# EDGAR Filing Document

**Accession Number:** 0001960657
**File Stem:** 0001960657-25-000005
**Filing Date:** 2025-8
**Character Count:** 9016
**Document Hash:** ff0acf8a149aa0a3e3b836c5ca82d486
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001960657-25-000005.hdr.sgml**: 20250814

**ACCESSION NUMBER**: 0001960657-25-000005

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250814

**DATE AS OF CHANGE**: 20250814

**EFFECTIVENESS DATE**: 20250814

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Waterford Advisors, LLC
- **CENTRAL INDEX KEY:** 0001960657

**ORGANIZATION NAME:**
- **EIN:** 161543527
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22982
- **FILM NUMBER:** 251219504

**BUSINESS ADDRESS:**
- **STREET 1:** 3858 N. BUFFALO ROAD, SUITE 2
- **CITY:** ORCHARD PARK
- **STATE:** NY
- **ZIP:** 14127
- **BUSINESS PHONE:** 716-580-3906

**MAIL ADDRESS:**
- **STREET 1:** 3858 N. BUFFALO ROAD, SUITE 2
- **CITY:** ORCHARD PARK
- **STATE:** NY
- **ZIP:** 14127

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Waterford Advisors LLC<br>**Address:** 3858 N. BUFFALO ROAD SUITE 2<br>ORCHARD PARK, NY 14127

**Form 13F File Number:** 028-22982

**CRD Number (if applicable):** 000119442

**SEC File Number (if applicable):** 801-62941

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** JORDAN GREEN<br>**Title:** Counsel<br>**Phone:** 6098810101

**Signature, Place, and Date of Signing:**

JORDAN GREEN  Stone Harbor, NJ  08-14-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 53

