Waterford Advisors, LLC

RIA/Wealth

Waterford Advisors, LLC is a RIA/Wealth based in Orchard Park, NY led by Christina Marie Michalczak, reporting $337.3M in AUM as of Q3 2025 with 95% ETF concentration, 78% concentrated in top 10 holdings, and 21% allocation to IVV.

CCOChristina Marie Michalczak

Portfolio Value: $289.2M
Positions: 54
Top Holding: IVV at 21.16%
Last Reported: Q3 2025

Address3858 North Buffalo Rd, Suite 2, Orchard Park, NY, 14127, United States

Top Holdings

Largest long holdings in Waterford Advisors, LLC's portfolio (78.3% of total portfolio)

See all holdings

GthenH

Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 iShares Core S&P 500 ETF IVV	ETF ETF	$61.2M	21.16%	+$59.1M Bought	— 91.4K shares	Q4 2022 Held for 2y 11m
2 Vanguard Growth VUG	ETF ETF	$31.1M	10.74%	+$30.5M Bought	— 64.8K shares	Q4 2022 Held for 2y 11m
3 Vanguard Value VTV	ETF ETF	$27.8M	9.61%	+$27.1M Bought	— 149.0K shares	Q4 2022 Held for 2y 11m
4 Vanguard FTSE Developed Markets VEA	ETF ETF	$23.4M	8.10%	+$23.4M Bought	— 391.0K shares	Q4 2022 Held for 2y 11m
5 Schwab U.S. Small-Cap ETF SCHA	ETF ETF	$19.1M	6.61%	+$18.0M Bought	— 684.9K shares	Q4 2022 Held for 2y 11m
6 Vanguard Total International Bond BNDX	ETF ETF	$17.6M	6.09%	+$17.5M Bought	— 356.2K shares	Q1 2025 Held for 8 months
7 Vanguard Short-Term Bond BSV	ETF ETF	$14.2M	4.92%	+$13.8M Bought	— 180.4K shares	Q4 2023 Held for 1y 11m
8 Vanguard FTSE Emerging Markets VWO	ETF ETF	$11.1M	3.83%	+$11.0M Bought	— 204.5K shares	Q4 2022 Held for 2y 11m
9 BLV Vanguard Long-Term Bond BLV	ETF ETF	$10.5M	3.64%	+$7.3M Bought	— 148.4K shares	Q1 2025 Held for 8 months
10 FNDE Schwab Fundamental Emerging Markets Equity FNDE	ETF ETF	$10.3M	3.56%	+$2.6M Bought	— 284.3K shares	Q4 2022 Held for 2y 11m

See all holdings

GthenH

Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Waterford Advisors, LLC's latest filing

See all changes

GthenC

Market Value

$289.2M

Prior: $53.5M

Q/Q Change

+440.92%

+$235.7M

Net Flows % of MV

-138,213.64%

Turnover Ratio

49.17%

New Purchases

2 stocks

$460.6K

Added To

25 stocks

+$244.1M

Sold Out Of

4 stocks

$5.3M

Reduced Holdings

24 stocks

-$399.97B

Increased Positions

Position	Shares Δ	Change
1 iShares iBonds Dec 2028 Term Corporate IBDT	New	0 → 9.7K +$246.4K
2 Chevron CVX	New	0 → 1.4K +$214.1K
3 Schwab Emerging Markets Equity SCHE	+1,305,233.33%	3.0 → 39.2K +$1.3M
4 Vanguard FTSE Developed Markets VEA	+44,691.41%	873.0 → 391.0K +$23.4M
5 Vanguard FTSE Emerging Markets VWO	+14,971.48%	1.4K → 204.5K +$11.0M

Decreased Positions

Position	Shares Δ	Change
1 Community Financial System CBU	Sold	64.1K → 0 −$2.6M
2 Progressive PGR	Sold	199.1K → 0 −$1.9M
3 Amphenol APH	Sold	144.6K → 0 −$620.5K
4 Procter & Gamble PG	Sold	6.3K → 0 −$202.0K
5 Berkshire Hathaway BRK.A	-100.0%	529.7K → 2.0 −$399.47B