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Waterford Advisors, LLC

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13F filer, CIK 1960657, ORCHARD PARK, NY

Waterford Advisors, LLC reported $289,210,771 across 54 holdings for the quarter ended 2025-09-30, in a 13F-HR filed 2025-11-14. Its ten largest share positions make up 78.26% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001960657-25-000007

Period
2025-09-30
Reported value
$289M
Holdings
54
Top 10 weight
78.26%
New
5
Sold out
4

Largest buys vs the previous quarter

SecurityShares changeApprox. value
IVVadded+88,235$59.1M
VUGadded+63,504$30.5M
VTVadded+145,291$27.1M
VEAadded+390,156$23.4M
SCHAadded+644,140$18M

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Largest sells vs the previous quarter

SecurityShares changeApprox. value
BRK-Areduced-529,662-$399B
RTXreduced-654,158-$109M
VBreduced-378,992-$96.4M
AAPLreduced-268,148-$68.3M
METAreduced-89,084-$65.4M

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Holdings, Q3 2025

Share positions as resolved from 13F-HR 0001960657-25-000007, largest first. % of portfolio is the value over $289,210,771, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
IVVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 82,570 shares; 2024Q4: 86,138 shares; 2025Q1: 86,215 shares; 2025Q2: 3,208 shares; 2025Q3: 91,443 shares 91,443$61.2M21.16%+88,235Timeline
VUGVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 59,098 shares; 2024Q4: 60,296 shares; 2025Q1: 62,075 shares; 2025Q2: 1,280 shares; 2025Q3: 64,784 shares 64,784$31.1M10.74%+63,504Timeline
VTVVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 130,592 shares; 2024Q4: 135,279 shares; 2025Q1: 141,050 shares; 2025Q2: 3,709 shares; 2025Q3: 149,000 shares 149,000$27.8M9.61%+145,291Timeline
VEAVANGUARD TAX-MANAGED FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 338,687 shares; 2024Q4: 359,510 shares; 2025Q1: 372,890 shares; 2025Q2: 873 shares; 2025Q3: 391,029 shares 391,029$23.4M8.1%+390,156Timeline
SCHASCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 626,777 shares; 2025Q1: 638,087 shares; 2025Q2: 40,803 shares; 2025Q3: 684,943 shares 684,943$19.1M6.61%+644,140Timeline
BNDXVANGUARD CHARLOTTE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 327,908 shares; 2025Q2: 2,671 shares; 2025Q3: 356,207 shares 356,207$17.6M6.09%+353,536Timeline
BSVVANGUARD BD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 148,894 shares; 2024Q4: not reported; 2025Q1: 160,970 shares; 2025Q2: 4,967 shares; 2025Q3: 180,361 shares 180,361$14.2M4.92%+175,394Timeline
VWOVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 179,876 shares; 2024Q4: 185,273 shares; 2025Q1: 191,050 shares; 2025Q2: 1,357 shares; 2025Q3: 204,520 shares 204,520$11.1M3.83%+203,163Timeline
BLVVANGUARD BD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 131,711 shares; 2025Q2: 44,863 shares; 2025Q3: 148,409 shares 148,409$10.5M3.64%+103,546Timeline
FNDESCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 270,625 shares; 2025Q1: 270,716 shares; 2025Q2: 213,080 shares; 2025Q3: 284,343 shares 284,343$10.3M3.56%+71,263Timeline
SCHZSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 345,285 shares; 2025Q2: 13,381 shares; 2025Q3: 384,326 shares 384,326$9.02M3.12%+370,945Timeline
REETISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 269,669 shares; 2024Q4: 285,271 shares; 2025Q1: 299,503 shares; 2025Q2: 34,411 shares; 2025Q3: 313,620 shares 313,620$8.02M2.77%+279,209Timeline
MGCVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 26,347 shares; 2024Q4: 25,946 shares; 2025Q1: 24,325 shares; 2025Q2: 877 shares; 2025Q3: 23,949 shares 23,949$5.85M2.02%+23,072Timeline
SCHFSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 128,146 shares; 2024Q4: 256,459 shares; 2025Q1: 213,185 shares; 2025Q2: 167,951 shares; 2025Q3: 211,808 shares 211,808$4.93M1.7%+43,857Timeline
SCHVSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 49,382 shares; 2024Q4: 148,145 shares; 2025Q1: 145,874 shares; 2025Q2: 336,201 shares; 2025Q3: 149,374 shares 149,374$4.35M1.5%-186,827Timeline
MUBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 40,639 shares; 2024Q4: not reported; 2025Q1: 37,233 shares; 2025Q2: 1,044 shares; 2025Q3: 33,098 shares 33,098$3.52M1.22%+32,054Timeline
RSPINVESCO EXCHANGE TRADED FD TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 16,312 shares; 2024Q4: 16,232 shares; 2025Q1: 15,509 shares; 2025Q2: 762 shares; 2025Q3: 13,928 shares 13,928$2.64M0.91%+13,166Timeline
RTXRTX CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 14,947 shares; 2024Q4: 14,947 shares; 2025Q1: 14,947 shares; 2025Q2: 669,263 shares; 2025Q3: 15,105 shares 15,105$2.53M0.87%-654,158Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,370 shares; 2024Q4: 8,367 shares; 2025Q1: 8,316 shares; 2025Q2: 276,491 shares; 2025Q3: 8,343 shares 8,343$2.12M0.73%-268,148Timeline
VNQVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 21,329 shares; 2024Q4: 21,329 shares; 2025Q1: 20,907 shares; 2025Q2: 3,688 shares; 2025Q3: 17,832 shares 17,832$1.63M0.56%+14,144Timeline
BRK-ABERKSHIRE HATHAWAY INC DELQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 300 shares; 2025Q1: 2 shares; 2025Q2: 529,664 shares; 2025Q3: 2 shares 2$1.51M0.52%-529,662Timeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,612 shares; 2024Q4: 2,788 shares; 2025Q1: 2,778 shares; 2025Q2: 1,268 shares; 2025Q3: 2,814 shares 2,814$1.46M0.5%+1,546Timeline
SCHESCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 55,271 shares; 2024Q4: 52,821 shares; 2025Q1: 49,931 shares; 2025Q2: 3 shares; 2025Q3: 39,160 shares 39,160$1.31M0.45%+39,157Timeline
NVDANVIDIA CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 6,310 shares; 2024Q4: 5,276 shares; 2025Q1: 6,010 shares; 2025Q2: 14,018 shares; 2025Q3: 6,012 shares 6,012$1.12M0.39%-8,006Timeline
VBVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,797 shares; 2024Q4: 3,665 shares; 2025Q1: 3,649 shares; 2025Q2: 382,721 shares; 2025Q3: 3,729 shares 3,729$948K0.33%-378,992Timeline
SPYSTATE STR SPDR S&P 500 ETF TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 914 shares; 2024Q4: 828 shares; 2025Q1: 1,380 shares; 2025Q2: 22,944 shares; 2025Q3: 1,357 shares 1,357$904K0.31%-21,587Timeline
EFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,592 shares; 2024Q4: 7,737 shares; 2025Q1: 9,246 shares; 2025Q2: 2,778 shares; 2025Q3: 9,246 shares 9,246$863K0.3%+6,468Timeline
CARRCARRIER GLOBAL CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 13,381 shares; 2024Q4: 13,381 shares; 2025Q1: 13,381 shares; 2025Q2: 1,308 shares; 2025Q3: 13,381 shares 13,381$799K0.28%+12,073Timeline
JPMJPMORGAN CHASE & COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,257 shares; 2024Q4: 2,157 shares; 2025Q1: 2,157 shares; 2025Q2: 5,876 shares; 2025Q3: 2,213 shares 2,213$698K0.24%-3,663Timeline
URTHISHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,688 shares; 2024Q4: 3,688 shares; 2025Q1: 3,688 shares; 2025Q2: 24,250 shares; 2025Q3: 3,688 shares 3,688$670K0.23%-20,562Timeline
OTISOTIS WORLDWIDE CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 6,690 shares; 2024Q4: 6,690 shares; 2025Q1: 6,690 shares; 2025Q2: 14,947 shares; 2025Q3: 6,690 shares 6,690$612K0.21%-8,257Timeline
SCHBSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,648 shares; 2024Q4: 22,944 shares; 2025Q1: 22,944 shares; 2025Q2: 139,009 shares; 2025Q3: 22,944 shares 22,944$590K0.2%-116,065Timeline
HDHOME DEPOT INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,308 shares; 2024Q4: 1,320 shares; 2025Q1: 1,308 shares; 2025Q2: 2,157 shares; 2025Q3: 1,308 shares 1,308$530K0.18%-849Timeline
VVISA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,305 shares; 2024Q4: 1,280 shares; 2025Q1: 1,280 shares; 2025Q2: 20,908 shares; 2025Q3: 1,342 shares 1,342$458K0.16%-19,566Timeline
CATCATERPILLAR INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 877 shares; 2024Q4: 877 shares; 2025Q1: 877 shares; 2025Q2: 8,316 shares; 2025Q3: 911 shares 911$435K0.15%-7,405Timeline
