Gregory L. Kozerski

WATERFORD ADVISORS

Orchard Park, NY 14127

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CRD#: 3125031

Professional summary

Gregory Leonard Kozerski SR, AIF®, CFP® is a registered financial advisor currently at WATERFORD ADVISORS, LLC located in Orchard Park, New York.

Gregory is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1998. Gregory has worked at 3 firms and has passed the Series 63, SIE, Series 7, Series 6 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

(1) CADARET, GRANT & CO., INC., ORCHARD PARK, NY 14221--INVESTMENT RELATED--REGISTERED REPRESENTATIVE SINCE 07/20/2000--0 HOURS/MONTH--0 HOURS/DAY DURING SECURITIES TRADING HOURS. (2) GREGORY KOZERSKI, Enrolled Agent, CPA PREPARES INCOME TAX RETURNS FOR ADVISORY CLIENTS 10 HOURS/WEEK ANNUALLY FROM FEBRUARY-APRIL 15; (3) INSURANCE SALES, AGENT, START 2001, 5% OF TIME DEVOTED TO ACTIVITY, SELL TERM LIFE, VARIABLE ANNUITY, DISABILITY AND LONG TERM CARE INSURANCE PRODUCTS WITH VARIOUS COMPANIES; (4) SVT International Inc., S-Corp, SHAREHOLDER, 18.75% Owner, SINCE 2005, A DISREGARDED ENTITY FOR TAX PURPOSES, OWNS 100% OF WATERFORD ADVISORS, LLC.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Gregory Leonard Kozerski SR's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

AIF^®

Accredited Investment Fiduciary

CFP^®

Certified Financial Planner

Start date: 2001

Experience

Current

February 15, 2018 - Present

WATERFORD ADVISORS, LLC

Office #1: 3858 North Buffalo Rd Suite 2, Orchard Park, NY 14127

RIA

CRD#: 119442

Orchard Park, NY

Past

November 18, 2010 - December 31, 2010

WATERFORD ADVISORS, LLC

RIA

CRD#: 119442

WILLIAMSVILLE, NY

Past

August 26, 2010 - April 21, 2025

CADARET, GRANT & CO., INC.

RIA

CRD#: 10641

Orchard Park, NY

Past

July 20, 2000 - April 21, 2025

CADARET, GRANT & CO., INC.

CRD#: 10641

Orchard Park, NY

Past

September 23, 1998 - July 25, 2000

SECURITIES AMERICA, INC.

CRD#: 10205

LAVISTA, NE

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

WATERFORD ADVISORS, LLC

CRD#: 119442 / SEC#: 801-62941

RIA

Registered Investment Advisory firm - (4/9/2004 Approved)

New York

Registered Investment Advisory firm - (5/6/2004 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Florida
(4/16/2018)

IAR

New York
(4/29/2022)

IAR

Texas
(2/15/2018)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

Series 63

Date: 9/21/1998

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 10/13/2003

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 9/21/1998

Investment Company Products/Variable Contracts Representative Examination

Principal/Supervisory Exam

Series 24

Date: 12/17/2003

General Securities Principal Examination

Current Firm

WATERFORD ADVISORS, LLC

CRD#: 119442 / SEC#: 801-62941

RIA

Registered Investment Advisory firm - (4/9/2004 Approved)

New York

Registered Investment Advisory firm - (5/6/2004 Terminated)

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Contact information

Main Address

3858 North Buffalo Rd Suite 2, Orchard Park, NY 14127

Mailing Address

Phone number

(716) 580-3906

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (3 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

WATERFORD ADVISORS ADV PART 2 BROCHURE 20250421 (4/21/2025)

Regulatory assets under management

Total Number of Accounts	935
AUM (Assets Under Management)	$ 337,296,542

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Gregory L. Kozerski

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Gregory Leonard Kozerski SR's CRS (Customer Relationship Summary).

Certified licenses

Experience

WATERFORD ADVISORS, LLC

CADARET, GRANT & CO., INC.

CADARET, GRANT & CO., INC.

SECURITIES AMERICA, INC.

Primary Firm SEC Registration

WATERFORD ADVISORS, LLC

State Registrations and Notice Filings

Exams

Series 63

Date: 9/21/1998

SIE

Date: 10/1/2018

Series 7

Date: 10/13/2003

Series 6

Date: 9/21/1998

Series 24

Date: 12/17/2003

Current Firm

WATERFORD ADVISORS, LLC

Contact information

SEC notice filing (3 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

WATERFORD ADVISORS, LLC

TRUST BUT VERIFY

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