Filed: 11/14/2025ACC: 0001960657-25-000007
📋 What this filing means
WATERFORD ADVISORS, LLC filed this quarterly 13F‑HR report disclosing 54 equity positions with a total reported market value of $289.21M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
54
Positions
$289.21M
Total AUM (reported)
3.92M
Total Shares
Allocation by class
CORE S&P500 ETF$61.20M21.2%
GROWTH ETF$31.07M10.7%
VALUE ETF$27.79M9.6%
VAN FTSE DEV MKT$23.43M8.1%
US SML CAP ETF$19.11M6.6%
TOTAL INT BD ETF$17.62M6.1%
SHORT TRM BOND$14.23M4.9%
Portfolio Concentration
Top 3$120.06M41.5%
4–10$106.27M36.7%
11–25$50.95M17.6%
Rest$11.93M4.1%
Top 3 weight
41.5%
Top 10 weight
78.3%
Voting Authority Distribution
Total shares with voting rights: 3.92M
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
3.92M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole54
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings54
Rows:
ISHARES TR
SOLEShares91.44K
TypeSH
Market value$61.20M
21.16%
Sole
0.00
Shared
0.00
None
91.44K
VANGUARD INDEX FDS
SOLEShares64.78K
TypeSH
Market value$31.07M
10.74%
Sole
0.00
Shared
0.00
None
64.78K
VANGUARD INDEX FDS
SOLEShares149K
TypeSH
Market value$27.79M
9.61%
Sole
0.00
Shared
0.00
None
149K
VANGUARD TAX-MANAGED FDS
SOLEShares391.03K
TypeSH
Market value$23.43M
8.10%
Sole
0.00
Shared
0.00
None
391.03K
SCHWAB STRATEGIC TR
SOLEShares684.94K
TypeSH
Market value$19.11M
6.61%
Sole
0.00
Shared
0.00
None
684.94K
VANGUARD CHARLOTTE FDS
SOLEShares356.21K
TypeSH
Market value$17.62M
6.09%
Sole
0.00
Shared
0.00
None
356.21K
VANGUARD BD INDEX FDS
SOLEShares180.36K
TypeSH
Market value$14.23M
4.92%
Sole
0.00
Shared
0.00
None
180.36K
VANGUARD INTL EQUITY INDEX F
SOLEShares204.52K
TypeSH
Market value$11.08M
3.83%
Sole
0.00
Shared
0.00
None
204.52K
VANGUARD BD INDEX FDS
SOLEShares148.41K
TypeSH
Market value$10.51M
3.64%
Sole
0.00
Shared
0.00
None
148.41K
SCHWAB STRATEGIC TR
SOLEShares284.34K
TypeSH
Market value$10.28M
3.56%
Sole
0.00
Shared
0.00
None
284.34K
SCHWAB STRATEGIC TR
SOLEShares384.33K
TypeSH
Market value$9.02M
3.12%
Sole
0.00
Shared
0.00
None
384.33K
ISHARES TR
SOLEShares313.62K
TypeSH
Market value$8.02M
2.77%
Sole
0.00
Shared
0.00
None
313.62K
VANGUARD WORLD FD
SOLEShares23.95K
TypeSH
Market value$5.85M
2.02%
Sole
0.00
Shared
0.00
None
23.95K
SCHWAB STRATEGIC TR
SOLEShares211.81K
TypeSH
Market value$4.93M
1.70%
Sole
0.00
Shared
0.00
None
211.81K
SCHWAB STRATEGIC TR
SOLEShares149.37K
TypeSH
Market value$4.35M
1.50%
Sole
0.00
Shared
0.00
None
149.37K
ISHARES TR
SOLEShares33.10K
TypeSH
Market value$3.52M
1.22%
Sole
0.00
Shared
0.00
None
33.10K
INVESCO EXCHANGE TRADED FD T
SOLEShares13.93K
TypeSH
Market value$2.64M
0.91%
Sole
0.00
Shared
0.00
None
13.93K
RTX CORPORATION
SOLEShares15.11K
TypeSH
Market value$2.53M
0.87%
Sole
0.00
Shared
0.00
None
15.11K
APPLE INC
SOLEShares8.34K
TypeSH
Market value$2.12M
0.73%
Sole
0.00
Shared
0.00
None
8.34K
VANGUARD INDEX FDS
SOLEShares17.83K
TypeSH
Market value$1.63M
0.56%
Sole
0.00
Shared
