Waterford Advisors, LLC
- SEC CIK
- 0001960657
- Latest filing
- Aug 14, 2026
Holdings in Q4 2025
Holdings as of Dec 31, 2025, filed Feb 20, 2026. Long positions only; changes compare share counts with Q3 2025.
- Positions
- 48
- −6 vs. Q3 2025
- Portfolio value
- $255.3M
- −$33.9M (−11.7%) vs. Q3 2025
| Security | Class | Shares | Value | % of portfolio | Share change | Action | History |
|---|---|---|---|---|---|---|---|
| iShares Core S&P 500 ETF464287200 | ETF | 89,097 | $61.0M | 23.9% | −2,346−2.6% | Reduced | – |
| Vanguard Morningstar Growth ETF922908736 | ETF | 61,689 | $30.1M | 11.8% | −3,095−4.8% | Reduced | – |
| Vanguard Morningstar Value ETF922908744 | ETF | 152,498 | $29.1M | 11.4% | +3,498+2.3% | Added | – |
| Vanguard Ftse Developed Markets ETF921943858 | ETF | 389,663 | $24.3M | 9.5% | −1,366−0.3% | Reduced | – |
| Dimensional ETF Trust25434V849 | NATL MUN BD ETF | 527,277 | $23.8M | 9.3% | +527,277 | New | – |
| Schwab U.S. Small-Cap ETF808524607 | ETF | 674,601 | $19.2M | 7.5% | −10,342−1.5% | Reduced | – |
| Vanguard Ftse Emerging Markets ETF922042858 | ETF | 203,140 | $10.9M | 4.3% | −1,380−0.7% | Reduced | – |
| Dimensional ETF Trust25434V815 | US SMALL CAP ETF | 279,065 | $10.1M | 3.9% | +279,065 | New | – |
| Vanguard Morningstar Mid-Cap Growth ETF922908538 | ETF | 22,986 | $5.77M | 2.3% | +22,986 | New | – |
| Schwab International Equity ETF808524805 | ETF | 212,113 | $5.10M | 2.0% | +305+0.1% | Added | – |
| Schwab U.S. Large-Cap Growth ETF808524300 | ETF | 147,643 | $4.37M | 1.7% | +135,063+1,073.6% | Added | – |
| RTXRTX Corp | Stock | 15,105 | $2.77M | 1.1% | 00.0% | Unchanged | History |
| Invesco Exchange Traded FD T46137V357 | S&P500 EQL WGT | 13,663 | $2.62M | 1.0% | −265−1.9% | Reduced | – |
| CBSHCommerce Bancshares Inc | Stock | 44,863 | $2.58M | 1.0% | +44,863 | New | History |
| AAPLApple Inc. | Stock | 8,475 | $2.30M | 0.9% | +132+1.6% | Added | History |
| BRK.ABerkshire Hathaway Inc | CL A | 3 | $2.26M | 0.9% | +1+50.0% | Added | History |
| KEYKeycorp | COM | 83,952 | $1.73M | 0.7% | +83,952 | New | History |
| PGRProgressive Corp | Stock | 7,056 | $1.61M | 0.6% | +7,056 | New | History |
| MSFTMicrosoft Corp | Stock | 2,730 | $1.32M | 0.5% | −84−3.0% | Reduced | History |
| NVDANVIDIA Corp | Stock | 6,202 | $1.16M | 0.5% | +190+3.2% | Added | History |
| Schwab U.S. Large-Cap Value ETF808524409 | ETF | 34,807 | $1.14M | 0.4% | −114,567−76.7% | Reduced | – |
| Vanguard Morningstar Small-Cap ETF922908751 | ETF | 3,729 | $961.9K | 0.4% | 00.0% | Unchanged | – |
| SPYSPDR S&P 500 ETF Trust | ETF | 1,332 | $908.3K | 0.4% | −25−1.8% | Reduced | History |
| iShares MSCI Eafe ETF464287465 | ETF | 9,146 | $878.3K | 0.3% | −100−1.1% | Reduced | – |
| APHAmphenol Corp | CL A | 6,284 | $849.2K | 0.3% | +6,284 | New | History |
| JPMJPMorgan Chase & Co | Stock | 2,213 | $713.1K | 0.3% | 00.0% | Unchanged | History |
| CARRCarrier Global Corp | Stock | 13,381 | $707.1K | 0.3% | 00.0% | Unchanged | History |
| OTISOtis Worldwide Corp | Stock | 6,690 | $584.4K | 0.2% | 00.0% | Unchanged | History |
