Waterford Advisors, LLC

Waterford Advisors, LLC is a fee-based investment adviser established in 2000 and registered with the SEC. The firm specializes in providing continuous advice on portfolio management services, financial planning, and consulting services. They manage client assets totaling $337,296,542 on a discretionary basis and provide ongoing advisory services for an additional $54,345,131 of client assets. Waterford offers personalized investment advice based on individual client needs, goals, and risk tolerance, with a focus on asset allocation and fundamental analysis. Clients can choose between discretionary or non-discretionary account management, with investment recommendations primarily focused on no-load or load-waived mutual funds and ETFs. The firm may recommend establishing brokerage accounts with Schwab Institutional for custody and trading services. Waterford also offers model portfolio management services through Orion Portfolio Solutions, diversifying client assets among mutual funds based on individual risk profiles. Fees for portfolio management services are based on a percentage of assets under management, with annual fees ranging from 0.35% to 1.20%. Financial planning services are provided at no additional charge to existing asset management clients. Waterford does not charge performance-based fees and acts as a fiduciary, putting clients' interests first. Clients have investment discretion and are responsible for voting on securities and making proxy decisions. The firm has no reportable disciplinary events and maintains a Code of Ethics to ensure high ethical standards.