Waterford Advisors, LLC

Q3 2025 13F-HR Holdings

Location
Orchard Park, NY
Holdings as of
9/30/2025
Date filed
11/14/2025
Form type
13F-HR
Num holdings
54
Total value ($000)
$289,211
Net value change ($000)
+18,391 (6.8%)
New positions
5
Sold out positions
4
Turnover %
2.4%
Sector allocation + QoQ delta (equities-only)
Prev filing: 8/14/2025 Next filing: 2/20/2026 SEC filing

Snapshot: Change Analysis

Compared to Q2 2025
Methodology: sector metrics are equities-only; instrument mix chart is ex-options; options exposure is shown separately. Why this matters.
Top Adds (Value $000, Stocks/ETFs)
IVV 5,605 10.1%
VUG 2,966 10.6%
VTV 2,235 8.7%
SCHA 2,178 12.9%
VEA 1,611 7.4%
VWO 1,234 12.5%
FNDE 1,155 12.7%
BNDX 973 5.8%
SCHZ 846 10.3%
REET 539 7.2%
Top Reduces (Value $000, Stocks/ETFs)
CBU -2,551 -100.0%
PGR -1,883 -100.0%
BRK-B -678 -31.0%
APH -621 -100.0%
VNQ -232 -12.5%
META -225 -40.0%
PG -202 -100.0%
CARR -180 -18.4%
MUB -70 -1.9%
OTIS -50 -7.6%
Instrument mix + QoQ Δ (ex-options)
How this table is calculated: SEC VALUE ($000) is used as reported. For derivatives (PUT/CALL/WARRANT/RIGHT), SEC value represents reported underlying exposure, not premium cash paid/received. Column % is bucket-based: non-options share is calculated inside non-option total, options share is calculated inside options total. Details.
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Instrument:
Issuer Name Ticker Sector Industry Class History Value ($000) % Shares Shares Δ Shares Δ% Value Δ ($000) Value Δ% Principal Option Type