CIK: 0001960657
Total reported value
$315.3M
Reporting period: 2026-03-31 · Number of holdings: 57
Waterford Advisors, LLC disclosed 57 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $315.3M and a quarterly turnover rate of 27.8%.
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Waterford Advisors, LLC's disclosed holdings carry a Herfindahl concentration index of 0.079 — mathematically equivalent to about 13 equally-sized positions, well below its 57 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.
Position sizes vary widely across the portfolio (a coefficient of variation of 1.88), with a handful of outsized bets alongside many smaller positions.
Recent activity leans toward adding more aggressively to already-large existing positions than to newly initiated ones (a 4.8 percentage-point tilt) — a pattern consistent with a momentum-following approach.
Sector classification currently covers about 6% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.
Trim IVV
+2.7% -$3.0M
Trim VUG
+1.3% -$3.8M
Trim VTV
+2.5% $1.1M
Trim VEA
+2.0% $300.2K
Trim DFNM
+1.7% $1.7M
Trim VWO
+1.9% -$71.8K
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 18.42% | -5.42% | +2.65% | |
| 2 | VTV | Vanguard Value ETF | ETF-Other | 9.57% | -1.81% | +2.53% | |
| 3 | VUG | Vanguard Growth ETF | ETF-Other | 8.33% | -3.43% | +1.35% | |
| 4 | DFNM | Dimensional National Muni Bd | ETF-Other | 8.09% | -1.22% | +1.72% | |
| 5 | VEA | Vanguard Ftse Developed ETF | ETF-Other | 7.82% | -1.69% | +1.95% | |
| 6 | SCHA | Schwab US Small-cap ETF | ETF-Other | 6.10% | — | +1.50% | |
| 7 | BSV | Vanguard Short-term Bond ETF | ETF-Other | 6.00% | +6.00% | NEW | |
| 8 | BLV | Vanguard Long-term Bond ETF | ETF-Other | 4.78% | +4.78% | NEW | |
| 9 | BND | Vanguard Total Bond Market | ETF-Other | 3.48% | +3.48% | NEW | |
| 10 | VWO | Vanguard Ftse Emerging Marke | ETF-Emerging Markets | 3.44% | -0.83% | +1.88% | |
| 11 | DFSV | Dimensional US Small Cap Val | ETF-Small Cap | 3.37% | -0.56% | +2.07% | |
| 12 | SCHH | Schwab US Reit ETF | ETF-Other | 2.96% | +2.96% | NEW | |
| 13 | REET | Ishares Global Reit ETF | ETF-Other | 2.69% | +2.69% | NEW | |
| 14 | VOT | Vanguard Mid-cap Growth ETF | ETF-Other | 1.66% | -0.60% | -0.54% | |
| 15 | SCHF | Schwab Intl Equity ETF | ETF-Other | 1.61% | -0.38% | -0.42% | |
| 16 | SCHG | Schwab US Large-cap Growth | ETF-Other | 1.40% | -0.31% | — | |
| 17 | RTX | Rtx CORP | Stock-Industrials | 0.90% | -0.18% | — | |
| 18 | CBSH | Commerce Bancshares INC | Stock-Financials | 0.82% | — | — | |
| 19 | RSP | Invesco S&p 500 Equal Weight | ETF-Large Cap & Growth | 0.81% | -0.21% | -1.00% | |
| 20 | BRK-A | Berkshire Hathaway Inc-cl A | Stock-Other | 0.68% | -0.20% | — | |
| 21 | AAPL | Apple INC | Stock-Tech | 0.66% | -0.24% | -1.06% | |
| 22 | VNQ | Vanguard Real Estate ETF | ETF-Other | 0.46% | +0.46% | NEW | |
| 23 | PGR | Progressive CORP | Stock-Financials | 0.45% | -0.18% | — | |
| 24 | KEY | Keycorp | Stock-Financials | 0.43% | -0.25% | -16.82% | |
