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WA

Waterford Advisors Portfolio holdings

AUM $315M
1-Year Est. Return 15.21%
This Fund
S&P 500
This Quarter Est. Return
+1.91%
1 Year Est. Return
+15.21%
3 Year Est. Return
+40.47%
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$256M
AUM Growth
-$33.2M
Cap. Flow
-$37.2M
Cap. Flow %
-14.52%
Top 10 Hldgs %
85.75%
Holding
63
New
9
Increased
10
Reduced
15
Closed
15

Top Buys

Rank Stock Value
1
DFNM icon
Dimensional National Municipal Bond ETF
DFNM
+$25.4M
2
DFSV
Dimensional US Small Cap Value ETF
DFSV
+$8.98M
3
VOT icon
Vanguard Mid-Cap Growth ETF
VOT
+$6.58M
4
SCHG icon
Schwab US Large-Cap Growth ETF
SCHG
+$4.39M
5
CBSH icon
Commerce Bancshares
CBSH
+$2.35M

Top Sells

Rank Stock Value
1
BNDX icon
Vanguard Total International Bond ETF
BNDX
+$17.6M
2
BSV icon
Vanguard Short-Term Bond ETF
BSV
+$14.2M
3
BLV icon
Vanguard Long-Term Bond ETF
BLV
+$10.5M
4
FNDE icon
Schwab Fundamental Emerging Markets Large Company Index ETF
FNDE
+$10.3M
5
SCHZ icon
Schwab US Aggregate Bond ETF
SCHZ
+$9.02M

Sector Composition

Rank Sector Weight
1 Financials 3.74%
2 Technology 2.2%
3 Industrials 1.78%
4 Consumer Discretionary 0.41%
5 Healthcare 0.34%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
IVV icon
1
iShares Core S&P 500 ETF
IVV
$871B
$61M 23.84%
89,097
-2,346
-3% -$1.59M
VUG icon
2
Vanguard Growth ETF
VUG
$216B
$30.1M 11.76%
370,134
-18,570
-5% -$1.51M
VTV icon
3
Vanguard Value ETF
VTV
$190B
$29.1M 11.38%
152,498
+3,498
+2% +$658K
VEA icon
4
Vanguard FTSE Developed Markets ETF
VEA
$226B
$24.3M 9.51%
389,663
-1,366
-0.3% -$83.7K
DFNM icon
5
Dimensional National Municipal Bond ETF
DFNM
$2.24B
$23.8M 9.31%
+527,277
New +$25.4M
SCHA icon
6
Schwab U.S Small- Cap ETF
SCHA
$22.1B
$19.2M 7.51%
674,601
-10,342
-2% -$292K
VWO icon
7
Vanguard FTSE Emerging Markets ETF
VWO
$119B
$10.9M 4.27%
203,140
-1,380
-0.7% -$75K
DFSV
8
Dimensional US Small Cap Value ETF
DFSV
$8.26B
$10.1M 3.93%
+279,065
New +$8.98M
VOT icon
9
Vanguard Mid-Cap Growth ETF
VOT
$19.2B
$5.77M 2.26%
+22,986
New +$6.58M
SCHF icon
10
Schwab International Equity ETF
SCHF
$65.8B
$5.1M 1.99%
212,113
+305
+0.1% +$7.25K
SCHG icon
11
Schwab US Large-Cap Growth ETF
SCHG
$59.2B
$4.37M 1.71%
147,643
+135,063
+1,074% +$4.39M
RTX icon
12
RTX Corp
RTX
$296B
$2.77M 1.08%
15,105
– –
RSP icon
13
Invesco S&P 500 Equal Weight ETF
RSP
$98.2B
$2.62M 1.02%
13,663
-265
-2% -$50.3K
CBSH icon
14
Commerce Bancshares
CBSH
$8.73B
$2.58M 1.01%
+44,863
New +$2.35M
AAPL icon
15
Apple
AAPL
$5.05T
$2.3M 0.9%
8,475
+132
+2% +$35.4K
BRK.A icon
16
Berkshire Hathaway Class A
BRK.A
$1.1T
$2.26M 0.88%
3
+1
+50% +$746K
KEY icon
17
KeyCorp
KEY
$24B
$1.73M 0.68%
+83,952
New +$1.56M
PGR icon
18
Progressive
PGR
$128B
$1.61M 0.63%
+7,056
New +$1.59M
MSFT icon
19
Microsoft
MSFT
$2.96T
$1.32M 0.52%
2,730
-84
-3% -$42.1K
NVDA icon
20
NVIDIA
NVDA
$4.73T
$1.16M 0.45%
6,202
+190
+3% +$35.4K
SCHV
21
Schwab US Large-Cap Value ETF
SCHV
$15.8B
$1.14M 0.45%
34,807
-114,567
-77% -$3.35M
VB icon
22
Vanguard Small-Cap ETF
VB
$79.8B
$962K 0.38%
3,729
– –
SPY icon
23
State Street SPDR S&P 500 ETF Trust
SPY
$783B
$908K 0.35%
1,332
-25
-2% -$16.9K
EFA icon
24
iShares MSCI EAFE ETF
EFA
$77.3B
$878K 0.34%
9,146
-100
-1% -$9.48K
APH icon
25
Amphenol
APH
$188B
$849K 0.33%
+6,284
New +$841K
1
2 3

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Waterford Advisors's Q4 2025 Portfolio in Review

As of Q4 2025, Waterford Advisors held 63 positions worth $256M, down 11% from $289M the previous quarter. Its ten largest holdings account for 86% of the portfolio.

Waterford Advisors withdrew a net $37.2M in Q4 2025, closing 15 positions and reducing 15 holdings. Its most notable exit was Vanguard Total International Bond ETF, an estimated $17.6M position sold in full.

By sector, the portfolio is most concentrated in Financials at 3.7% of assets, up from 1% a quarter earlier, followed by Technology and Industrials.

Against the trend, Waterford Advisors opened a new position in Dimensional National Municipal Bond ETF worth $23.8M.

  • Waterford Advisors's largest Q4 2025 buy was Dimensional National Municipal Bond ETF: 527,277 shares worth $23.8M.
  • Waterford Advisors added most to Schwab US Large-Cap Growth ETF in Q4 2025, an estimated $4.39M increase.
  • Waterford Advisors's biggest Q4 2025 reduction was Schwab US Large-Cap Value ETF, cutting an estimated $3.35M.
  • Waterford Advisors fully exited Vanguard Total International Bond ETF in Q4 2025, selling an estimated $17.6M.
  • Waterford Advisors's ten largest holdings make up 86% of its $256M portfolio in Q4 2025.
  • Waterford Advisors opened 9 new positions and closed 15 in Q4 2025.
  • Waterford Advisors's portfolio value fell 11% quarter-over-quarter to $256M.

Based on Waterford Advisors's 13F filing for Q4 2025, filed 20 Feb 2026.