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Waterford Advisors, LLC

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13F filer, CIK 1960657, ORCHARD PARK, NY

Waterford Advisors, LLC reported $255,979,752 across 48 holdings for the quarter ended 2025-12-31, in a 13F-HR filed 2026-02-20. Its ten largest share positions make up 85.75% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001960657-26-000001

Period
2025-12-31
Reported value
$256M
Holdings
48
Top 10 weight
85.75%
New
9
Sold out
15

Largest buys vs the previous quarter

SecurityShares changeApprox. value
DFNMnew+527,277$23.8M
DFSVnew+279,065$10.1M
VOTnew+22,986$5.77M
SCHGadded+135,063$4M
CBSHnew+44,863$2.58M

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
BNDXexited-356,207-$17.6M
BSVexited-180,361-$14.2M
BLVexited-148,409-$10.5M
FNDEexited-284,343-$10.3M
SCHZexited-384,326-$9.02M

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, Q4 2025

Share positions as resolved from 13F-HR 0001960657-26-000001, largest first. % of portfolio is the value over $255,979,752, 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; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 82,570 shares; 2024Q4: 86,138 shares; 2025Q1: 86,215 shares; 2025Q2: 3,208 shares; 2025Q3: 91,443 shares; 2025Q4: 89,097 shares 89,097$61M23.84%-2,346Timeline
VUGVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 59,098 shares; 2024Q4: 60,296 shares; 2025Q1: 62,075 shares; 2025Q2: 1,280 shares; 2025Q3: 64,784 shares; 2025Q4: 61,689 shares 61,689$30.1M11.76%-3,095Timeline
VTVVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 130,592 shares; 2024Q4: 135,279 shares; 2025Q1: 141,050 shares; 2025Q2: 3,709 shares; 2025Q3: 149,000 shares; 2025Q4: 152,498 shares 152,498$29.1M11.38%+3,498Timeline
VEAVANGUARD TAX-MANAGED FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 338,687 shares; 2024Q4: 359,510 shares; 2025Q1: 372,890 shares; 2025Q2: 873 shares; 2025Q3: 391,029 shares; 2025Q4: 389,663 shares 389,663$24.3M9.51%-1,366Timeline
DFNMDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 527,277 shares 527,277$23.8M9.31%newTimeline
SCHASCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 626,777 shares; 2025Q1: 638,087 shares; 2025Q2: 40,803 shares; 2025Q3: 684,943 shares; 2025Q4: 674,601 shares 674,601$19.2M7.51%-10,342Timeline
VWOVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 179,876 shares; 2024Q4: 185,273 shares; 2025Q1: 191,050 shares; 2025Q2: 1,357 shares; 2025Q3: 204,520 shares; 2025Q4: 203,140 shares 203,140$10.9M4.27%-1,380Timeline
DFSVDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 279,065 shares 279,065$10.1M3.93%newTimeline
VOTVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 22,986 shares 22,986$5.77M2.26%newTimeline
SCHFSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 128,146 shares; 2024Q4: 256,459 shares; 2025Q1: 213,185 shares; 2025Q2: 167,951 shares; 2025Q3: 211,808 shares; 2025Q4: 212,113 shares 212,113$5.1M1.99%+305Timeline
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,145 shares; 2024Q4: 12,580 shares; 2025Q1: 12,580 shares; 2025Q2: 9,987 shares; 2025Q3: 12,580 shares; 2025Q4: 147,643 shares 147,643$4.37M1.71%+135,063Timeline
RTXRTX CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 14,947 shares; 2024Q4: 14,947 shares; 2025Q1: 14,947 shares; 2025Q2: 669,263 shares; 2025Q3: 15,105 shares; 2025Q4: 15,105 shares 15,105$2.77M1.08%0Timeline
RSPINVESCO EXCHANGE TRADED FD TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 16,312 shares; 2024Q4: 16,232 shares; 2025Q1: 15,509 shares; 2025Q2: 762 shares; 2025Q3: 13,928 shares; 2025Q4: 13,663 shares 13,663$2.62M1.02%-265Timeline
