Filed: 8/14/2025ACC: 0001960657-25-000005
📋 What this filing means
WATERFORD ADVISORS, LLC filed this quarterly 13F‑HR report disclosing 53 equity positions with a total reported market value of $270.82M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
53
Positions
$270.82M
Total AUM (reported)
4.36M
Total Shares
Allocation by class
CORE S&P500 ETF$55.60M20.5%
GROWTH ETF$28.10M10.4%
VALUE ETF$25.55M9.4%
VAN FTSE DEV MKT$21.82M8.1%
US SML CAP ETF$16.93M6.3%
TOTAL INT BD ETF$16.65M6.1%
COM$16.03M5.9%
Portfolio Concentration
Top 3$109.25M40.3%
4–10$97.26M35.9%
11–25$51.07M18.9%
Rest$13.24M4.9%
Top 3 weight
40.3%
Top 10 weight
76.3%
Voting Authority Distribution
Total shares with voting rights: 4.36M
Sole
Full voting authority
0.00
shares
% of voting shares0.0%
Shared
Joint voting authority
0.00
shares
% of voting shares0.0%
None
No voting authority
4.36M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole53
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings53
Rows:
ISHARES TR
SOLEShares3.21K
TypeSH
Market value$55.60M
20.53%
Sole
0.00
Shared
0.00
None
3.21K
VANGUARD INDEX FDS
SOLEShares1.28K
TypeSH
Market value$28.10M
10.38%
Sole
0.00
Shared
0.00
None
1.28K
VANGUARD INDEX FDS
SOLEShares3.71K
TypeSH
Market value$25.55M
9.44%
Sole
0.00
Shared
0.00
None
3.71K
VANGUARD TAX-MANAGED FDS
SOLEShares873.00
TypeSH
Market value$21.82M
8.06%
Sole
0.00
Shared
0.00
None
873.00
SCHWAB STRATEGIC TR
SOLEShares40.80K
TypeSH
Market value$16.93M
6.25%
Sole
0.00
Shared
0.00
None
40.80K
VANGUARD CHARLOTTE FDS
SOLEShares2.67K
TypeSH
Market value$16.65M
6.15%
Sole
0.00
Shared
0.00
None
2.67K
VANGUARD BD INDEX FDS
SOLEShares4.97K
TypeSH
Market value$13.22M
4.88%
Sole
0.00
Shared
0.00
None
4.97K
VANGUARD INTL EQUITY INDEX F
SOLEShares1.36K
TypeSH
Market value$9.85M
3.64%
Sole
0.00
Shared
0.00
None
1.36K
VANGUARD BD INDEX FDS
SOLEShares44.86K
TypeSH
Market value$9.67M
3.57%
Sole
0.00
Shared
0.00
None
44.86K
SCHWAB STRATEGIC TR
SOLEShares213.08K
TypeSH
Market value$9.13M
3.37%
Sole
0.00
Shared
0.00
None
213.08K
SCHWAB STRATEGIC TR
SOLEShares13.38K
TypeSH
Market value$8.17M
3.02%
Sole
0.00
Shared
0.00
None
13.38K
ISHARES TR
SOLEShares34.41K
TypeSH
Market value$7.48M
2.76%
Sole
0.00
Shared
0.00
None
34.41K
VANGUARD WORLD FD
SOLEShares877.00
TypeSH
Market value$5.45M
2.01%
Sole
0.00
Shared
0.00
None
877.00
SCHWAB STRATEGIC TR
SOLEShares167.95K
TypeSH
Market value$4.71M
1.74%
Sole
0.00
Shared
0.00
None
167.95K
SCHWAB STRATEGIC TR
SOLEShares336.20K
TypeSH
Market value$4.13M
1.53%
Sole
0.00
Shared
0.00
None
336.20K
ISHARES TR
SOLEShares1.04K
TypeSH
Market value$3.60M
1.33%
Sole
0.00
Shared
0.00
None
1.04K
COMMUNITY FINANCIAL SYSTEM I
SOLEShares64.11K
TypeSH
Market value$2.55M
0.94%
Sole
0.00
Shared
0.00
None
64.11K
INVESCO EXCHANGE TRADED FD T
SOLEShares762.00
TypeSH
Market value$2.55M
0.94%
Sole
0.00
Shared
0.00
None
762.00
BERKSHIRE HATHAWAY INC DEL
SOLEShares529.66K
TypeSH
Market value$2.19M
0.81%
Sole
0.00
Shared
0.00
None
529.66K
RTX CORPORATION
