Waterford Advisors, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 20, 2026), Waterford Advisors, LLC reported 48 stock positions worth $256.0 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 23.8% of the portfolio, followed by Vanguard Mrngstar GR ETF-Sui (VUG, 11.8%) and Vanguard Mrngstr Val ETF-Aui (VTV, 11.4%). Compared with Q3 2025, it opened 9 new positions, sold out of 15, added to 10 and reduced 15. The biggest buy was a new position in Dimensional National Muni BD (DFNM) and the biggest sale an exit from Vanguard Total Intl Bond ETF (BNDX).
- Most Recent 13F
- Q2 2026
- Location
- ORCHARD PARK, NY
- CIK
- 0001960657
- Portfolio Value
- $256.0M (Q4 2025)
- SEC Filing
- 0001960657-26-000001 ↗ filed Feb 20, 2026
Holdings Value
Holdings 48 stocks · $256.0M
| IVV iShares Core S&P 500 ETF | 23.84% | 89,097 | $61.0M | Reduce -2.6% |
| VUG Vanguard Mrngstar GR ETF-Sui | 11.76% | 61,689 | $30.1M | Reduce -4.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 11.38% | 152,498 | $29.1M | Add +2.4% |
| VEA Vanguard Ftse Developed ETF | 9.51% | 389,663 | $24.3M | Reduce -0.3% |
| DFNM Dimensional National Muni BD | 9.31% | 527,277 | $23.8M | New |
| SCHA Schwab US Small-Cap ETF | 7.51% | 674,601 | $19.2M | Reduce -1.5% |
| VWO Vanguard Ftse Emerging Marke | 4.27% | 203,140 | $10.9M | Reduce -0.7% |
| DFSV Dimensional US Small Cap Val | 3.93% | 279,065 | $10.1M | New |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 2.26% | 22,986 | $5.8M | New |
| SCHF Schwab Intl Equity ETF | 1.99% | 212,113 | $5.1M | Add +0.1% |
| SCHG Schwab US Large-Cap Growth | 1.71% | 147,643 | $4.4M | Add +1073.6% |
| RTX RTX Corp. | 1.08% | 15,105 | $2.8M | No change |
| RSP Invesco S&P 500 Equal Weight | 1.02% | 13,663 | $2.6M | Reduce -1.9% |
| CBSH Commerce Bancshares Inc. | 1.01% | 44,863 | $2.6M | New |
| AAPL Apple Inc. | 0.90% | 8,475 | $2.3M | Add +1.6% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.88% | 3 | $2.3M | Add +50.0% |
| KEY Keycorp | 0.68% | 83,952 | $1.7M | New |
| PGR Progressive Corp. | 0.63% | 7,056 | $1.6M | New |
| MSFT Microsoft Corp. | 0.52% | 2,730 | $1.3M | Reduce -3.0% |
| NVDA Nvidia Corp. | 0.45% | 6,202 | $1.2M | Add +3.2% |
| SCHV Schwab US Large-Cap Value | 0.45% | 34,807 | $1.1M | Reduce -76.7% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.38% | 3,729 | $962K | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.35% | 1,332 | $908K | Reduce -1.8% |
| EFA iShares MSCI Eafe ETF | 0.34% | 9,146 | $878K | Reduce -1.1% |
| APH Amphenol Corp. Class A | 0.33% | 6,284 | $849K | New |
| JPM JPMorgan Chase & Co. | 0.28% | 2,213 | $713K | No change |
| CARR Carrier Global Corp. | 0.28% | 13,381 | $707K | No change |
| EWZ iShares MSCI Brazil ETF | 0.27% | 3,688 | $685K | New |
| OTIS Otis Worldwide Corp. | 0.23% | 6,690 | $584K | No change |
| SCHB Schwab US Broad Market ETF | 0.22% | 21,744 | $570K | Reduce -5.2% |
| CAT Caterpillar Inc. | 0.20% | 885 | $507K | Reduce -2.9% |
| V Visa Inc. Class A | 0.18% | 1,292 | $453K | Reduce -3.7% |
| HD Home Depot Inc. | 0.18% | 1,313 | $452K | Add +0.4% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.16% | 12,580 | $410K | Reduce -67.9% |
| META Meta Platforms Inc. Class A | 0.13% | 522 | $345K | Add +13.7% |
| AMGN Amgen Inc. | 0.13% | 1,041 | $341K | No change |
| XOM Exxon Mobil Corp. | 0.13% | 2,702 | $325K | No change |
| TSLA Tesla Inc. | 0.13% | 719 | $323K | No change |
| VOO Vanguard S&P 500 ETF | 0.11% | 469 | $294K | Add +2.2% |
| MRK Merck & Co. Inc. | 0.11% | 2,778 | $292K | Reduce -8.3% |
| AMZN Amazon.com Inc. | 0.11% | 1,241 | $286K | Add +2.4% |
