# Waterford Advisors, LLC

> Waterford Advisors, LLC is an SEC-registered investment advisory firm in Orchard Park, NY, registered since 2004, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 31, 2026.

- CRD: 119442
- Filed as: WATERFORD ADVISORS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Orchard Park, NY
- Filing period: October 2026
- Form ADV filing dated: March 31, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/119442
- AdvisorCensus page: https://advisorcensus.com/firm/waterford-advisors-llc-orchard-park-ny-119442

## Quick answers

**How is Waterford Advisors, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Waterford Advisors, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees). The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Where is Waterford Advisors, LLC located?**
Waterford Advisors, LLC's principal office is in Orchard Park, NY, according to its Form ADV.

**Is Waterford Advisors, LLC registered with the SEC or a state?**
Waterford Advisors, LLC is an SEC-registered investment advisory firm, registered since 2004. Status as filed: Approved. CRD 119442.

**How much does Waterford Advisors, LLC manage?**
Waterford Advisors, LLC reports $399,125,492 in regulatory assets under management in its Form ADV filing dated March 31, 2026 (100% discretionary).

**How have Waterford Advisors, LLC's assets and staff changed since 2021?**
In the Form ADV data for Waterford Advisors, LLC: Regulatory assets under management: $316,000,736 in the October 2021 data and $399,125,492 in the October 2026 data, up 26%. Total employees: 8 in October 2021 and 10 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Waterford Advisors, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (212); high net worth individuals (139).

**Which custodians does Waterford Advisors, LLC use?**
Waterford Advisors, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Waterford Advisors, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/119442

**What changed in Waterford Advisors, LLC's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 5 to 7. Regulatory assets under management went from $337,296,542 to $399,125,492 (+18%). Registered or notice-filed in CA, MD.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $399,125,492
- Discretionary: $399,125,492
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 212 | $54,889,184 |
| High net worth individuals | 139 | $344,236,308 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients

### Firm details
- Registered since: 2004 (22 years)
- Employees: 10 total, 7 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, FL, MD, NY, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [waterfordadv.com](https://waterfordadv.com)
- Facebook @WATERFORD-ADVISORS-LLC-1598900507090062
- LinkedIn @6157588

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $316,000,736 | 8 | January 15, 2021 |
| October 2022 | $363,939,463 | 9 | February 16, 2022 |
| October 2023 | $268,906,449 | 9 | March 9, 2023 |
| October 2024 | $300,330,770 | 10 | February 29, 2024 |
| October 2025 | $337,296,542 | 10 | April 21, 2025 |
| October 2026 | $399,125,492 | 10 | March 31, 2026 |

Regulatory assets under management: $316,000,736 in the October 2021 data and $399,125,492 in the October 2026 data, up 26%.
Total employees: 8 in October 2021 and 10 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 5 to 7.
- Regulatory assets under management went from $337,296,542 to $399,125,492 (+18%).
- Registered or notice-filed in CA, MD.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Waterford Advisors, LLC (CRD 119442): Form ADV filing data as of October 2026.