AI Portfolio Summary
In 2025 Q4, Waterford Advisors, LLC maintained a portfolio of 63 distinct positions. The most significant new addition to the portfolio was DIMENSIONAL ETF TRUS, which now represents 9.31% of the total fund value. They heavily accumulated shares in VANGUARD INDEX FDS, increasing their position by 2.3%. Conversely, Waterford Advisors, LLC completely exited their position in VANGUARD CHARLOTTE F.
Total Positions
63
Quarter
2025 Q4
Top Holding
IVV (23.8%)
Top 10 Concentration
85.7%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
1-25 of 63
| Stock | History | Sector / Type | Port % | Prev % | Rank / Prev | Conviction | Change | % Change | Influence | Shares | Mkt Value | Avg Cost | Price Held | 1st Owned | Source | Source Date | Date Reported |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
IVV
ISHARES TR
|
ETF | 23.84% | 21.16% |
#1
Prev: #1
|
6.5 | -2,346 | -2.6% |
P
S
|
89,097 | $61,026,000 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VUG
VANGUARD INDEX ...
|
Warrant | 11.76% | 10.74% |
#2
Prev: #2
|
6.0 | -3,095 | -4.8% |
P
S
|
61,689 | $30,095,440 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VTV
VANGUARD INDEX ...
|
ETF | 11.38% | 9.61% |
#3
Prev: #3
|
5.5 | 3,498 | 2.3% |
P
S
|
152,498 | $29,125,545 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VEA
VANGUARD TAX-MA...
|
ETF | 9.51% | 8.10% |
#4
Prev: #4
|
4.8 | -1,366 | -0.3% |
P
S
|
389,663 | $24,342,253 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DFNM
DIMENSIONAL ETF...
|
ETF | 9.31% | — |
#5
Prev: #—
|
7.7 | 527,277 | no change |
NEW
|
527,277 | $23,838,201 | 2025 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SCHA
SCHWAB STRATEGI...
|
ETF | 7.51% | 6.61% |
#6
1
Prev: #5
|
3.5 | -10,342 | -1.5% |
P
S
|
674,601 | $19,212,635 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VWO
VANGUARD INTL E...
|
ETF | 4.27% | 3.83% |
#7
1
Prev: #8
|
2.2 | -1,380 | -0.7% |
P
S
|
203,140 | $10,920,819 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DFSV
DIMENSIONAL ETF...
|
ETF | 3.93% | — |
#8
Prev: #—
|
5.1 | 279,065 | no change |
NEW
|
279,065 | $10,063,067 | 2025 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VOT
VANGUARD INDEX ...
|
ETF | 2.26% | — |
#9
Prev: #—
|
4.4 | 22,986 | no change |
NEW
|
22,986 | $5,773,486 | 2025 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SCHF
SCHWAB STRATEGI...
|
Bond/Debt | 1.99% | 1.70% |
#10
4
Prev: #14
|
1.3 | 305 | 0.1% |
P
S
|
212,113 | $5,099,203 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SCHG
SCHWAB STRATEGI...
|
ETF | 1.71% | 0.14% |
#11
26
Prev: #37
|
3.7 | 135,063 | 1073.6% |
P
S
|
147,643 | $4,371,700 | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
RTX
RTX CORPORATION
|
Industrials | 1.08% | 0.87% |
#12
6
Prev: #18
|
1.4 | no change | no change |
P
S
|
15,105 | $2,770,257 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
RSP
INVESCO EXCHANG...
|
Unknown | 1.02% | 0.91% |
#13
4
Prev: #17
|
0.9 | -265 | -1.9% |
P
S
|
13,663 | $2,617,323 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
CBSH
COMMERCE BANCSH...
|
Financial Services | 1.01% | — |
#14
Prev: #—
|
3.9 | 44,863 | no change |
NEW
|
44,863 | $2,576,931 | 2025 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
AAPL
APPLE INC
|
Technology | 0.90% | 0.73% |
#15
4
Prev: #19
|
0.9 | 132 | 1.6% |
P
S
|
8,475 | $2,304,084 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
BRK/A
BERKSHIRE HATHA...
|
Financial Services | 0.88% | 0.52% |
#16
5
Prev: #21
|
3.4 | 1 | 50.0% |
P
S
|
3 | $2,264,400 | 2024 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
KEY
KEYCORP
|
Financial Services | 0.68% | — |
#17
Prev: #—
|
3.8 | 83,952 | no change |
NEW
|
83,952 | $1,732,769 | 2025 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
PGR
PROGRESSIVE COR...
