Waterford Advisors, Llc
- Regulatory AUM
- $399M
- Discretionary
- $399M
- Clients
- 351
- Avg AUM / client
- $1.1M
- Accounts
- 988
- Employees
- 10
AUM over time
Reported AUM from Form ADV filings, plotted by filing date · as of Mar 31, 2026
Who they serve
| Client type | Clients | AUM | % of AUM |
|---|---|---|---|
| Individuals (non-high net worth) | 212 | $54.9M | 13.8% |
| High net worth individuals | 139 | $344M | 86.2% |
Nonprofit clients
Charities that reported this firm as a top-paid contractor (investment services) on Form 990.
| Charity | Location | Period |
|---|---|---|
| Accelerate The National Collaborative For Accelerated Lear EIN 883207484 | Nashville, TN | 06/30/2025 |
Retirement plan clients
Plans that reported this firm as an investment service provider on Form 5500 Schedule C.
| Plan | Location | Plan year |
|---|---|---|
| Tronconi Segarra & Associates Llp 401(k) Profit Sharing Plan Tronconi Segarra & Associates Llp | 2024 |
People (8)
roster as of Jul 20, 2026| Name | Role / title | Credentials | With firm since | Ownership |
|---|---|---|---|---|
| Gregory Leonard Kozerski | Chief Compliance Officer | CFP | May 2001 (25y) | ≈ 37.5% – 75% via Svt International, Inc |
| Hore, David, Thomas | Owner | Dec 2006 (20y) | GP / trustee / elected manager of Svt International, Inc (indirect) | |
| Christina Marie Michalczak | Owner | CFP | Jan 2015 (12y) | GP / trustee / elected manager of Svt International, Inc (indirect) |
| Michael D Harmer | Owner | CFP | Jan 2018 (9y) | GP / trustee / elected manager of Svt International, Inc (indirect) |
| Daniel Byles Smith | Owner | CFP | Jan 2021 (6y) | GP / trustee / elected manager of Svt International, Inc (indirect) |
| Ryan Michael Di Pasquale | Registered representative | CFP | Dec 2024 (2y) | |
| Samantha Leigh Thomas | Registered representative | CFP | Jun 2025 (1y) | |
| Ryan Clayton Smith | Registered representative | CFP | Dec 2025 (1y) |
Entity owners (Schedule A/B)
| Entity | Title / status | Since | Sch. | Ownership |
|---|---|---|---|---|
| Svt International, Inc | Member | Dec 2006 | A | 75% or more |
Undisclosed: 0% – 25% of the firm is not attributable from the filed Schedule A bands.
Estimated effective ownership (look-through of filed bands):
- Gregory Leonard Kozerski: 50% – 75% of Svt International, Inc × 75% – 100% direct ≈ 37.5% – 75% of the firm
Roster from the IAPD representatives feed; ownership and acquisition dates from Form ADV Schedule A/B. "Since" is the earliest filed registration or acquisition date.
Retirement plans served (1)
| Plan | Sponsor | Participants | Plan assets | As of |
|---|---|---|---|---|
| Tronconi Segarra & Associates Llp 401(k) Profit Sharing Plan | Tronconi Segarra & Associates Llp | 130 | $18.8M | 01/01/2024 |
From Form 5500 service-provider disclosures.
Foundations & charities (1)
| Organization | Type | Assets | As of |
|---|---|---|---|
| Accelerate The National Collaborative For Accelerated Lear | Public charity | $12.1M | 06/30/2025 |
From IRS Form 990 investment-management-fee disclosures.
Documents (1 archived)
| Form | Period | Size | |
|---|---|---|---|
| Form ADV (full filing) | 03/31/2026 | 836 KB | View · PDF · Source ↗ |
Archived copies of the firm's regulatory filings, versioned by content hash.
Disciplinary disclosures
No disciplinary events reported on the firm's latest Form ADV filing.
How they charge
- • Percentage of assets under management
- • Hourly charges
- • Fixed fees
Services
- • Financial planning services
- • Portfolio management for individuals/small businesses
- • Portfolio management for businesses/institutional clients
Custody
Reported custodians
- Charles Schwab & Co. $394M (99% of AUM) Mar 2026
Amounts as reported in ADV Item 5.K.(3) (custodians holding 10%+ of SMA assets).
Firm reports having custody of client funds or securities (Item 9.A).
Source
All data on this page comes from this firm's Form ADV filings, reproduced without modification. Latest filing: Mar 31, 2026.
View current Form ADV (SEC/IAPD) ↗