WATERFORD ADVISORS, LLC

Filed: 2/14/2025ACC: 0001960657-25-000001

📋 What this filing means

WATERFORD ADVISORS, LLC filed this quarterly 13F‑HR report disclosing 46 equity positions with a total reported market value of $196.44M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$196.44M

Total AUM (reported)

2.73M

Total Shares

Allocation by class

CORE S&P500 ETF$50.71M25.8%

GROWTH ETF$24.75M12.6%

VALUE ETF$22.90M11.7%

VAN FTSE DEV MKT$17.19M8.8%

US SML CAP ETF$16.21M8.3%

COM$13.91M7.1%

FTSE EMR MKT ETF$8.16M4.2%

Portfolio Concentration

Top 3$98.36M50.1%

4–10$66.52M33.9%

11–25$24.24M12.3%

Rest$7.32M3.7%

Top 3 weight

50.1%

Top 10 weight

83.9%

Voting Authority Distribution

Total shares with voting rights: 2.73M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

2.73M

% of voting shares100.0%

Investment Discretion (by position count)

Sole46

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings46

Rows:

ISHARES TR

SOLE

CORE S&P500 ETF

Shares86.14K

TypeSH

Market value$50.71M

25.81%

Sole

0.00

Shared

0.00

None

86.14K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares60.30K

TypeSH

Market value$24.75M

12.60%

Sole

0.00

Shared

0.00

None

60.30K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares135.28K

TypeSH

Market value$22.90M

11.66%

Sole

0.00

Shared

0.00

None

135.28K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares359.51K

TypeSH

Market value$17.19M

8.75%

Sole

0.00

Shared

0.00

None

359.51K

SCHWAB STRATEGIC TR

SOLE

US SML CAP ETF

Shares626.78K

TypeSH

Market value$16.21M

8.25%

Sole

0.00

Shared

0.00

None

626.78K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares185.27K

TypeSH

Market value$8.16M

4.15%

Sole

0.00

Shared

0.00

None

185.27K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL EMER

Shares270.63K

TypeSH

Market value$7.86M

4.00%

Sole

0.00

Shared

0.00

None

270.63K

ISHARES TR

SOLE

GLOBAL REIT ETF

Shares285.27K

TypeSH

Market value$6.84M

3.48%

Sole

0.00

Shared

0.00

None

285.27K

VANGUARD WORLD FD

SOLE

MEGA CAP INDEX

Shares25.95K

TypeSH

Market value$5.52M

2.81%

Sole

0.00

Shared

0.00

None

25.95K

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares256.46K

TypeSH

Market value$4.74M

2.42%

Sole

0.00

Shared

0.00

None

256.46K

SCHWAB STRATEGIC TR

SOLE

US LCAP VA ETF

Shares148.15K

TypeSH

Market value$3.86M

1.97%

Sole

0.00

Shared

0.00

None

148.15K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares16.23K

TypeSH

Market value$2.84M

1.45%

Sole

0.00

Shared

0.00

None

16.23K

COMMUNITY FINANCIAL SYSTEM I

SOLE

COM

Shares44.86K

TypeSH

Market value$2.77M

1.41%

Sole

0.00

Shared

0.00

None

44.86K

APPLE INC

SOLE

COM

Shares8.37K

TypeSH

Market value$2.10M

1.07%

Sole

0.00

Shared

0.00

None

8.37K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL A

Shares300.00

TypeSH

Market value$2.04M

1.04%

Sole

0.00

Shared

0.00

None

300.00