| Schwab U.S. Broad Market ETF808524102 | ETF | 21,744 | $570.3K | 0.2% | −1,200−5.2% | Reduced | – |
| CATCaterpillar Inc | Stock | 885 | $507.0K | 0.2% | −26−2.9% | Reduced | History |
| VVisa Inc. | Stock | 1,292 | $453.1K | 0.2% | −50−3.7% | Reduced | History |
| HDHome Depot, Inc. | Stock | 1,313 | $451.8K | 0.2% | +5+0.4% | Added | History |
| Schwab Emerging Markets Equity ETF808524706 | ETF | 12,580 | $410.4K | 0.2% | −26,580−67.9% | Reduced | – |
| METAMeta Platforms, Inc. | Stock | 522 | $344.6K | 0.1% | +63+13.7% | Added | History |
| AMGNAmgen Inc | Stock | 1,041 | $340.7K | 0.1% | 00.0% | Unchanged | History |
| XOMExxonMobil Holdings Corp | COM | 2,702 | $325.2K | 0.1% | 00.0% | Unchanged | History |
| TSLATesla, Inc. | Stock | 719 | $323.3K | 0.1% | 00.0% | Unchanged | History |
| Vanguard S&P 500 ETF922908363 | ETF | 469 | $294.2K | 0.1% | +10+2.2% | Added | – |
| MRKMerck & Co., Inc. | Stock | 2,778 | $292.4K | 0.1% | −250−8.3% | Reduced | History |
| AMZNAmazon Com Inc | Stock | 1,241 | $286.4K | 0.1% | +29+2.4% | Added | History |
| SHWSherwin Williams Co | COM | 873 | $282.9K | 0.1% | 00.0% | Unchanged | History |
| Schwab U.S. Large-Cap ETF808524201 | ETF | 9,987 | $273.9K | 0.1% | +9,987 | New | – |
| iShares Tr464287234 | MSCI EMG MKT ETF | 4,967 | $271.7K | 0.1% | 00.0% | Unchanged | – |
| JNJJohnson & Johnson | Stock | 1,141 | $236.1K | 0.1% | 00.0% | Unchanged | History |
| SOSouthern Co | Stock | 2,671 | $232.9K | 0.1% | 00.0% | Unchanged | History |
| BACBank of America Corp | Stock | 4,131 | $227.2K | 0.1% | 00.0% | Unchanged | History |
| CVXChevron Corp | Stock | 1,379 | $210.2K | 0.1% | 00.0% | Unchanged | History |
| iShares Inc464286400 | MSCI BRAZIL ETF | 3,688 | – | – | +3,688 | New | – |
Sold out since Q3 2025 (15)
Positions held at the end of Q3 2025 that are gone from this filing.
| Security | Class | Shares in Q3 2025 | Value in Q3 2025 | % of portfolio in Q3 2025 | History |
|---|---|---|---|---|---|
| Vanguard Total International Bond ETF92203J407 | ETF | 356,207 | $17.6M | 6.1% | – |
| Vanguard Short-Term Bond ETF921937827 | ETF | 180,361 | $14.2M | 4.9% | – |
| Vanguard BD Index FDS921937793 | LONG TERM BOND | 148,409 | $10.5M | 3.6% | – |
| Schwab Fundamental Emerging Markets Equity ETF808524730 | ETF | 284,343 | $10.3M | 3.6% | – |
| Schwab US Aggregate Bond ETF808524839 | ETF | 384,326 | $9.02M | 3.1% | – |
| iShares Tr46434V647 | GLOBAL REIT ETF | 313,620 | $8.02M | 2.8% | – |
| Vanguard World FD921910873 | MEGA CAP INDEX | 23,949 | $5.85M | 2.0% | – |
| iShares Tr464288414 | NATIONAL MUN ETF | 33,098 | $3.52M | 1.2% | – |
| Vanguard Real Estate ETF922908553 | ETF | 17,832 | $1.63M | 0.6% | – |
| iShares Inc464286392 | MSCI WORLD ETF | 3,688 | $669.6K | 0.2% | – |
| iShares Ibonds Dec 2025 Term Corporate ETF46434VBD1 | ETF | 17,172 | $432.6K | 0.1% | – |
| NFGNational Fuel Gas Co | Stock | 3,131 | $289.2K | 0.1% | History |
| Schwab US Dividend Equity ETF808524797 | ETF | 9,987 | $272.6K | 0.1% | – |
| iShares Ibonds Dec 2028 Term Corporate ETF46435U515 | ETF | 9,656 | $246.4K | 0.1% | – |
| ABBVAbbVie Inc. | Stock | 919 | $212.8K | 0.1% | History |