| 25 | SCHV | Schwab US Large-cap Value | ETF-Other | 0.35% | -0.10% | — | |
| 26 | SPY | Ss Spdr S&p 500 ETF Trust-us | ETF-Large Cap & Growth | 0.34% | -0.01% | +27.03% | |
| 27 | NVDA | Nvidia CORP | Stock-Tech | 0.32% | -0.13% | — | |
| 28 | MSFT | Microsoft CORP | Stock-Tech | 0.31% | -0.21% | +0.44% | |
| 29 | VB | Vanguard Small-cap ETF | ETF-Other | 0.29% | -0.09% | -2.01% | |
| 30 | EFA | Ishares Msci Eafe ETF | ETF-Other | 0.26% | -0.08% | -4.37% | |
| 31 | CARR | Carrier Global CORP | Stock-Industrials | 0.23% | — | — | |
| 32 | APH | Amphenol Corp-cl A | Stock-Tech | 0.23% | -0.10% | -5.17% | |
| 33 | JPM | Jpmorgan Chase & Co | Stock-Financials | 0.20% | -0.08% | — | |
| 34 | EWZ | Ishares Msci Brazil ETF | ETF-Other | 0.19% | -0.08% | -8.13% | |
| 35 | CAT | Caterpillar INC | Stock-Industrials | 0.19% | -0.01% | — | |
| 36 | SCHB | Schwab US Broad Market ETF | ETF-Other | 0.17% | -0.05% | — | |
| 37 | OTIS | Otis Worldwide CORP | Stock-Industrials | 0.16% | -0.07% | — | |
| 38 | HD | Home Depot INC | Stock-Consumer Disc | 0.13% | -0.05% | — | |
| 39 | XOM | Exxon Mobil CORP | Stock-Energy | 0.13% | — | -11.10% | |
| 40 | V | Visa Inc-class A Shares | Stock-Financials | 0.12% | -0.06% | — | |
| 41 | AMGN | Amgen INC | Stock-Healthcare | 0.11% | — | -3.94% | |
| 42 | SCHE | Schwab Emrg Mrkts Eqty ETF | ETF-Other | 0.10% | -0.06% | -6.36% | |
| 43 | MRK | Merck & Co. INC. | Stock-Healthcare | 0.10% | -0.01% | — | |
| 44 | META | Meta Platforms Inc-class A | Stock-Comm Services | 0.10% | — | +14.37% | |
| 45 | SCHX | Schwab US Large-cap ETF | ETF-Other | 0.10% | -0.01% | — | |
| 46 | TECB | Ishares US Tech Breakthrough | ETF-Tech | 0.10% | +0.10% | NEW | |
| 47 | CVX | Chevron CORP | Stock-Energy | 0.10% | +0.02% | +3.63% | |
| 48 | LDEM | Ishares Esg Msci Em Leaders | ETF-Other | 0.10% | +0.10% | NEW | |
| 49 | SHW | Sherwin-williams Co/the | Stock-Materials | 0.09% | — | — | |
| 50 | JNJ | Johnson & Johnson | Stock-Healthcare | 0.09% | — | -0.88% |
Performance for Q3 2026
+4.3%
Performance Last 4 Quarters
+22.5%
Based on 72% of reported portfolio value with available pricing
| Period | Holdings | Total value | Stability | Top holdings |
|---|---|---|---|---|
| 2026-03-31 | 57 | $315.3M | 28 | |
| 2025-12-31 | 48 | $256.0M | 53 | |
| 2025-09-30 | 54 | $289.2M | 18 | |
| 2025-06-30 | 53 | $270.8M | 0 | |
| 2025-03-31 | 51 | $241.0M | 0 | |
| 2024-12-31 | 46 | $196.4M | 0 | |
| 2024-09-30 | 50 | $196.0M | 0 | |
| 2024-06-30 | 54 | $238.5M | 0 | |
| 2024-03-31 | 55 | $235.7M | 0 | |
| 2023-12-31 | 51 | $213.4M | 0 | |
| 2023-09-30 | 47 | $178.8M | 0 | |
| 2023-06-30 | 52 | $207.7M | 0 | |
| 2023-03-31 | 51 | $184.8M | 0 | |
| 2022-12-31 | 50 | $171.7M | 0 |
Waterford Advisors, LLC's most significant position changes for 2026-03-31: New buy: Vanguard Short-term Bond ETF (BSV); New buy: Vanguard Long-term Bond ETF (BLV); New buy: Vanguard Total Bond Market (BND); New buy: Schwab US Reit ETF (SCHH); New buy: Ishares Global Reit ETF (REET).
