Institutional Manager · CIK 0001960657
Waterford Advisors, LLC
ORCHARD PARK, NY · File #028-22982
Latest AUM
$256.0M
Positions
48
Top-10 Concentration
85.7%
Filings
9
Portfolio Value Over Time
2024-03
2024-06
2024-09
2024-12
2025-03
2025-06
2025-09
2025-12
Biggest QoQ Changes
Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.
| Action | Issuer | Ticker / CUSIP | Δ Shares | Flow ($) | Price Effect |
|---|---|---|---|---|---|
| NEW | DIMENSIONAL ETF TRUST | 25434V849 | +527,277 | +$23.8M | $0 |
| EXITED | VANGUARD CHARLOTTE FDS | 92203J407 | -356,207 | -$17.6M | $0 |
| EXITED | VANGUARD BD INDEX FDS | 921937827 | -180,361 | -$14.2M | $0 |
| EXITED | VANGUARD BD INDEX FDS | 921937793 | -148,409 | -$10.5M | $0 |
| EXITED | SCHWAB STRATEGIC TR | 808524730 | -284,343 | -$10.3M | $0 |
| NEW | DIMENSIONAL ETF TRUST | 25434V815 | +279,065 | +$10.1M | $0 |
| EXITED | SCHWAB STRATEGIC TR | 808524839 | -384,326 | -$9.0M | $0 |
| EXITED | ISHARES TR | 46434V647 | -313,620 | -$8.0M | $0 |
| EXITED | VANGUARD WORLD FD | 921910873 | -23,949 | -$5.8M | $0 |
| NEW | VANGUARD INDEX FDS | 922908538 | +22,986 | +$5.8M | $0 |
Sector Allocation
Filing History
- 13F HOLDINGS REPORTQ/E Dec 202548 pos · $256.0M
- 13F HOLDINGS REPORTQ/E Sep 202554 pos · $289.2M
- 13F HOLDINGS REPORTQ/E Jun 202553 pos · $268.1M
- 13F HOLDINGS REPORTQ/E Mar 202551 pos · $241.0M
- 13F HOLDINGS REPORTQ/E Dec 202446 pos · $196.4M
- 13F HOLDINGS REPORTQ/E Sep 202450 pos · $196.0M
- 13F HOLDINGS REPORTQ/E Jun 202454 pos · $238.5M
- 13F HOLDINGS REPORTQ/E Mar 202455 pos · $235.7M
- 13F HOLDINGS REPORTQ/E Dec 202347 pos · $178.8M
Top 20 Holdings — Dec 2025
| # | Issuer | Ticker | Shares | Value | % of Portfolio |
|---|---|---|---|---|---|
| 1 | ISHARES TR | 464287200 | 89,097 | $61.0M | 23.84% |
| 2 | VANGUARD INDEX FDS | 922908736 | 61,689 | $30.1M | 11.76% |
| 3 | VANGUARD INDEX FDS | 922908744 | 152,498 | $29.1M | 11.38% |
| 4 | VANGUARD TAX-MANAGED FDS | 921943858 | 389,663 | $24.3M | 9.51% |
| 5 | DIMENSIONAL ETF TRUST | 25434V849 | 527,277 | $23.8M | 9.31% |
| 6 | SCHWAB STRATEGIC TR | 808524607 | 674,601 | $19.2M | 7.51% |
| 7 | VANGUARD INTL EQUITY INDEX F | 922042858 | 203,140 | $10.9M | 4.27% |
| 8 | DIMENSIONAL ETF TRUST | 25434V815 | 279,065 | $10.1M | 3.93% |
| 9 | VANGUARD INDEX FDS | 922908538 | 22,986 | $5.8M | 2.26% |
| 10 | SCHWAB STRATEGIC TR | 808524805 | 212,113 | $5.1M | 1.99% |
| 11 | SCHWAB STRATEGIC TR | 808524300 | 147,643 | $4.4M | 1.71% |
| 12 | RTX CORPORATION | RTX | 15,105 | $2.8M | 1.08% |
| 13 | INVESCO EXCHANGE TRADED FD T | IVZ | 13,663 | $2.6M | 1.02% |
| 14 | COMMERCE BANCSHARES INC | CBSH | 44,863 | $2.6M | 1.01% |
| 15 | APPLE INC | AAPL | 8,475 | $2.3M | 0.90% |
| 16 | BERKSHIRE HATHAWAY INC DEL | BRK-A | 3 | $2.3M | 0.88% |
| 17 | KEYCORP | 493267108 | 83,952 | $1.7M | 0.68% |
| 18 | PROGRESSIVE CORP | 743315103 | 7,056 | $1.6M | 0.63% |
| 19 | MICROSOFT CORP | MSFT | 2,730 | $1.3M | 0.52% |
| 20 | NVIDIA CORPORATION | NVDA | 6,202 | $1.2M | 0.45% |