Waterford Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, education planning, estate planning, insurance, retirement plan services, and tax planning. Financial planning was provided to 251–500 clients last fiscal year.
Waterford Advisors reports 351 clients. They include 212 individual clients and 139 high-net-worth individuals. Of its assets, 100.0% ($399M across 988 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 60% | 14% |
| High-net-worth individuals | 40% | 86% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 212 | $54.9M | 13.8% | $259K |
| High-net-worth individuals | 139 | $344M | 86.2% | $2.48M |
| Total | 351 | $399M | 100% | $1.14M |
- Clients
- 212
- Regulatory AUM
- $54.9M
- AUM share
- 13.8%
- Avg. per client
- $259K
- Clients
- 139
- Regulatory AUM
- $344M
- AUM share
- 86.2%
- Avg. per client
- $2.48M
Total
- Clients
- 351
- Regulatory AUM
- $399M
- AUM share
- 100%
- Avg. per client
- $1.14M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Waterford Advisors charges 0.35%–1.20% a year for its Portfolio Management Services. The fee is billed in advance.
Fee details and sources
SVT International, Inc owns 75% or more of Waterford Advisors. The leadership team of Waterford Advisors includes Chief Compliance Officer Christina Michalczak. It has 10 employees, 7 of them in advisory roles.
Leadership
- Christina MichalczakChief Compliance Officer
Investment adviser representatives
7 representatives listed in the SEC register as of 9 October 2026.
- Daniel Byles-Smith
- Ryan Michael DiPasquale
- Michael D Harmer
- Gregory Leonard Kozerski SR
- Christina Marie Michalczak
- Ryan Clayton Smith
- Samantha Leigh Thomas
Staff
- 10 employees
- 7 in advisory functions
- 7 state-registered reps
- 1 insurance agent
- 2 soliciting firms
- Owns 75% or more of Waterford Advisors, LLC
SVT International, Inc
since December 2006
Gregory Kozerski
Member · Control person · since December 2006
Christina Michalczak
Owner · since January 2015
Michael Harmer
Owner · since January 2018
Daniel Byles-Smith
Owner · since January 2021
David Hore
Owner · since December 2006
Waterford Advisors’ regulatory assets grew from $316M (January 2021) to $399M (March 2026); clients rose from 242 to 351 and employees from 8 to 10.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $399M | 351 | 10 | 1 |
| April 2025 | $337M | 292 | 10 | 1 |
| February 2024 | $300M | 274 | 10 | 1 |
| March 2023 | $269M | 323 | 9 | 1 |
| February 2022 | $364M | 323 | 9 | 1 |
| January 2021 | $316M | 242 | 8 | 1 |
Besides its headquarters, Waterford Advisors has 0 offices, with 1 listed address in New York.
New York · 1 listed address
- 3858 North Buffalo RD, Suite 2, Orchard ParkHQ
Contact and registration details
- Legal name
- Waterford Advisors, LLC
- Headquarters
- 3858 North Buffalo RD, Suite 2, Orchard Park, NY 14127
- Website
- waterfordadv.com
- Phone
- 716-580-3906
- @6157588
- SEC file
- 801-62941
- Founded
- 2000
- Structure
- New York LLC
- Fiscal year end
- December
Waterford Advisors uses Charles Schwab ($394M) as custodian for its separately managed accounts. Waterford Advisors has custody of $167M in client assets for 351 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $394M100%
At year end, Waterford Advisors’ separately managed accounts were mostly in stocks (75%) and funds (13%). Its reported 13F holdings for the quarter ended 30 June 2026 total $366M across 64 positions; the largest are iShares TR (19.0%), Vanguard Index Fds (9.6%) and Vanguard Index Fds (9.1%).
What the accounts hold
- Stocks75%
- Exchange-traded equities67%
- Non-exchange-traded equities8%
- Funds13%
- Bonds5%
- Cash6%
Filed values cover 99%. The neutral 1% gap has no reported category.
Reported 13F holdings
- $366M
- Reported 13F value
- 64
- Positions
- 77.1%
- In the 10 largest
- +195.2%
- Value vs. prior quarter
- iShares TR · Core S&P500 ETF19.0%
- Vanguard Index Fds · Value ETF9.6%
- Vanguard Index Fds · Growth ETF9.1%
- Vanguard Tax-managed Fds · Van FTSE Dev Mkt7.9%
- Dimensional ETF Trust · Natl Mun BD ETF7.9%
- Schwab Strategic TR · US Sml Cap ETF6.9%
- Vanguard BD Index Fds · Short Trm Bond5.6%
- Vanguard BD Index Fds · Long Term Bond4.5%
- Vanguard Intl Equity Index F · FTSE Emr Mkt ETF3.5%
- Vanguard BD Index Fds · Total Bnd Mrkt3.2%
Together, the ten largest are 77.1% of reported value.
How many clients does Waterford Advisors have?
Waterford Advisors has 351 clients and manages $399 million for them, as of March 2026. They include 212 individual clients and 139 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026
What services does Waterford Advisors offer?
Waterford Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, education planning, estate planning, insurance, retirement plan services, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Waterford Advisors charge?
Waterford Advisors charges 0.35%–1.20% a year for its Portfolio Management Services. The fee is billed in advance.
Source: WATERFORD ADVISORS FORM ADV PART 2A, filed 31 March 2026
Which custodians does Waterford Advisors use?
Waterford Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $394M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026
How many financial advisors does Waterford Advisors have?
Waterford Advisors has 7 investment adviser representatives registered with state securities authorities, out of 10 employees, and 7 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Waterford Advisors invest in?
At the end of its last fiscal year, Waterford Advisors’ separately managed accounts held 67% exchange-traded equities, 13% registered funds (mutual funds, ETFs, BDCs), 8% non-exchange-traded equities, 6% cash and equivalents and 5% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Waterford Advisors?
Waterford Advisors’ direct owner is SVT International, Inc (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 31 March 2026
How does Waterford Advisors get paid?
Waterford Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Waterford Advisors?
Waterford Advisors’ main office is at 3858 North Buffalo RD, Suite 2, Orchard Park, NY 14127. Its phone number is 716-580-3906. Its website is waterfordadv.com.