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|---|---|---|---|---|
| 1 | CVX | Chevron CORP | 0% | +3.63% | Add |
| 2 | XOM | Exxon Mobil CORP | — | -11.10% | Trim |
| 3 | JNJ | Johnson & Johnson | — | -0.88% | Trim |
| 4 | SPY | Ss Spdr S&p 500 ETF Trust-us | 0% | +27.03% | Add |
| 5 | CAT | Caterpillar INC | 0% | — | Unchanged |
| 6 | MRK | Merck & Co. INC. | 0% | — | Unchanged |
| 7 | SCHX | Schwab US Large-cap ETF | 0% | — | Unchanged |
| 8 | AMZN | Amazon.com INC | 0% | — | Unchanged |
| 9 | VOO | Vanguard S&p 500 ETF | 0% | -17.48% | Trim |
| 10 | TSLA | Tesla INC | -0.1% | — | Unchanged |
| 11 | SCHB | Schwab US Broad Market ETF | -0.1% | — | Unchanged |
| 12 | HD | Home Depot INC | -0.1% | — | Unchanged |
| 13 | SCHE | Schwab Emrg Mrkts Eqty ETF | -0.1% | -6.36% | Trim |
| 14 | V | Visa Inc-class A Shares | -0.1% | — | Unchanged |
| 15 | OTIS | Otis Worldwide CORP | -0.1% | — | Unchanged |
| 16 | EWZ | Ishares Msci Brazil ETF | -0.1% | -8.13% | Trim |
| 17 | JPM | Jpmorgan Chase & Co | -0.1% | — | Unchanged |
| 18 | EFA | Ishares Msci Eafe ETF | -0.1% | -4.37% | Trim |
| 19 | VB | Vanguard Small-cap ETF | -0.1% | -2.01% | Trim |
| 20 | APH | Amphenol Corp-cl A | -0.1% | -5.17% | Trim |
| 21 | SCHV | Schwab US Large-cap Value | -0.1% | — | Unchanged |
| 22 | NVDA | Nvidia CORP | -0.1% | — | Unchanged |
| 23 | PGR | Progressive CORP | -0.2% | — | Unchanged |
| 24 | RTX | Rtx CORP | -0.2% | — | Unchanged |
| 25 | BRK-A | Berkshire Hathaway Inc-cl A | -0.2% | — | Unchanged |
| 26 | MSFT | Microsoft CORP | -0.2% | +0.44% | Add |
| 27 | RSP | Invesco S&p 500 Equal Weight | -0.2% | -1.00% | Trim |
| 28 | AAPL | Apple INC | -0.2% | -1.06% | Trim |
| 29 | KEY | Keycorp | -0.3% | -16.82% | Trim |
| 30 | SCHG | Schwab US Large-cap Growth | -0.3% | — | Unchanged |
| 31 | SCHF | Schwab Intl Equity ETF | -0.4% | -0.42% | Trim |
| 32 | DFSV | Dimensional US Small Cap Val | -0.6% | +2.07% | Add |
| 33 | VOT | Vanguard Mid-cap Growth ETF | -0.6% | -0.54% | Trim |
| 34 | VWO | Vanguard Ftse Emerging Marke | -0.8% | +1.88% | Add |
| 35 | DFNM | Dimensional National Muni Bd | -1.2% | +1.72% | Add |
| 36 | VEA | Vanguard Ftse Developed ETF | -1.7% | +1.95% | Add |
| 37 | VTV | Vanguard Value ETF | -1.8% | +2.53% | Add |
| 38 | VUG | Vanguard Growth ETF | -3.4% | +1.35% | Add |
| 39 | IVV | Ishares Core S&p 500 ETF | -5.4% | +2.65% | Add |
| 40 | BSV | Vanguard Short-term Bond ETF | — | NEW | New buy |
| 41 | BLV | Vanguard Long-term Bond ETF | — | NEW | New buy |
| 42 | BND | Vanguard Total Bond Market | — | NEW | New buy |
| 43 | SCHH | Schwab US Reit ETF | — | NEW | New buy |
| 44 | REET | Ishares Global Reit ETF | — | NEW | New buy |
| 45 | VNQ | Vanguard Real Estate ETF | — | NEW | New buy |
| 46 | TECB | Ishares US Tech Breakthrough | — | NEW | New buy |
| 47 | LDEM | Ishares Esg Msci Em Leaders | — | NEW | New buy |
| 48 | BAC | Bank Of America CORP | — | EXIT | Sold out |
| 49 | CW | Curtiss-wright CORP | — | NEW | New buy |
| 50 | VUZI | Vuzix CORP | — | NEW | New buy |
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-05-15 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-02-20 | 13F-HR | View on EDGAR |
| 2025-09-30 | 2025-11-14 | 13F-HR | View on EDGAR |
| 2025-06-30 | 2025-08-14 | 13F-HR | View on EDGAR |
| 2025-03-31 | 2025-05-15 | 13F-HR | View on EDGAR |
| 2024-12-31 | 2025-02-14 | 13F-HR | View on EDGAR |
| 2024-09-30 | 2024-11-14 | 13F-HR | View on EDGAR |
| 2024-06-30 | 2024-08-14 | 13F-HR | View on EDGAR |
| 2024-03-31 | 2024-05-15 | 13F-HR | View on EDGAR |
| 2023-12-31 | 2024-02-14 | 13F-HR | View on EDGAR |
| 2023-09-30 | 2023-11-07 | 13F-HR | View on EDGAR |
| 2023-06-30 | 2023-07-31 | 13F-HR | View on EDGAR |
| 2023-03-31 | 2023-05-02 | 13F-HR | View on EDGAR |
| 2022-12-31 | 2023-02-14 | 13F-HR | View on EDGAR |
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