**Form 13F Information Table Value Total:** $268071202

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| CATERPILLAR INC | COM | 149123101 |  | 340460 | 8316 | SH |  | SOLE |  | 0 | 0 | 8316 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 239608 | 1041 | SH |  | SOLE |  | 0 | 0 | 1041 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 3595261 | 1044 | SH |  | SOLE |  | 0 | 0 | 1044 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 202018 | 6284 | SH |  | SOLE |  | 0 | 0 | 6284 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 546756 | 139009 | SH |  | SOLE |  | 0 | 0 | 139009 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 4133170 | 336201 | SH |  | SOLE |  | 0 | 0 | 336201 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 1229816 | 3 | SH |  | SOLE |  | 0 | 0 | 3 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 4709074 | 167951 | SH |  | SOLE |  | 0 | 0 | 167951 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 8173580 | 13381 | SH |  | SOLE |  | 0 | 0 | 13381 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 5454373 | 877 | SH |  | SOLE |  | 0 | 0 | 877 |
| VANGUARD BD INDEX FDS | LONG TERM BOND | 921937793 |  | 9666709 | 44863 | SH |  | SOLE |  | 0 | 0 | 44863 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 13217747 | 4967 | SH |  | SOLE |  | 0 | 0 | 4967 |
| AMAZON COM INC | COM | 023135106 |  | 229043 | 9246 | SH |  | SOLE |  | 0 | 0 | 9246 |
| APPLE INC | COM | 037833100 |  | 1706271 | 276491 | SH |  | SOLE |  | 0 | 0 | 276491 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 2186400 | 529664 | SH |  | SOLE |  | 0 | 0 | 529664 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 979355 | 1308 | SH |  | SOLE |  | 0 | 0 | 1308 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 291325 | 17058 | SH |  | SOLE |  | 0 | 0 | 17058 |
| META PLATFORMS INC | CL A | 30303M102 |  | 562424 | 89543 | SH |  | SOLE |  | 0 | 0 | 89543 |
| HOME DEPOT INC | COM | 437076102 |  | 479565 | 2157 | SH |  | SOLE |  | 0 | 0 | 2157 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 2547645 | 762 | SH |  | SOLE |  | 0 | 0 | 762 |
| ISHARES INC | MSCI WORLD ETF | 464286392 |  | 624673 | 24250 | SH |  | SOLE |  | 0 | 0 | 24250 |
| ISHARES TR | CORE S ETF | 464287200 |  | 55597531 | 3208 | SH |  | SOLE |  | 0 | 0 | 3208 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 826500 | 2778 | SH |  | SOLE |  | 0 | 0 | 2778 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 7477111 | 34411 | SH |  | SOLE |  | 0 | 0 | 34411 |
| ISHARES TR | IBONDS DEC25 ETF | 46434VBD1 |  | 429517 | 3133 | SH |  | SOLE |  | 0 | 0 | 3133 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 625336 | 5876 | SH |  | SOLE |  | 0 | 0 | 5876 |
| MERCK  CO INC | COM | 58933Y105 |  | 253945 | 6690 | SH |  | SOLE |  | 0 | 0 | 6690 |
| MICROSOFT CORP | COM | 594918104 |  | 1381917 | 1268 | SH |  | SOLE |  | 0 | 0 | 1268 |
| NATIONAL FUEL GAS CO | COM | 636180101 |  | 265396 | 302717 | SH |  | SOLE |  | 0 | 0 | 302717 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 928349 | 14018 | SH |  | SOLE |  | 0 | 0 | 14018 |
| OTIS WORLDWIDE CORP | COM | 68902V107 |  | 662444 | 14947 | SH |  | SOLE |  | 0 | 0 | 14947 |
| RTX CORPORATION | COM | 75513E101 |  | 2182561 | 669263 | SH |  | SOLE |  | 0 | 0 | 669263 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 838422 | 22944 | SH |  | SOLE |  | 0 | 0 | 22944 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 367462 | 9987 | SH |  | SOLE |  | 0 | 0 | 9987 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 16932360 | 40803 | SH |  | SOLE |  | 0 | 0 | 40803 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL EMER | 808524730 |  | 9126973 | 213080 | SH |  | SOLE |  | 0 | 0 | 213080 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 264656 | 12580 | SH |  | SOLE |  | 0 | 0 | 12580 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 299753 | 149374 | SH |  | SOLE |  | 0 | 0 | 149374 |
| SOUTHERN CO | COM | 842587107 |  | 245278 | 351703 | SH |  | SOLE |  | 0 | 0 | 351703 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 21818945 | 873 | SH |  | SOLE |  | 0 | 0 | 873 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 16645307 | 2671 | SH |  | SOLE |  | 0 | 0 | 2671 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 9847006 | 1357 | SH |  | SOLE |  | 0 | 0 | 1357 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 260745 | 722 | SH |  | SOLE |  | 0 | 0 | 722 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 1862032 | 3688 | SH |  | SOLE |  | 0 | 0 | 3688 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 28104543 | 1280 | SH |  | SOLE |  | 0 | 0 | 1280 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 25552364 | 3709 | SH |  | SOLE |  | 0 | 0 | 3709 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 878959 | 382721 | SH |  | SOLE |  | 0 | 0 | 382721 |
| VISA INC | COM CL A | 92826C839 |  | 454464 | 20908 | SH |  | SOLE |  | 0 | 0 | 20908 |
| AMGEN INC | COM | 031162100 |  | 290658 | 459 | SH |  | SOLE |  | 0 | 0 | 459 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 620545 | 144576 | SH |  | SOLE |  | 0 | 0 | 144576 |
| COMMUNITY FINANCIAL SYSTEM I | COM | 203607106 |  | 2551359 | 64107 | SH |  | SOLE |  | 0 | 0 | 64107 |
| PROGRESSIVE CORP | COM | 743315103 |  | 1882964 | 199090 | SH |  | SOLE |  | 0 | 0 | 199090 |
| TESLA INC | COM | 88160R101 |  | 229351 | 2702 | SH |  | SOLE |  | 0 | 0 | 2702 |

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