Filed: 2/20/2026ACC: 0001960657-26-000001
📋 What this filing means
WATERFORD ADVISORS, LLC filed this quarterly 13F‑HR report disclosing 48 equity positions with a total reported market value of $255.98M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
48
Positions
$255.98M
Total AUM (reported)
3.10M
Total Shares
Allocation by class
CORE S&P500 ETF$61.03M23.8%
GROWTH ETF$30.10M11.8%
VALUE ETF$29.13M11.4%
VAN FTSE DEV MKT$24.34M9.5%
NATL MUN BD ETF$23.84M9.3%
US SML CAP ETF$19.21M7.5%
COM$19.19M7.5%
Portfolio Concentration
Top 3$120.25M47.0%
4–10$99.25M38.8%
11–25$27.46M10.7%
Rest$9.02M3.5%
Top 3 weight
47.0%
Top 10 weight
85.7%
Voting Authority Distribution
Total shares with voting rights: 253.72M
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
253.72M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole48
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings48
Rows:
ISHARES TR
SOLEShares89.10K
TypeSH
Market value$61.03M
23.84%
Sole
0.00
Shared
0.00
None
61.03M
VANGUARD INDEX FDS
SOLEShares61.69K
TypeSH
Market value$30.10M
11.76%
Sole
0.00
Shared
0.00
None
30.10M
VANGUARD INDEX FDS
SOLEShares152.50K
TypeSH
Market value$29.13M
11.38%
Sole
0.00
Shared
0.00
None
29.13M
VANGUARD TAX-MANAGED FDS
SOLEShares389.66K
TypeSH
Market value$24.34M
9.51%
Sole
0.00
Shared
0.00
None
24.34M
DIMENSIONAL ETF TRUST
SOLEShares527.28K
TypeSH
Market value$23.84M
9.31%
Sole
0.00
Shared
0.00
None
23.84M
SCHWAB STRATEGIC TR
SOLEShares674.60K
TypeSH
Market value$19.21M
7.51%
Sole
0.00
Shared
0.00
None
19.21M
VANGUARD INTL EQUITY INDEX F
SOLEShares203.14K
TypeSH
Market value$10.92M
4.27%
Sole
0.00
Shared
0.00
None
10.92M
DIMENSIONAL ETF TRUST
SOLEShares279.06K
TypeSH
Market value$10.06M
3.93%
Sole
0.00
Shared
0.00
None
10.06M
VANGUARD INDEX FDS
SOLEShares22.99K
TypeSH
Market value$5.77M
2.26%
Sole
0.00
Shared
0.00
None
5.77M
SCHWAB STRATEGIC TR
SOLEShares212.11K
TypeSH
Market value$5.10M
1.99%
Sole
0.00
Shared
0.00
None
5.10M
SCHWAB STRATEGIC TR
SOLEShares147.64K
TypeSH
Market value$4.37M
1.71%
Sole
0.00
Shared
0.00
None
4.37M
RTX CORPORATION
SOLEShares15.11K
TypeSH
Market value$2.77M
1.08%
Sole
0.00
Shared
0.00
None
2.77M
INVESCO EXCHANGE TRADED FD T
SOLEShares13.66K
TypeSH
Market value$2.62M
1.02%
Sole
0.00
Shared
0.00
None
2.62M
COMMERCE BANCSHARES INC
SOLEShares44.86K
TypeSH
Market value$2.58M
1.01%
Sole
0.00
Shared
0.00
None
2.58M
APPLE INC
SOLEShares8.47K
TypeSH
Market value$2.30M
0.90%
Sole
0.00
Shared
0.00
None
2.30M
BERKSHIRE HATHAWAY INC DEL
SOLEShares3.00
TypeSH
Market value$2.26M
0.88%
Sole
0.00
Shared
0.00
None
3.00
KEYCORP
SOLEShares83.95K
TypeSH
Market value$1.73M
0.68%
Sole
0.00
Shared
0.00
None
1.73M
PROGRESSIVE CORP
SOLEShares7.06K
TypeSH
Market value$1.61M
0.63%
Sole
0.00
Shared
0.00
None
1.61M
MICROSOFT CORP
SOLEShares2.73K
TypeSH
Market value$1.32M
0.52%
Sole
0.00
Shared
0.00
None
1.32M
NVIDIA CORPORATION
SOLEShares6.20K
TypeSH
