Waterford Advisors, LLC

Gregory Kozerski Sr. is a Certified Financial Planner® with 28 years of industry experience. He has been with Waterford Advisors, LLC since 2001 and has professional experience as a CPA dating back to 1987. In addition to his advisory role, he prepares income tax returns for clients annually during tax season and sells various insurance products, including term life and disability insurance. Waterford Advisors is a fee-based, SEC-registered advisory team serving individuals, pension and profit-sharing plans, trusts, and estates. The firm provides discretionary portfolio management, comprehensive financial planning, and retirement-plan consulting, managing approximately $399 million in assets using diversified asset-allocation models and ongoing account reviews.

Daniel Byles Smith is a CFP® professional with three years of industry experience, currently serving as an advisor at Waterford Advisors, LLC, where he has worked for ten years. The firm is a fee-based, SEC-registered advisory team that provides discretionary portfolio management, comprehensive financial planning, and retirement-plan consulting for individuals—including high-net-worth clients—as well as pension and profit-sharing plans, trusts, and estates. Waterford manages approximately $399 million in client assets using diversified asset-allocation models and written Investment Policy Statements.

Ryan Di Pasquale is a CFP® professional with eight years of experience at Waterford Advisors, LLC. Prior to joining the firm, he worked with Canisius University and St. Francis High School. He also serves as a bookkeeper for the Erie County Association of School Boards. Waterford Advisors serves individuals, pension and profit-sharing plans, trusts, and estates with discretionary portfolio management, financial planning, and retirement-plan consulting. The firm manages approximately $337 million in discretionary assets for about 292 clients, focusing on strategic asset allocation and fundamental analysis with customized investment policies.

Ryan Smith is a CFP® professional with four years of industry experience. He is currently with Waterford Advisors, LLC and previously worked at Dopkins Wealth Management and Canisius College. Waterford Advisors serves individuals, pension and profit-sharing plans, trusts, and estates with discretionary portfolio management, comprehensive financial planning, and retirement-plan consulting. The firm manages over $337 million in discretionary assets and employs a strategic asset allocation approach, utilizing mutual funds, ETFs, and model portfolios tailored to client needs.

Michael Harmer is a CFP® professional with 10 years of experience, affiliated with Waterford Advisors, LLC in Orchard Park, NY. He has worked at Cadaret, Grant & Co., Inc. and Waterford Advisors since 2012. In addition to his advisory role, he provides tax preparation and compliance services as an Enrolled Agent. Waterford Advisors serves individuals, including high-net-worth clients, pension and profit-sharing plans, trusts, and estates, offering discretionary portfolio management, comprehensive financial planning, and retirement-plan consulting. The firm emphasizes strategic asset allocation and fundamental analysis, managing portfolios primarily invested in mutual funds and ETFs.

Christina Michalczak is a CFP® and Series 66-licensed financial advisor with 19 years of experience, currently with Waterford Advisors, LLC. She has worked consistently at both Waterford Advisors and Cadaret, Grant & Co., Inc. since 2007. Outside of her advisory role, she serves as president of the Financial Planning Association of Western New York and is also an enrolled agent providing tax preparation services. Waterford Advisors is an SEC-registered advisory team managing approximately $399 million in client assets. The firm serves individuals, including high-net-worth clients, as well as pension plans, trusts, and estates through discretionary portfolio management and comprehensive financial planning, utilizing diversified asset allocation models and ongoing account reviews.

Samantha Thomas is a CFP® professional with six years of experience at Waterford Advisors, LLC. She has been with the firm since 2020 and previously worked at SUNY - Buffalo. Waterford Advisors serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, and estates. The firm offers discretionary portfolio management, comprehensive financial planning, and retirement-plan consulting, with an investment process focused on strategic asset allocation and fundamental analysis.