V Visa Inc. Class A | Reduce -93.6% | 0.16% | −0.01 |
| SHW The Sherwin-Williams Co. | Reduce -99.4% | 0.10% | −0.01 |
| MRK Merck & Co. Inc. | Reduce -54.7% | 0.09% | −0.01 |
| SCHD Schwab US DVD Equity ETF | Reduce -20.6% | 0.09% | −0.00 |
| SO The Southern Co. | Reduce -99.2% | 0.09% | −0.00 |
| XOM Exxon Mobil Corp. | Reduce -84.2% | 0.11% | −0.00 |
| URTH iShares MSCI World ETF | Reduce -84.8% | 0.23% | +0.00 |
| VOO Vanguard S&P 500 ETF | Reduce -36.4% | 0.10% | +0.00 |
| NFG National Fuel Gas Co. | Reduce -99.0% | 0.10% | +0.00 |
| SCHB Schwab US Broad Market ETF | Reduce -83.5% | 0.20% | +0.00 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -94.1% | 0.31% | +0.00 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -99.0% | 0.33% | +0.00 |
| HD Home Depot Inc. | Reduce -39.4% | 0.18% | +0.01 |
| AMZN Amazon.com Inc. | Reduce -86.9% | 0.09% | +0.01 |
| JPM JPMorgan Chase & Co. | Reduce -62.3% | 0.24% | +0.01 |
| CAT Caterpillar Inc. | Reduce -89.0% | 0.15% | +0.02 |
| TSLA Tesla Inc. | Reduce -73.4% | 0.11% | +0.03 |
| NVDA Nvidia Corp. | Reduce -57.1% | 0.39% | +0.05 |
| RTX RTX Corp. | Reduce -97.7% | 0.87% | +0.07 |
| AAPL Apple Inc. | Reduce -97.0% | 0.73% | +0.10 |
Portfolio Buys Q2 2025 → Q3 2025
| IVV iShares Core S&P 500 ETF | Add +2750.5% | 21.16% | +0.63 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +4961.3% | 10.74% | +0.37 |
| SCHA Schwab US Small-Cap ETF | Add +1578.7% | 6.61% | +0.36 |
| VWO Vanguard Ftse Emerging Marke | Add +14971.5% | 3.83% | +0.20 |
| FNDE Schwab Fndmntl Em MRK Eq ETF | Add +33.4% | 3.56% | +0.18 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +3917.3% | 9.61% | +0.17 |
| SCHZ Schwab US Aggregate Bond ETF | Add +2772.2% | 3.12% | +0.10 |
| IBDT iShares Ibonds Dec 2028 ETF | New | 0.09% | +0.09 |
| CVX Chevron Corp. | New | 0.07% | +0.07 |
| BAC Bank of America Corp. | New | 0.07% | +0.07 |
| ABBV Abbvie Inc. | New | 0.07% | +0.07 |
| JNJ Johnson & Johnson | New | 0.07% | +0.07 |
| BLV Vanguard Long-Term Bond ETF | Add +230.8% | 3.64% | +0.07 |
| VEA Vanguard Ftse Developed ETF | Add +44691.4% | 8.10% | +0.04 |
| BSV Vanguard Short-Term Bond ETF | Add +3531.2% | 4.92% | +0.04 |
| REET iShares Global REIT ETF | Add +811.4% | 2.77% | +0.01 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Add +2630.8% | 2.02% | +0.01 |
| EEM iShares MSCI Emerging Market | Add +377.1% | 0.09% | +0.00 |
| SCHG Schwab US Large-Cap Growth | Add +26.0% | 0.14% | +0.00 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Add +1305233.3% | 0.45% | −0.00 |
| AMGN Amgen Inc. | Add +126.8% | 0.10% | −0.01 |
| MSFT Microsoft Corp. | Add +121.9% | 0.50% | −0.01 |
| EFA iShares MSCI Eafe ETF | Add +232.8% | 0.30% | −0.01 |
| IBDQ iShares Ibonds Dec 2025 Term | Add +448.1% | 0.15% | −0.01 |
| RSP Invesco S&P 500 Equal Weight | Add +1727.8% | 0.91% | −0.03 |
| SCHF Schwab Intl Equity ETF | Add +26.1% | 1.70% | −0.03 |
| BNDX Vanguard Total Intl Bond ETF | Add +13236.1% | 6.09% | −0.05 |
| CARR Carrier Global Corp. | Add +923.0% | 0.28% | −0.09 |
| MUB iShares National Muni Bond E | Add +3070.3% | 1.22% | −0.11 |
| VNQ Vanguard Real Estate ETF | Add +383.5% | 0.56% | −0.12 |
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 |