Quarterly Investment C O M M E N T A R Y

Our midyear Investment Commentary is divided into two parts. First is a brief recap of our shared investment philosophy; second is our perspective on the current situation. As always, we welcome your questions/comments. GENERAL PRINCIPLES You and our team are long-term, goal-focused, planning-driven equity investors. We’ve found that the best course for us is to… Read more »

Using Annuities to Increase Predictable Income in Retirement

The management of a distribution portfolio is unique and should be designed differently from the management of an accumulation portfolio. However, complex distribution planning is still a developing area within the arena of Financial Planning. After focusing much of your investment lifetime on maximizing wealth accumulation through contributions and rates of return, your attention must… Read more »

Congrats Dan!

We would like to wish a very special “Congratulations” to Dan and Jill Byles-Smith on the safe arrival of a new addition to their family! Emily was born June 16, 2021 weighing 6 lbs. 5 oz. and measuring 20 inches long. Both Jill and baby Emily are doing very well. Dan and Jill are happy… Read more »

HEART For Animals

This summer, Waterford is helping HEART Animal Rescue curb kitten overpopulation by donating to cover spaying and neutering fees for cats in their care. Millions of healthy, adoptable animals are euthanized simply because there are not enough homes for them. Spaying or neutering your pets is the most effective way to reduce the vast number… Read more »

Welcoming Sam to the Waterford Team

Please join us in welcoming Samantha Thomas to our firm as a full-time Junior Planner! Sam graduated in May from the University at Buffalo with her Bachelor of Science in Business Administration with a concentration in Financial Analysis. She will be assisting our Financial Planning and Tax Departments with meeting preparation and follow up, data… Read more »

Tax Corner

The past year has been unique and challenging in many ways. It has also provided us the opportunity to reflect on values and things we hold dear. In many cases, this includes a greater appreciation for the community around us which allows us to thrive. This quarter, we have decided to replace our typical Tax… Read more »

Celebrating a New Waterford Generation

Please enjoy an update on some of our newest additions to the “Waterford family.” Thomas W. Byles-Smith; on left (Born 4/21/2016 to parents Dan and Jill Byles-Smith) Jonathan M. Byles-Smith; on right (Born 10/17/2018 to parents Dan and Jill Byles-Smith) Maeve Rae Harmer (Born 10/19/2020 to parents Mike and Marissa Harmer) Joseph David “Joey” Michalczak… Read more »