Market value$1.16M
0.45%
Sole
0.00
Shared
0.00
None
1.16M
SCHWAB STRATEGIC TR
SOLEShares34.81K
TypeSH
Market value$1.14M
0.45%
Sole
0.00
Shared
0.00
None
1.14M
VANGUARD INDEX FDS
SOLEShares3.73K
TypeSH
Market value$961.9K
0.38%
Sole
0.00
Shared
0.00
None
961.90K
SPDR S&P 500 ETF TR
SOLEShares1.33K
TypeSH
Market value$908.3K
0.35%
Sole
0.00
Shared
0.00
None
908.32K
ISHARES TR
SOLEShares9.15K
TypeSH
Market value$878.3K
0.34%
Sole
0.00
Shared
0.00
None
878.29K
AMPHENOL CORP NEW
SOLEShares6.28K
TypeSH
Market value$849.2K
0.33%
Sole
0.00
Shared
0.00
None
849.22K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
ISHARES TRSOLE | CORE S&P500 ETF | 89.10K | SH | $61.03M 23.84% | 0.00 | 0.00 | 61.03M |
VANGUARD INDEX FDSSOLE | GROWTH ETF | 61.69K | SH | $30.10M 11.76% | 0.00 | 0.00 | 30.10M |
VANGUARD INDEX FDSSOLE | VALUE ETF | 152.50K | SH | $29.13M 11.38% | 0.00 | 0.00 | 29.13M |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 389.66K | SH | $24.34M 9.51% | 0.00 | 0.00 | 24.34M |
DIMENSIONAL ETF TRUSTSOLE | NATL MUN BD ETF | 527.28K | SH | $23.84M 9.31% | 0.00 | 0.00 | 23.84M |
SCHWAB STRATEGIC TRSOLE | US SML CAP ETF | 674.60K | SH | $19.21M 7.51% | 0.00 | 0.00 | 19.21M |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 203.14K | SH | $10.92M 4.27% | 0.00 | 0.00 | 10.92M |
DIMENSIONAL ETF TRUSTSOLE | US SMALL CAP VAL | 279.06K | SH | $10.06M 3.93% | 0.00 | 0.00 | 10.06M |
VANGUARD INDEX FDSSOLE | MCAP GR IDXVIP | 22.99K | SH | $5.77M 2.26% | 0.00 | 0.00 | 5.77M |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 212.11K | SH | $5.10M 1.99% | 0.00 | 0.00 | 5.10M |
SCHWAB STRATEGIC TRSOLE | US LCAP GR ETF | 147.64K | SH | $4.37M 1.71% | 0.00 | 0.00 | 4.37M |
RTX CORPORATIONSOLE | COM | 15.11K | SH | $2.77M 1.08% | 0.00 | 0.00 | 2.77M |
INVESCO EXCHANGE TRADED FD TSOLE | S&P500 EQL WGT | 13.66K | SH | $2.62M 1.02% | 0.00 | 0.00 | 2.62M |
COMMERCE BANCSHARES INCSOLE | COM | 44.86K | SH | $2.58M 1.01% | 0.00 | 0.00 | 2.58M |
APPLE INCSOLE | COM | 8.47K | SH | $2.30M 0.90% | 0.00 | 0.00 | 2.30M |
BERKSHIRE HATHAWAY INC DELSOLE | CL A | 3.00 | SH | $2.26M 0.88% | 0.00 | 0.00 | 3.00 |
KEYCORPSOLE | COM | 83.95K | SH | $1.73M 0.68% | 0.00 | 0.00 | 1.73M |
PROGRESSIVE CORPSOLE | COM | 7.06K | SH | $1.61M 0.63% | 0.00 | 0.00 | 1.61M |
MICROSOFT CORPSOLE | COM | 2.73K | SH | $1.32M 0.52% | 0.00 | 0.00 | 1.32M |
NVIDIA CORPORATIONSOLE | COM | 6.20K | SH | $1.16M 0.45% | 0.00 | 0.00 | 1.16M |
SCHWAB STRATEGIC TRSOLE | US LCAP VA ETF | 34.81K | SH | $1.14M 0.45% | 0.00 | 0.00 | 1.14M |
VANGUARD INDEX FDSSOLE | SMALL CP ETF | 3.73K | SH | $961.9K 0.38% | 0.00 | 0.00 | 961.90K |
SPDR S&P 500 ETF TRSOLE | TR UNIT | 1.33K | SH | $908.3K 0.35% | 0.00 | 0.00 | 908.32K |
ISHARES TRSOLE | MSCI EAFE ETF | 9.15K | SH | $878.3K 0.34% | 0.00 | 0.00 | 878.29K |
AMPHENOL CORP NEWSOLE | CL A | 6.28K | SH | $849.2K 0.33% | 0.00 | 0.00 | 849.22K |
Page 1 of 2