ISHARES TRISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 18,830 shares; 2024Q4: not reported; 2025Q1: 16,947 shares; 2025Q2: 3,133 shares; 2025Q3: 17,172 shares 17,172$433K0.15%+14,039
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,145 shares; 2024Q4: 12,580 shares; 2025Q1: 12,580 shares; 2025Q2: 9,987 shares; 2025Q3: 12,580 shares 12,580$401K0.14%+2,593Timeline
METAMETA PLATFORMS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 460 shares; 2024Q4: 460 shares; 2025Q1: 460 shares; 2025Q2: 89,543 shares; 2025Q3: 459 shares 459$337K0.12%-89,084Timeline
TSLATESLA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 688 shares; 2025Q1: not reported; 2025Q2: 2,702 shares; 2025Q3: 719 shares 719$320K0.11%-1,983Timeline
XOMEXXON MOBIL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,802 shares; 2024Q4: 2,802 shares; 2025Q1: 2,702 shares; 2025Q2: 17,058 shares; 2025Q3: 2,702 shares 2,702$305K0.11%-14,356Timeline
SHWSHERWIN WILLIAMS COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 873 shares; 2024Q4: 873 shares; 2025Q1: 873 shares; 2025Q2: 149,374 shares; 2025Q3: 873 shares 873$302K0.1%-148,501Timeline
AMGNAMGEN INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,041 shares; 2024Q4: 1,041 shares; 2025Q1: 1,041 shares; 2025Q2: 459 shares; 2025Q3: 1,041 shares 1,041$294K0.1%+582Timeline
NFGNATIONAL FUEL GAS COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 6,690 shares; 2024Q4: 6,690 shares; 2025Q1: 3,000 shares; 2025Q2: 302,717 shares; 2025Q3: 3,131 shares 3,131$289K0.1%-299,586Timeline
VOOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 592 shares; 2024Q4: 607 shares; 2025Q1: 607 shares; 2025Q2: 722 shares; 2025Q3: 459 shares 459$281K0.1%-263Timeline
SCHDSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,329 shares; 2024Q4: 9,987 shares; 2025Q1: 9,987 shares; 2025Q2: 12,580 shares; 2025Q3: 9,987 shares 9,987$273K0.09%-2,593Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,137 shares; 2024Q4: 1,137 shares; 2025Q1: 1,065 shares; 2025Q2: 9,246 shares; 2025Q3: 1,212 shares 1,212$266K0.09%-8,034Timeline
EEMISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,967 shares; 2024Q4: 4,967 shares; 2025Q1: 4,967 shares; 2025Q2: 1,041 shares; 2025Q3: 4,967 shares 4,967$265K0.09%+3,926Timeline
MRKMERCK & CO INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,208 shares; 2024Q4: 3,208 shares; 2025Q1: 3,208 shares; 2025Q2: 6,690 shares; 2025Q3: 3,028 shares 3,028$254K0.09%-3,662Timeline
SOSOUTHERN COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,671 shares; 2024Q4: 2,671 shares; 2025Q1: 2,671 shares; 2025Q2: 351,703 shares; 2025Q3: 2,671 shares 2,671$253K0.09%-349,032Timeline
IBDTISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 9,656 shares 9,656$246K0.09%newTimeline
CVXCHEVRON CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 1,379 shares 1,379$214K0.07%newTimeline
BACBANK OF AMER CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 4,131 shares 4,131$213K0.07%newTimeline
ABBVABBVIE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 959 shares; 2025Q2: not reported; 2025Q3: 919 shares 919$213K0.07%newTimeline
JNJJOHNSON & JOHNSONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,443 shares; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 1,141 shares 1,141$212K0.07%newTimeline

Sold out in Q3 2025

Positions in the previous quarter's report that this quarter's report no longer lists.

SecurityShares beforeValue beforeType
CBUCOMMUNITY FINANCIAL SYSTEM I64,107$2.55Mshares
PGRPROGRESSIVE CORP199,090$1.88Mshares
APHAMPHENOL CORP144,576$621Kshares
PGPROCTER & GAMBLE CO6,284$202Kshares

How Q3 2025 was built

Available 13F filings of this filer for the quarter and their roles: the base report is the latest original or restatement, NEW HOLDINGS amendments filed after it are added (method).

FilingRoleAmendmentFiledAcceptedIngested
13F-HR 0001960657-25-000007 base2025-11-14acceptance time not in the bulk data set