13F HOLDINGS REPORT
Waterford Advisors, LLC
Quarter ended Q3 2025 · Filed November 14, 2025 · Accession 0001960657-25-000007
Total Value
$289.2M
Positions
54
Other Managers
0
Confidential Omitted
No
Holdings (54)
| # | Issuer | Ticker / CUSIP | Shares | Value | % of Filing |
|---|---|---|---|---|---|
| 1 | ISHARES TR | 464287200 | 91,443 | $61.2M | 21.16% |
| 2 | VANGUARD INDEX FDS | 922908736 | 64,784 | $31.1M | 10.74% |
| 3 | VANGUARD INDEX FDS | 922908744 | 149,000 | $27.8M | 9.61% |
| 4 | VANGUARD TAX-MANAGED FDS | 921943858 | 391,029 | $23.4M | 8.10% |
| 5 | SCHWAB STRATEGIC TR | 808524607 | 684,943 | $19.1M | 6.61% |
| 6 | VANGUARD CHARLOTTE FDS | 92203J407 | 356,207 | $17.6M | 6.09% |
| 7 | VANGUARD BD INDEX FDS | 921937827 | 180,361 | $14.2M | 4.92% |
| 8 | VANGUARD INTL EQUITY INDEX F | 922042858 | 204,520 | $11.1M | 3.83% |
| 9 | VANGUARD BD INDEX FDS | 921937793 | 148,409 | $10.5M | 3.64% |
| 10 | SCHWAB STRATEGIC TR | 808524730 | 284,343 | $10.3M | 3.56% |
| 11 | SCHWAB STRATEGIC TR | 808524839 | 384,326 | $9.0M | 3.12% |
| 12 | ISHARES TR | 46434V647 | 313,620 | $8.0M | 2.77% |
| 13 | VANGUARD WORLD FD | 921910873 | 23,949 | $5.8M | 2.02% |
| 14 | SCHWAB STRATEGIC TR | 808524805 | 211,808 | $4.9M | 1.70% |
| 15 | SCHWAB STRATEGIC TR | 808524409 | 149,374 | $4.3M | 1.50% |
| 16 | ISHARES TR | 464288414 | 33,098 | $3.5M | 1.22% |
| 17 | INVESCO EXCHANGE TRADED FD T | IVZ | 13,928 | $2.6M | 0.91% |
| 18 | RTX CORPORATION | RTX | 15,105 | $2.5M | 0.87% |
| 19 | APPLE INC | AAPL | 8,343 | $2.1M | 0.73% |
| 20 | VANGUARD INDEX FDS | 922908553 | 17,832 | $1.6M | 0.56% |
| 21 | BERKSHIRE HATHAWAY INC DEL | BRK-A | 2 | $1.5M | 0.52% |
| 22 | MICROSOFT CORP | MSFT | 2,814 | $1.5M | 0.50% |
| 23 | SCHWAB STRATEGIC TR | 808524706 | 39,160 | $1.3M | 0.45% |
| 24 | NVIDIA CORPORATION | NVDA | 6,012 | $1.1M | 0.39% |
| 25 | VANGUARD INDEX FDS | 922908751 | 3,729 | $948,210 | 0.33% |
| 26 | SPDR S&P 500 ETF TR | SPY | 1,357 | $904,006 | 0.31% |
| 27 | ISHARES TR | 464287465 | 9,246 | $863,299 | 0.30% |
| 28 | CARRIER GLOBAL CORPORATION | CARR | 13,381 | $798,846 | 0.28% |
| 29 | JPMORGAN CHASE & CO. | VYLD | 2,213 | $698,047 | 0.24% |
| 30 | ISHARES INC | 464286392 | 3,688 | $669,593 | 0.23% |
| 31 | OTIS WORLDWIDE CORP | OTIS | 6,690 | $611,667 | 0.21% |
| 32 | SCHWAB STRATEGIC TR | 808524102 | 22,944 | $589,890 | 0.20% |
| 33 | HOME DEPOT INC | HD | 1,308 | $529,989 | 0.18% |
| 34 | VISA INC | V | 1,342 | $458,132 | 0.16% |
| 35 | CATERPILLAR INC | CAT | 911 | $434,684 | 0.15% |
| 36 | ISHARES TR | 46434VBD1 | 17,172 | $432,565 | 0.15% |
| 37 | SCHWAB STRATEGIC TR | 808524300 | 12,580 | $401,428 | 0.14% |
| 38 | META PLATFORMS INC | META | 459 | $337,080 | 0.12% |
| 39 | TESLA INC | TSLA | 719 | $319,754 | 0.11% |
| 40 | EXXON MOBIL CORP | XOM | 2,702 | $304,703 | 0.11% |
| 41 | SHERWIN WILLIAMS CO | SHW | 873 | $302,285 | 0.10% |
| 42 | AMGEN INC | AMGN | 1,041 | $293,770 | 0.10% |
| 43 | NATIONAL FUEL GAS CO | NFG | 3,131 | $289,210 | 0.10% |
| 44 | VANGUARD INDEX FDS | 922908363 | 459 | $281,107 | 0.10% |
| 45 | SCHWAB STRATEGIC TR | 808524797 | 9,987 | $272,645 | 0.09% |
| 46 | AMAZON COM INC | AMZN | 1,212 | $266,119 | 0.09% |
| 47 | ISHARES TR | 464287234 | 4,967 | $265,238 | 0.09% |
| 48 | MERCK & CO INC | MRK | 3,028 | $254,140 | 0.09% |
| 49 | SOUTHERN CO | SOMN | 2,671 | $253,131 | 0.09% |
| 50 | ISHARES TR | 46435U515 | 9,656 | $246,431 | 0.09% |
| 51 | CHEVRON CORP NEW | CVX | 1,379 | $214,145 | 0.07% |
| 52 | BANK AMERICA CORP | 060505104 | 4,131 | $213,118 | 0.07% |
| 53 | ABBVIE INC | ABBV | 919 | $212,785 | 0.07% |
| 54 | JOHNSON & JOHNSON | JNJ | 1,141 | $211,564 | 0.07% |