0.00
None
17.83K
BERKSHIRE HATHAWAY INC DEL
SOLEShares2.00
TypeSH
Market value$1.51M
0.52%
Sole
0.00
Shared
0.00
None
2.00
MICROSOFT CORP
SOLEShares2.81K
TypeSH
Market value$1.46M
0.50%
Sole
0.00
Shared
0.00
None
2.81K
SCHWAB STRATEGIC TR
SOLEShares39.16K
TypeSH
Market value$1.31M
0.45%
Sole
0.00
Shared
0.00
None
39.16K
NVIDIA CORPORATION
SOLEShares6.01K
TypeSH
Market value$1.12M
0.39%
Sole
0.00
Shared
0.00
None
6.01K
VANGUARD INDEX FDS
SOLEShares3.73K
TypeSH
Market value$948.2K
0.33%
Sole
0.00
Shared
0.00
None
3.73K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
ISHARES TRSOLE | CORE S&P500 ETF | 91.44K | SH | $61.20M 21.16% | 0.00 | 0.00 | 91.44K |
VANGUARD INDEX FDSSOLE | GROWTH ETF | 64.78K | SH | $31.07M 10.74% | 0.00 | 0.00 | 64.78K |
VANGUARD INDEX FDSSOLE | VALUE ETF | 149K | SH | $27.79M 9.61% | 0.00 | 0.00 | 149K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 391.03K | SH | $23.43M 8.10% | 0.00 | 0.00 | 391.03K |
SCHWAB STRATEGIC TRSOLE | US SML CAP ETF | 684.94K | SH | $19.11M 6.61% | 0.00 | 0.00 | 684.94K |
VANGUARD CHARLOTTE FDSSOLE | TOTAL INT BD ETF | 356.21K | SH | $17.62M 6.09% | 0.00 | 0.00 | 356.21K |
VANGUARD BD INDEX FDSSOLE | SHORT TRM BOND | 180.36K | SH | $14.23M 4.92% | 0.00 | 0.00 | 180.36K |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 204.52K | SH | $11.08M 3.83% | 0.00 | 0.00 | 204.52K |
VANGUARD BD INDEX FDSSOLE | LONG TERM BOND | 148.41K | SH | $10.51M 3.64% | 0.00 | 0.00 | 148.41K |
SCHWAB STRATEGIC TRSOLE | FUNDAMENTAL EMER | 284.34K | SH | $10.28M 3.56% | 0.00 | 0.00 | 284.34K |
SCHWAB STRATEGIC TRSOLE | US AGGREGATE B | 384.33K | SH | $9.02M 3.12% | 0.00 | 0.00 | 384.33K |
ISHARES TRSOLE | GLOBAL REIT ETF | 313.62K | SH | $8.02M 2.77% | 0.00 | 0.00 | 313.62K |
VANGUARD WORLD FDSOLE | MEGA CAP INDEX | 23.95K | SH | $5.85M 2.02% | 0.00 | 0.00 | 23.95K |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 211.81K | SH | $4.93M 1.70% | 0.00 | 0.00 | 211.81K |
SCHWAB STRATEGIC TRSOLE | US LCAP VA ETF | 149.37K | SH | $4.35M 1.50% | 0.00 | 0.00 | 149.37K |
ISHARES TRSOLE | NATIONAL MUN ETF | 33.10K | SH | $3.52M 1.22% | 0.00 | 0.00 | 33.10K |
INVESCO EXCHANGE TRADED FD TSOLE | S&P500 EQL WGT | 13.93K | SH | $2.64M 0.91% | 0.00 | 0.00 | 13.93K |
RTX CORPORATIONSOLE | COM | 15.11K | SH | $2.53M 0.87% | 0.00 | 0.00 | 15.11K |
APPLE INCSOLE | COM | 8.34K | SH | $2.12M 0.73% | 0.00 | 0.00 | 8.34K |
VANGUARD INDEX FDSSOLE | REAL ESTATE ETF | 17.83K | SH | $1.63M 0.56% | 0.00 | 0.00 | 17.83K |
BERKSHIRE HATHAWAY INC DELSOLE | CL A | 2.00 | SH | $1.51M 0.52% | 0.00 | 0.00 | 2.00 |
MICROSOFT CORPSOLE | COM | 2.81K | SH | $1.46M 0.50% | 0.00 | 0.00 | 2.81K |
SCHWAB STRATEGIC TRSOLE | EMRG MKTEQ ETF | 39.16K | SH | $1.31M 0.45% | 0.00 | 0.00 | 39.16K |
NVIDIA CORPORATIONSOLE | COM | 6.01K | SH | $1.12M 0.39% | 0.00 | 0.00 | 6.01K |
VANGUARD INDEX FDSSOLE | SMALL CP ETF | 3.73K | SH | $948.2K 0.33% | 0.00 | 0.00 | 3.73K |
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