SOLEShares669.26K
TypeSH
Market value$2.18M
0.81%
Sole
0.00
Shared
0.00
None
669.26K
PROGRESSIVE CORP
SOLEShares199.09K
TypeSH
Market value$1.88M
0.70%
Sole
0.00
Shared
0.00
None
199.09K
VANGUARD INDEX FDS
SOLEShares3.69K
TypeSH
Market value$1.86M
0.69%
Sole
0.00
Shared
0.00
None
3.69K
APPLE INC
SOLEShares276.49K
TypeSH
Market value$1.71M
0.63%
Sole
0.00
Shared
0.00
None
276.49K
MICROSOFT CORP
SOLEShares1.27K
TypeSH
Market value$1.38M
0.51%
Sole
0.00
Shared
0.00
None
1.27K
SCHWAB STRATEGIC TR
SOLEShares3.00
TypeSH
Market value$1.23M
0.45%
Sole
0.00
Shared
0.00
None
3.00
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
ISHARES TRSOLE | CORE S&P500 ETF | 3.21K | SH | $55.60M 20.53% | 0.00 | 0.00 | 3.21K |
VANGUARD INDEX FDSSOLE | GROWTH ETF | 1.28K | SH | $28.10M 10.38% | 0.00 | 0.00 | 1.28K |
VANGUARD INDEX FDSSOLE | VALUE ETF | 3.71K | SH | $25.55M 9.44% | 0.00 | 0.00 | 3.71K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 873.00 | SH | $21.82M 8.06% | 0.00 | 0.00 | 873.00 |
SCHWAB STRATEGIC TRSOLE | US SML CAP ETF | 40.80K | SH | $16.93M 6.25% | 0.00 | 0.00 | 40.80K |
VANGUARD CHARLOTTE FDSSOLE | TOTAL INT BD ETF | 2.67K | SH | $16.65M 6.15% | 0.00 | 0.00 | 2.67K |
VANGUARD BD INDEX FDSSOLE | SHORT TRM BOND | 4.97K | SH | $13.22M 4.88% | 0.00 | 0.00 | 4.97K |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 1.36K | SH | $9.85M 3.64% | 0.00 | 0.00 | 1.36K |
VANGUARD BD INDEX FDSSOLE | LONG TERM BOND | 44.86K | SH | $9.67M 3.57% | 0.00 | 0.00 | 44.86K |
SCHWAB STRATEGIC TRSOLE | FUNDAMENTAL EMER | 213.08K | SH | $9.13M 3.37% | 0.00 | 0.00 | 213.08K |
SCHWAB STRATEGIC TRSOLE | US AGGREGATE B | 13.38K | SH | $8.17M 3.02% | 0.00 | 0.00 | 13.38K |
ISHARES TRSOLE | GLOBAL REIT ETF | 34.41K | SH | $7.48M 2.76% | 0.00 | 0.00 | 34.41K |
VANGUARD WORLD FDSOLE | MEGA CAP INDEX | 877.00 | SH | $5.45M 2.01% | 0.00 | 0.00 | 877.00 |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 167.95K | SH | $4.71M 1.74% | 0.00 | 0.00 | 167.95K |
SCHWAB STRATEGIC TRSOLE | US LCAP VA ETF | 336.20K | SH | $4.13M 1.53% | 0.00 | 0.00 | 336.20K |
ISHARES TRSOLE | NATIONAL MUN ETF | 1.04K | SH | $3.60M 1.33% | 0.00 | 0.00 | 1.04K |
COMMUNITY FINANCIAL SYSTEM ISOLE | COM | 64.11K | SH | $2.55M 0.94% | 0.00 | 0.00 | 64.11K |
INVESCO EXCHANGE TRADED FD TSOLE | S&P500 EQL WGT | 762.00 | SH | $2.55M 0.94% | 0.00 | 0.00 | 762.00 |
BERKSHIRE HATHAWAY INC DELSOLE | CL A | 529.66K | SH | $2.19M 0.81% | 0.00 | 0.00 | 529.66K |
RTX CORPORATIONSOLE | COM | 669.26K | SH | $2.18M 0.81% | 0.00 | 0.00 | 669.26K |
PROGRESSIVE CORPSOLE | COM | 199.09K | SH | $1.88M 0.70% | 0.00 | 0.00 | 199.09K |
VANGUARD INDEX FDSSOLE | REAL ESTATE ETF | 3.69K | SH | $1.86M 0.69% | 0.00 | 0.00 | 3.69K |
APPLE INCSOLE | COM | 276.49K | SH | $1.71M 0.63% | 0.00 | 0.00 | 276.49K |
MICROSOFT CORPSOLE | COM | 1.27K | SH | $1.38M 0.51% | 0.00 | 0.00 | 1.27K |
SCHWAB STRATEGIC TRSOLE | EMRG MKTEQ ETF | 3.00 | SH | $1.23M 0.45% | 0.00 | 0.00 | 3.00 |
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