| SHW The Sherwin-Williams Co. | 0.11% | 873 | $283K | No change |
| SCHX Schwab US Large-Cap ETF | 0.11% | 9,987 | $274K | New |
| EEM iShares MSCI Emerging Market | 0.11% | 4,967 | $272K | No change |
| JNJ Johnson & Johnson | 0.09% | 1,141 | $236K | No change |
| SO The Southern Co. | 0.09% | 2,671 | $233K | No change |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.09% | 4,131 | $227K | No change |
| CVX Chevron Corp. | 0.08% | 1,379 | $210K | No change |
Portfolio Sells Q3 2025 → Q4 2025
| BNDX Vanguard Total Intl Bond ETF | Sold out | 0.00% | −6.09 |
| BSV Vanguard Short-Term Bond ETF | Sold out | 0.00% | −4.92 |
| BLV Vanguard Long-Term Bond ETF | Sold out | 0.00% | −3.64 |
| FNDE Schwab Fndmntl Em MRK Eq ETF | Sold out | 0.00% | −3.56 |
| SCHZ Schwab US Aggregate Bond ETF | Sold out | 0.00% | −3.12 |
| REET iShares Global REIT ETF | Sold out | 0.00% | −2.77 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Sold out | 0.00% | −2.02 |
| MUB iShares National Muni Bond E | Sold out | 0.00% | −1.22 |
| SCHV Schwab US Large-Cap Value | Reduce -76.7% | 0.45% | −1.06 |
| VNQ Vanguard Real Estate ETF | Sold out | 0.00% | −0.56 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -67.9% | 0.16% | −0.29 |
| URTH iShares MSCI World ETF | Sold out | 0.00% | −0.23 |
| IBDQ iShares Ibonds Dec 2025 Term | Sold out | 0.00% | −0.15 |
| NFG National Fuel Gas Co. | Sold out | 0.00% | −0.10 |
| SCHD Schwab US DVD Equity ETF | Sold out | 0.00% | −0.09 |
| IBDT iShares Ibonds Dec 2028 ETF | Sold out | 0.00% | −0.09 |
| ABBV Abbvie Inc. | Sold out | 0.00% | −0.07 |
| MSFT Microsoft Corp. | Reduce -3.0% | 0.52% | +0.01 |
| V Visa Inc. Class A | Reduce -3.7% | 0.18% | +0.02 |
| SCHB Schwab US Broad Market ETF | Reduce -5.2% | 0.22% | +0.02 |
| MRK Merck & Co. Inc. | Reduce -8.3% | 0.11% | +0.03 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -1.8% | 0.35% | +0.04 |
| EFA iShares MSCI Eafe ETF | Reduce -1.1% | 0.34% | +0.04 |
| CAT Caterpillar Inc. | Reduce -2.9% | 0.20% | +0.05 |
| RSP Invesco S&P 500 Equal Weight | Reduce -1.9% | 1.02% | +0.11 |
| VWO Vanguard Ftse Emerging Marke | Reduce -0.7% | 4.27% | +0.43 |
| SCHA Schwab US Small-Cap ETF | Reduce -1.5% | 7.51% | +0.90 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -4.8% | 11.76% | +1.01 |
| VEA Vanguard Ftse Developed ETF | Reduce -0.3% | 9.51% | +1.41 |
| IVV iShares Core S&P 500 ETF | Reduce -2.6% | 23.84% | +2.68 |
Portfolio Buys Q3 2025 → Q4 2025
| DFNM Dimensional National Muni BD | New | 9.31% | +9.31 |
| DFSV Dimensional US Small Cap Val | New | 3.93% | +3.93 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | New | 2.26% | +2.26 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +2.4% | 11.38% | +1.77 |
| SCHG Schwab US Large-Cap Growth | Add +1073.6% | 1.71% | +1.57 |
| CBSH Commerce Bancshares Inc. | New | 1.01% | +1.01 |
| KEY Keycorp | New | 0.68% | +0.68 |
| PGR Progressive Corp. | New | 0.63% | +0.63 |
| BRK.A Berkshire Hathaway Inc. Class A | Add +50.0% | 0.88% | +0.36 |
| APH Amphenol Corp. Class A | New | 0.33% | +0.33 |
| SCHF Schwab Intl Equity ETF | Add +0.1% | 1.99% | +0.29 |
| EWZ iShares MSCI Brazil ETF | New | 0.27% | +0.27 |
| AAPL Apple Inc. | Add +1.6% | 0.90% | +0.17 |
| SCHX Schwab US Large-Cap ETF | New | 0.11% | +0.11 |
| NVDA Nvidia Corp. | Add +3.2% | 0.45% | +0.06 |
| AMZN Amazon.com Inc. | Add +2.4% | 0.11% | +0.02 |
| META Meta Platforms Inc. Class A | Add +13.7% | 0.13% | +0.02 |
| VOO Vanguard S&P 500 ETF | Add +2.2% | 0.11% | +0.02 |
| HD Home Depot Inc. | Add +0.4% | 0.18% | −0.01 |
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 |