Waterford Advisors, LLC

Q4 2025 13F-HR Holdings

Location
Orchard Park, NY
Holdings as of
12/31/2025
Date filed
2/20/2026
Form type
13F-HR
Num holdings
48
Total value ($000)
$255,980
Net value change ($000)
-33,231 (-11.5%)
New positions
9
Sold out positions
13
Turnover %
41.2%
Sector allocation + QoQ delta (equities-only)
Prev filing: 11/14/2025 Next filing: — SEC filing

Snapshot: Change Analysis

Compared to Q3 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)
DFNM 23,838 NEW
DFSV 10,063 NEW
VOT 5,773 NEW
SCHG 3,971 990.3%
CBSH 2,577 NEW
KEY 1,733 NEW
PGR 1,607 NEW
VTV 1,339 4.8%
VEA 912 3.9%
APH 849 NEW
Top Reduces (Value $000, Stocks/ETFs)
BNDX -17,618 -100.0%
FNDE -10,282 -100.0%
SCHZ -9,020 -100.0%
REET -8,016 -100.0%
MGC -5,846 -100.0%
MUB -3,525 -100.0%
SCHV -3,208 -73.8%
VNQ -1,630 -100.0%
VUG -976 -3.1%
SCHE -897 -68.6%
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