Michael D Harmer

Employer firm

Waterford Advisors, LLC CRD 119442

$399M regulatory AUM

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• Portfolio management (institutions)

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 01/2012 → Present
  Waterford Advisors, Llc
  Orchard Park, NY
• 01/2012 → Present
  Cadaret, Grant & Co., Inc.
  Orchard Park, NY

Other Businesses

1) Waterford Advisors, LLC, Orchard Park, NY, Tax Preparation/Compliance, Financial Planner/Tax Preparer since 6/2012, 50% of business, salary. Enrolled Agent since 3/2015. 2)SVT International Inc., S-Corp, shareholder, 18.75% Owner since 1/2018, a disregarded entity for tax purposes, owns 100% OF Waterford Advisors, LLC. 3) Waterford Advisors, IAR since 4/2023, Orchard Park, NY, 160 hours per month, 120 during market, investment related.

Designations

• Certified Financial Planner