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares21.33K

TypeSH

Market value$1.90M

0.97%

Sole

0.00

Shared

0.00

None

21.33K

RTX CORPORATION

SOLE

COM

Shares14.95K

TypeSH

Market value$1.73M

0.88%

Sole

0.00

Shared

0.00

None

14.95K

SCHWAB STRATEGIC TR

SOLE

EMRG MKTEQ ETF

Shares52.82K

TypeSH

Market value$1.41M

0.72%

Sole

0.00

Shared

0.00

None

52.82K

MICROSOFT CORP

SOLE

COM

Shares2.79K

TypeSH

Market value$1.18M

0.60%

Sole

0.00

Shared

0.00

None

2.79K

CARRIER GLOBAL CORPORATION

SOLE

COM

Shares13.38K

TypeSH

Market value$913.4K

0.46%

Sole

0.00

Shared

0.00

None

13.38K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares3.67K

TypeSH

Market value$880.6K

0.45%

Sole

0.00

Shared

0.00

None

3.67K

AMPHENOL CORP NEW

SOLE

CL A

Shares10.28K

TypeSH

Market value$714.2K

0.36%

Sole

0.00

Shared

0.00

None

10.28K

NVIDIA CORPORATION

SOLE

COM

Shares5.28K

TypeSH

Market value$708.6K

0.36%

Sole

0.00

Shared

0.00

None

5.28K

OTIS WORLDWIDE CORP

SOLE

COM

Shares6.69K

TypeSH

Market value$619.6K

0.32%

Sole

0.00

Shared

0.00

None

6.69K

ISHARES TR

SOLE

MSCI EAFE ETF

Shares7.74K

TypeSH

Market value$585.0K

0.30%

Sole

0.00

Shared

0.00

None

7.74K

Issuer	Class	Shares	Type	Value / Portfolio %	None
ISHARES TRSOLE	CORE S&P500 ETF	86.14K	SH	$50.71M 25.81%	86.14K
VANGUARD INDEX FDSSOLE	GROWTH ETF	60.30K	SH	$24.75M 12.60%	60.30K
VANGUARD INDEX FDSSOLE	VALUE ETF	135.28K	SH	$22.90M 11.66%	135.28K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	359.51K	SH	$17.19M 8.75%	359.51K
SCHWAB STRATEGIC TRSOLE	US SML CAP ETF	626.78K	SH	$16.21M 8.25%	626.78K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	185.27K	SH	$8.16M 4.15%	185.27K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL EMER	270.63K	SH	$7.86M 4.00%	270.63K
ISHARES TRSOLE	GLOBAL REIT ETF	285.27K	SH	$6.84M 3.48%	285.27K
VANGUARD WORLD FDSOLE	MEGA CAP INDEX	25.95K	SH	$5.52M 2.81%	25.95K
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	256.46K	SH	$4.74M 2.42%	256.46K
SCHWAB STRATEGIC TRSOLE	US LCAP VA ETF	148.15K	SH	$3.86M 1.97%	148.15K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	16.23K	SH	$2.84M 1.45%	16.23K
COMMUNITY FINANCIAL SYSTEM ISOLE	COM	44.86K	SH	$2.77M 1.41%	44.86K
APPLE INCSOLE	COM	8.37K	SH	$2.10M 1.07%	8.37K
BERKSHIRE HATHAWAY INC DELSOLE	CL A	300.00	SH	$2.04M 1.04%	300.00
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	21.33K	SH	$1.90M 0.97%	21.33K
RTX CORPORATIONSOLE	COM	14.95K	SH	$1.73M 0.88%	14.95K
SCHWAB STRATEGIC TRSOLE	EMRG MKTEQ ETF	52.82K	SH	$1.41M 0.72%	52.82K
MICROSOFT CORPSOLE	COM	2.79K	SH	$1.18M 0.60%	2.79K
CARRIER GLOBAL CORPORATIONSOLE	COM	13.38K	SH	$913.4K 0.46%	13.38K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	3.67K	SH	$880.6K 0.45%	3.67K
AMPHENOL CORP NEWSOLE	CL A	10.28K	SH	$714.2K 0.36%	10.28K
NVIDIA CORPORATIONSOLE	COM	5.28K	SH	$708.6K 0.36%	5.28K
OTIS WORLDWIDE CORPSOLE	COM	6.69K	SH	$619.6K 0.32%	6.69K
ISHARES TRSOLE	MSCI EAFE ETF	7.74K	SH	$585.0K 0.30%	7.74K

Page 1 of 2