CBSHCOMMERCE BANCSHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 44,863 shares 44,863$2.58M1.01%newTimeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,370 shares; 2024Q4: 8,367 shares; 2025Q1: 8,316 shares; 2025Q2: 276,491 shares; 2025Q3: 8,343 shares; 2025Q4: 8,475 shares 8,475$2.3M0.9%+132Timeline
BRK-ABERKSHIRE HATHAWAY INC DELQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 300 shares; 2025Q1: 2 shares; 2025Q2: 529,664 shares; 2025Q3: 2 shares; 2025Q4: 3 shares 3$2.26M0.88%+1Timeline
KEYKEYCORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 83,952 shares 83,952$1.73M0.68%newTimeline
PGRPROGRESSIVE CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 199,090 shares; 2025Q3: not reported; 2025Q4: 7,056 shares 7,056$1.61M0.63%newTimeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,612 shares; 2024Q4: 2,788 shares; 2025Q1: 2,778 shares; 2025Q2: 1,268 shares; 2025Q3: 2,814 shares; 2025Q4: 2,730 shares 2,730$1.32M0.52%-84Timeline
NVDANVIDIA CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 6,310 shares; 2024Q4: 5,276 shares; 2025Q1: 6,010 shares; 2025Q2: 14,018 shares; 2025Q3: 6,012 shares; 2025Q4: 6,202 shares 6,202$1.16M0.45%+190Timeline
SCHVSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 49,382 shares; 2024Q4: 148,145 shares; 2025Q1: 145,874 shares; 2025Q2: 336,201 shares; 2025Q3: 149,374 shares; 2025Q4: 34,807 shares 34,807$1.14M0.45%-114,567Timeline
VBVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,797 shares; 2024Q4: 3,665 shares; 2025Q1: 3,649 shares; 2025Q2: 382,721 shares; 2025Q3: 3,729 shares; 2025Q4: 3,729 shares 3,729$962K0.38%0Timeline
SPYSTATE STR SPDR S&P 500 ETF TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 914 shares; 2024Q4: 828 shares; 2025Q1: 1,380 shares; 2025Q2: 22,944 shares; 2025Q3: 1,357 shares; 2025Q4: 1,332 shares 1,332$908K0.35%-25Timeline
EFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,592 shares; 2024Q4: 7,737 shares; 2025Q1: 9,246 shares; 2025Q2: 2,778 shares; 2025Q3: 9,246 shares; 2025Q4: 9,146 shares 9,146$878K0.34%-100Timeline
APHAMPHENOL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 10,284 shares; 2024Q4: 10,284 shares; 2025Q1: not reported; 2025Q2: 144,576 shares; 2025Q3: not reported; 2025Q4: 6,284 shares 6,284$849K0.33%newTimeline
JPMJPMORGAN CHASE & COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,257 shares; 2024Q4: 2,157 shares; 2025Q1: 2,157 shares; 2025Q2: 5,876 shares; 2025Q3: 2,213 shares; 2025Q4: 2,213 shares 2,213$713K0.28%0Timeline
CARRCARRIER GLOBAL CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 13,381 shares; 2024Q4: 13,381 shares; 2025Q1: 13,381 shares; 2025Q2: 1,308 shares; 2025Q3: 13,381 shares; 2025Q4: 13,381 shares 13,381$707K0.28%0Timeline
EWZISHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 3,688 shares 3,688$685K0.27%newTimeline
OTISOTIS WORLDWIDE CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 6,690 shares; 2024Q4: 6,690 shares; 2025Q1: 6,690 shares; 2025Q2: 14,947 shares; 2025Q3: 6,690 shares; 2025Q4: 6,690 shares 6,690$584K0.23%0Timeline
SCHBSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,648 shares; 2024Q4: 22,944 shares; 2025Q1: 22,944 shares; 2025Q2: 139,009 shares; 2025Q3: 22,944 shares; 2025Q4: 21,744 shares 21,744$570K0.22%-1,200Timeline
CATCATERPILLAR INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 877 shares; 2024Q4: 877 shares; 2025Q1: 877 shares; 2025Q2: 8,316 shares; 2025Q3: 911 shares; 2025Q4: 885 shares 885$507K0.2%-26Timeline
VVISA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,305 shares; 2024Q4: 1,280 shares; 2025Q1: 1,280 shares; 2025Q2: 20,908 shares; 2025Q3: 1,342 shares; 2025Q4: 1,292 shares 1,292$453K0.18%-50Timeline
HDHOME DEPOT INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,308 shares; 2024Q4: 1,320 shares; 2025Q1: 1,308 shares; 2025Q2: 2,157 shares; 2025Q3: 1,308 shares; 2025Q4: 1,313 shares 1,313$452K0.18%+5Timeline
SCHESCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 55,271 shares; 2024Q4: 52,821 shares; 2025Q1: 49,931 shares; 2025Q2: 3 shares; 2025Q3: 39,160 shares; 2025Q4: 12,580 shares 12,580$410K0.16%-26,580Timeline
METAMETA PLATFORMS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 460 shares; 2024Q4: 460 shares; 2025Q1: 460 shares; 2025Q2: 89,543 shares; 2025Q3: 459 shares; 2025Q4: 522 shares 522$345K0.13%+63Timeline
AMGNAMGEN INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,041 shares; 2024Q4: 1,041 shares; 2025Q1: 1,041 shares; 2025Q2: 459 shares; 2025Q3: 1,041 shares; 2025Q4: 1,041 shares 1,041$341K0.13%0Timeline
XOMEXXON MOBIL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,802 shares; 2024Q4: 2,802 shares; 2025Q1: 2,702 shares; 2025Q2: 17,058 shares; 2025Q3: 2,702 shares; 2025Q4: 2,702 shares 2,702$325K0.13%0Timeline
TSLATESLA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 688 shares; 2025Q1: not reported; 2025Q2: 2,702 shares; 2025Q3: 719 shares; 2025Q4: 719 shares 719$323K0.13%0Timeline
VOOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 592 shares; 2024Q4: 607 shares; 2025Q1: 607 shares; 2025Q2: 722 shares; 2025Q3: 459 shares; 2025Q4: 469 shares 469$294K0.11%+10Timeline
MRKMERCK & CO INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,208 shares; 2024Q4: 3,208 shares; 2025Q1: 3,208 shares; 2025Q2: 6,690 shares; 2025Q3: 3,028 shares; 2025Q4: 2,778 shares 2,778$292K0.11%-250Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,137 shares; 2024Q4: 1,137 shares; 2025Q1: 1,065 shares; 2025Q2: 9,246 shares; 2025Q3: 1,212 shares; 2025Q4: 1,241 shares 1,241$286K0.11%+29Timeline
SHWSHERWIN WILLIAMS COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 873 shares; 2024Q4: 873 shares; 2025Q1: 873 shares; 2025Q2: 149,374 shares; 2025Q3: 873 shares; 2025Q4: 873 shares 873$283K0.11%0Timeline
SCHXSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 9,987 shares 9,987$274K0.11%newTimeline
EEMISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,967 shares; 2024Q4: 4,967 shares; 2025Q1: 4,967 shares; 2025Q2: 1,041 shares; 2025Q3: 4,967 shares; 2025Q4: 4,967 shares 4,967$272K0.11%0Timeline
JNJJOHNSON & JOHNSONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,443 shares; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 1,141 shares; 2025Q4: 1,141 shares 1,141$236K0.09%0Timeline
SOSOUTHERN COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,671 shares; 2024Q4: 2,671 shares; 2025Q1: 2,671 shares; 2025Q2: 351,703 shares; 2025Q3: 2,671 shares; 2025Q4: 2,671 shares 2,671$233K0.09%0Timeline
BACBANK OF AMER CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 4,131 shares; 2025Q4: 4,131 shares 4,131$227K0.09%0Timeline
CVXCHEVRON CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 1,379 shares; 2025Q4: 1,379 shares 1,379$210K0.08%0Timeline

Sold out in Q4 2025

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

SecurityShares beforeValue beforeType
BNDXVANGUARD CHARLOTTE FDS356,207$17.6Mshares
BSVVANGUARD BD INDEX FDS180,361$14.2Mshares
BLVVANGUARD BD INDEX FDS148,409$10.5Mshares
FNDESCHWAB STRATEGIC TR284,343$10.3Mshares
SCHZSCHWAB STRATEGIC TR384,326$9.02Mshares
REETISHARES TR313,620$8.02Mshares
MGCVANGUARD WORLD FD23,949$5.85Mshares
MUBISHARES TR33,098$3.52Mshares
VNQVANGUARD INDEX FDS17,832$1.63Mshares
URTHISHARES INC3,688$670Kshares
ISHARES TRISHARES TR17,172$433Kshares
NFGNATIONAL FUEL GAS CO3,131$289Kshares
SCHDSCHWAB STRATEGIC TR9,987$273Kshares
IBDTISHARES TR9,656$246Kshares
ABBVABBVIE INC919$213Kshares

How Q4 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 0001960657-26-000001 base2026-02-20acceptance time not in the bulk data set