{"url":"https://nivawealth.com/firms/waterford-advisors-119442","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/119442","regulatoryAum":399125492,"crd":"119442","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6702916","suffix":null,"lastName":"Byles-Smith","firstName":"Daniel","middleName":null},{"crd":"6880701","suffix":null,"lastName":"DiPasquale","firstName":"Ryan","middleName":"Michael"},{"crd":"6018998","suffix":null,"lastName":"HARMER","firstName":"MICHAEL","middleName":"D"},{"crd":"3125031","suffix":"SR","lastName":"KOZERSKI","firstName":"GREGORY","middleName":"LEONARD"},{"crd":"5282570","suffix":null,"lastName":"MICHALCZAK","firstName":"CHRISTINA","middleName":"MARIE"},{"crd":"7028358","suffix":null,"lastName":"Smith","firstName":"Ryan","middleName":"Clayton"},{"crd":"7214168","suffix":null,"lastName":"Thomas","firstName":"Samantha","middleName":"Leigh"}],"total":7,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-01-15","regulatoryAum":316000736,"clients":242,"employees":8,"offices":1},{"filedOn":"2022-02-16","regulatoryAum":363939463,"clients":323,"employees":9,"offices":1},{"filedOn":"2023-03-09","regulatoryAum":268906449,"clients":323,"employees":9,"offices":1},{"filedOn":"2024-02-29","regulatoryAum":300330770,"clients":274,"employees":10,"offices":1},{"filedOn":"2025-04-21","regulatoryAum":337296542,"clients":292,"employees":10,"offices":1},{"filedOn":"2026-03-31","regulatoryAum":399125492,"clients":351,"employees":10,"offices":1}],"secFileNumber":"801-62941","legalName":"Waterford 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Waterford Advisors offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Waterford Advisors charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Waterford Advisors use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Waterford Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Waterford Advisors invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Waterford Advisors?","answer":"Waterford Advisors’ direct owner is SVT International, Inc (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Waterford Advisors get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Waterford Advisors?","answer":"Waterford Advisors’ main office is at 3858 North Buffalo RD, Suite 2, Orchard Park, NY 14127. Its phone number is 716-580-3906. 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}