|
Financial Services | 0.63% | — |
#18
Prev: #—
|
3.8 | 7,056 | no change |
NEW
|
7,056 | $1,606,792 | 2025 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MSFT
MICROSOFT CORP
|
Technology | 0.52% | 0.50% |
#19
3
Prev: #22
|
0.7 | -84 | -3.0% |
P
S
|
2,730 | $1,320,283 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
NVDA
NVIDIA CORPORAT...
|
Technology | 0.45% | 0.39% |
#20
4
Prev: #24
|
0.7 | 190 | 3.2% |
P
S
|
6,202 | $1,156,754 | 2023 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SCHV
SCHWAB STRATEGI...
|
ETF | 0.45% | 1.50% |
#21
6
Prev: #15
|
0.2 | -114,567 | -76.7% |
P
S
|
34,807 | $1,139,940 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VB
VANGUARD INDEX ...
|
ETF | 0.38% | 0.33% |
#22
3
Prev: #25
|
1.2 | no change | no change |
P
S
|
3,729 | $961,896 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SPY
SPDR S&P 500 ET...
|
ETF | 0.35% | 0.31% |
#23
3
Prev: #26
|
0.6 | -25 | -1.8% |
P
S
|
1,332 | $908,317 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
EFA
ISHARES TR
|
ETF | 0.34% | 0.30% |
#24
3
Prev: #27
|
0.6 | -100 | -1.1% |
P
S
|
9,146 | $878,290 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
APH
AMPHENOL CORP N...
|
Technology | 0.33% | — |
#25
Prev: #—
|
3.6 | 6,284 | no change |
NEW
|
6,284 | $849,220 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
BNDX
VANGUARD CHARLO...
|
Bond/Debt | 0.00% | 6.09% |
Sold All 😨
(Was: #6) |
0.0 | -356,207 | -100.0% |
CLOSED
|
— | $— | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
BSV
VANGUARD BD IND...
|
Bond/Debt | 0.00% | 4.92% |
Sold All 😨
(Was: #7) |
0.0 | -180,361 | -100.0% |
CLOSED
|
— | $— | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
BLV
VANGUARD BD IND...
|
Bond/Debt | 0.00% | 3.64% |
Sold All 😨
(Was: #9) |
0.0 | -148,409 | -100.0% |
CLOSED
|
— | $— | 2025 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
FNDE
SCHWAB STRATEGI...
|
Bond/Debt | 0.00% | 3.56% |
Sold All 😨
(Was: #10) |
0.0 | -284,343 | -100.0% |
CLOSED
|
— | $— | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SCHZ
SCHWAB STRATEGI...
|
ETF | 0.00% | 3.12% |
Sold All 😨
(Was: #11) |
0.0 | -384,326 | -100.0% |
CLOSED
|
— | $— | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
REET
ISHARES TR
|
ETF | 0.00% | 2.77% |
Sold All 😨
(Was: #12) |
0.0 | -313,620 | -100.0% |
CLOSED
|
— | $— | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MGC
VANGUARD WORLD ...
|
ETF | 0.00% | 2.02% |
Sold All 😨
(Was: #13) |
0.0 | -23,949 | -100.0% |
CLOSED
|
— | $— | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MUB
ISHARES TR
|
ETF | 0.00% | 1.22% |
Sold All 😨
(Was: #16) |
0.0 | -33,098 | -100.0% |
CLOSED
|
— | $— | 2023 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VNQ
VANGUARD INDEX ...
|
ETF | 0.00% | 0.56% |
Sold All 😨
(Was: #20) |
0.0 | -17,832 | -100.0% |
CLOSED
|
— | $— | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
URTH
ISHARES INC
|
ETF | 0.00% | 0.23% |
Sold All 😨
(Was: #30) |
0.0 | -3,688 | -100.0% |
CLOSED
|
— | $— | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IBDQ
ISHARES TR
|
Bond/Debt | 0.00% | 0.15% |
Sold All 😨
(Was: #36) |
0.0 | -17,172 | -100.0% |
CLOSED
|
— | $— | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
NFG
NATIONAL FUEL G...
|
Energy | 0.00% | 0.10% |
Sold All 😨
(Was: #43) |
0.0 | -3,131 | -100.0% |
CLOSED
|
— | $— | 2024 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SCHD
SCHWAB STRATEGI...
|
ETF | 0.00% | 0.09% |
Sold All 😨
(Was: #45) |
0.0 | -9,987 | -100.0% |
CLOSED
|
— | $— | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IBDT
ISHARES TR
|
ETF | 0.00% | 0.09% |
Sold All 😨
(Was: #50) |
0.0 | -9,656 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
ABBV
ABBVIE INC
|
Healthcare | 0.00% | 0.07% |
Sold All 😨
(Was: #53) |
0.0 | -919 | -100.0% |
CLOSED
|
— | $— | 2025 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) |
Showing 1-25 of 63 holdings