# Waterford Advisors, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1960657. Source: https://holderbook.com/funds/1960657-waterford-advisors-llc/

- Reported value: $366.5M
- Positions: 64
- Weight of the ten largest: 77.1%
- Filed: 2026-08-14

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $69.7M | 93,087 | 19.0% | 15 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $35.3M | 161,913 | 9.6% | 15 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $33.2M | 385,700 | 9.1% | 15 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $28.8M | 404,761 | 7.9% | 15 |
| DIMENSIONAL ETF TRUST | [DFNM](https://holderbook.com/stocks/DFNM/) | $28.8M | 545,339 | 7.9% | 3 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $25.4M | 702,414 | 6.9% | 7 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $20.4M | 421,601 | 5.6% | 2 |
| VANGUARD BD INDEX FDS | [BLV](https://holderbook.com/stocks/BLV/) | $16.3M | 209,762 | 4.5% | 2 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $12.6M | 211,867 | 3.5% | 11 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $11.8M | 170,811 | 3.2% | 2 |
| DIMENSIONAL ETF TRUST | [DFSV](https://holderbook.com/stocks/DFSV/) | $11.4M | 288,532 | 3.1% | 3 |
| SCHWAB STRATEGIC TR | [SCHH](https://holderbook.com/stocks/SCHH/) | $9.9M | 429,163 | 2.7% | 2 |
| ISHARES TR | [REET](https://holderbook.com/stocks/REET/) | $9.8M | 356,526 | 2.7% | 2 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $5.9M | 211,231 | 1.6% | 15 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $5.7M | 20,897 | 1.6% | 3 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $5.1M | 147,643 | 1.4% | 14 |
| COMMERCE BANCSHARES INC | [CBSH](https://holderbook.com/stocks/CBSH/) | $3.0M | 44,863 | 0.8% | 3 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $2.9M | 15,255 | 0.8% | 15 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $2.8M | 13,024 | 0.8% | 15 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $2.5M | 8,679 | 0.7% | 15 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $1.6M | 16,744 | 0.4% | 2 |
| KEYCORP | [KEY](https://holderbook.com/stocks/KEY/) | $1.6M | 69,833 | 0.4% | 3 |
| PROGRESSIVE CORP | [PGR](https://holderbook.com/stocks/PGR/) | $1.5M | 6,780 | 0.4% | 3 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $1.2M | 6,155 | 0.3% | 13 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $1.2M | 32,703 | 0.3% | 15 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $1.1M | 1,501 | 0.3% | 15 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $1.1M | 3,634 | 0.3% | 15 |
| AMPHENOL CORP | [APH](https://holderbook.com/stocks/APH/) | $1.1M | 5,959 | 0.3% | 3 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $1.0M | 2,752 | 0.3% | 15 |
| CARRIER GLOBAL CORPORATION | [CARR](https://holderbook.com/stocks/CARR/) | $981.5K | 13,381 | 0.3% | 15 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $942.4K | 885 | 0.3% | 11 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $774.8K | 2,367 | 0.2% | 15 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $726.6K | 6,995 | 0.2% | 15 |
| ISHARES INC | [EWZ](https://holderbook.com/stocks/EWZ/) | $686.5K | 3,388 | 0.2% | 3 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $629.7K | 21,744 | 0.2% | 15 |
| BANCO SANTANDER S.A. | [SAN](https://holderbook.com/stocks/SAN/) | $498.5K | 36,124 | 0.1% | 1 |
| OTIS WORLDWIDE CORP | [OTIS](https://holderbook.com/stocks/OTIS/) | $479.0K | 6,690 | 0.1% | 15 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $463.1K | 1,313 | 0.1% | 15 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $448.1K | 1,306 | 0.1% | 15 |
| M & T BK CORP | [MTB](https://holderbook.com/stocks/MTB/) | $423.2K | 1,778 | 0.1% | 1 |
| SCHWAB STRATEGIC TR | [SCHE](https://holderbook.com/stocks/SCHE/) | $398.6K | 11,780 | 0.1% | 11 |
| AMGEN INC | [AMGN](https://holderbook.com/stocks/AMGN/) | $362.1K | 1,000 | 0.1% | 12 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $357.0K | 2,778 | 0.1% | 15 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $341.6K | 588 | 0.1% | 1 |
| ISHARES TR | [EEM](https://holderbook.com/stocks/EEM/) | $339.8K | 4,967 | 0.1% | 11 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $336.9K | 598 | 0.1% | 12 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $328.5K | 2,402 | 0.1% | 15 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $316.7K | 9,987 | 0.1% | 3 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $307.9K | 1,292 | 0.1% | 9 |
| SHERWIN WILLIAMS CO | [SHW](https://holderbook.com/stocks/SHW/) | $300.6K | 873 | 0.1% | 15 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $287.2K | 1,131 | 0.1% | 4 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $276.3K | 657 | 0.1% | 5 |
| SOUTHERN CO | [SO](https://holderbook.com/stocks/SO/) | $255.6K | 2,671 | 0.1% | 15 |
| CURTISS WRIGHT CORP | [CW](https://holderbook.com/stocks/CW/) | $252.3K | 333 | 0.1% | 2 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $248.1K | 1,497 | 0.1% | 4 |
| APPLIED MATLS INC | [AMAT](https://holderbook.com/stocks/AMAT/) | $235.4K | 4,131 | 0.1% | 1 |
| ISHARES TR | [IBDU](https://holderbook.com/stocks/IBDU/) | $229.2K | 9,894 | 0.1% | 1 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $224.6K | 327 | 0.1% | 15 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $222.6K | 589 | 0.1% | 1 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $219.9K | 874 | 0.1% | 1 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $215.7K | 604 | 0.1% | 1 |
| ISHARES TR | [LDEM](https://holderbook.com/stocks/LDEM/) | $205.4K | 8,481 | 0.1% | 2 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $203.3K | 1,731 | 0.1% | 1 |
| EIGHTCO HOLDINGS INC | [ORBS](https://holderbook.com/stocks/ORBS/) | $12.5K | 18,000 | 0.0% | 1 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +10.5% | +14.8% | -4.3% | 105% |
| Q1 2026 | -2.1% | -4.6% | +2.6% | 100% |
| Q4 2025 | +1.3% | +2.4% | -1.0% | 100% |
| Q3 2025 | +7.4% | +7.8% | -0.5% | 109% |
| Q2 2025 | +7.4% | +10.5% | -3.1% | 100% |
| Q1 2025 | -2.2% | -4.6% | +2.4% | 100% |
| Q4 2024 | -1.5% | +2.1% | -3.6% | 98% |
| Q3 2024 | +6.3% | +5.4% | +0.9% | 99% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $366.5M | 64 |
| Q1 2026 | $315.3M | 57 |
| Q4 2025 | $256.0M | 48 |
| Q3 2025 | $289.2M | 54 |
| Q2 2025 | $270.8M | 53 |
| Q1 2025 | $241.0M | 51 |
| Q4 2024 | $196.4M | 46 |
| Q3 2024 | $196.0M | 50 |
| Q2 2024 | $238.5M | 54 |
| Q1 2024 | $235.7M | 55 |
| Q4 2023 | $213.4M | 51 |
| Q3 2023 | $178.8M | 47 |