Waterford Advisors, LLC

Gregory Kozerski is a CFP® with 27 years of industry experience and has been with Waterford Advisors, LLC since 2001. He also has a background as a CPA since 1987 and prepares income tax returns for advisory clients annually during tax season. Kozerski holds a Series 63 license and has been associated with Cadaret, Grant & Co., Inc. since 2000. Waterford Advisors serves individuals, pension and profit-sharing plans, trusts, and estates with discretionary portfolio management, financial planning, and retirement-plan consulting. The firm emphasizes strategic asset allocation and fundamental analysis, managing portfolios primarily invested in mutual funds and ETFs.

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® with 18 years of experience in financial planning and investment advisory. She has been with Waterford Advisors, LLC and Cadaret, Grant & Co., Inc. since 2007. In addition to her advisory role, she is an enrolled agent who prepares income taxes and serves as president of the Financial Planning Association of Western New York. Waterford Advisors serves individuals, pension and profit-sharing plans, trusts, and estates by providing discretionary portfolio management, comprehensive financial planning, and retirement-plan consulting. The firm manages approximately $337 million in assets for about 292 clients, focusing on strategic asset allocation and fundamental analysis with customized investment policies.

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.