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 »

What is a Target Date Fund Glide Path?

A Target Date Fund (TDF) is the “set it and forget it” fund option for many 401(k) plan participants and retirement investors. This type of fund automatically rebalances the overall asset allocation for a targeted mix of equity and fixed income investments based on the investor’s age and an assumed retirement date. Often TDFs are… 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 »

Market R E C A P

Global stocks continued to power upward this quarter from their pandemic bear market low on March 23, 2020. U.S. stocks, developed international stocks, and emerging-market stocks are now up an astonishing 80.6%, 74.8%, and 74.6%, respectively, since then. Clearly, it paid not to panic and get out of the markets last spring. Due to expectations… 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 »

2020 Q4 Tax Corner: Important Information for the 2021 Tax Year

We believe that tax management is an integral part of financial planning and portfolio management, and that it is not possible to successfully execute an investment strategy without taking tax planning into consideration. All of Waterford’s planners are Certified Financial Planners and are also either Certified Public Accountants or Enrolled Agents. We employ tax management… Read more »

Charles Schwab Acquires TD Ameritrade

The Charles Schwab Corporation (“Schwab”) completed its acquisition of TD Ameritrade Holding Corporation (“TD Ameritrade”) on October 6th in an all-stock deal valued at $22 billion uniting two of the four largest players in the RIA custody market into one company housing roughly $6 trillion in combined assets and 28 million brokerage accounts. The combination… Read more »

Welcome Baby Maeve!

We would like to wish a very special “Congratulations” to Mike and Marissa Harmer on the safe arrival of their beautiful baby girl this October! Maeve Rae Harmer was born October 19th, 2021 weighing 6 lbs. 6 oz. Both Marissa and baby Maeve are doing very well.

Ellen Ties The Knot!

Please join us is congratulating Michael Brennan and Ellen Bosco-Brennan on their wedding! Ellen and Mike were married on October 18th in a private ceremony at home with family. May the years ahead be filled with lasting joy, happiness, and love. Ellen and Mike are happy to share in the excitement with their 2-year-old daughter,… Read more »