13F HOLDINGS REPORT
Tandem Financial, LLC
Quarter ended Q3 2025 · Filed October 31, 2025 · Accession 0001420506-25-002960
Total Value
$268.8M
Positions
89
Other Managers
0
Confidential Omitted
No
Holdings (89)
| # | Issuer | Ticker / CUSIP | Shares | Value | % of Filing |
|---|---|---|---|---|---|
| 1 | ISHARES TR | 464287200 | 79,529 | $53.2M | 19.80% |
| 2 | VANGUARD BD INDEX FDS | 921937819 | 274,110 | $21.4M | 7.96% |
| 3 | VANECK ETF TRUST | 92189F106 | 188,762 | $14.4M | 5.36% |
| 4 | SPDR S&P 500 ETF TR | SPY | 16,270 | $10.9M | 4.04% |
| 5 | SCHWAB STRATEGIC TR | 808524730 | 281,461 | $10.2M | 3.79% |
| 6 | INVESCO QQQ TR | IVZ | 16,329 | $9.8M | 3.65% |
| 7 | ISHARES TR | 464288307 | 94,217 | $7.8M | 2.90% |
| 8 | J P MORGAN EXCHANGE TRADED F | 46641Q761 | 116,943 | $7.4M | 2.74% |
| 9 | VANGUARD SCOTTSDALE FDS | 92206C847 | 126,534 | $7.2M | 2.68% |
| 10 | GOLDMAN SACHS PHYSICAL GOLD | 38150K103 | 163,270 | $6.2M | 2.32% |
| 11 | ISHARES TR | 464288109 | 65,638 | $5.9M | 2.20% |
| 12 | VANECK ETF TRUST | 92189H748 | 109,657 | $5.8M | 2.17% |
| 13 | J P MORGAN EXCHANGE TRADED F | 46654Q716 | 104,880 | $5.7M | 2.11% |
| 14 | VANGUARD CHARLOTTE FDS | 92203J407 | 100,946 | $5.0M | 1.86% |
| 15 | ISHARES TR | 464287614 | 10,104 | $4.7M | 1.76% |
| 16 | QUANTA SVCS INC | 74762E102 | 11,115 | $4.6M | 1.71% |
| 17 | INVESCO EXCH TRD SLF IDX FD | IVZ | 74,597 | $4.1M | 1.53% |
| 18 | ISHARES TR | 464287598 | 20,059 | $4.1M | 1.52% |
| 19 | DIMENSIONAL ETF TRUST | 25434V104 | 80,439 | $3.7M | 1.37% |
| 20 | SPDR SERIES TRUST | 78464A599 | 18,297 | $3.6M | 1.35% |
| 21 | SPDR GOLD TR | GLD | 9,781 | $3.5M | 1.29% |
| 22 | ISHARES TR | 464287655 | 14,142 | $3.4M | 1.27% |
| 23 | VANGUARD INTL EQUITY INDEX F | 922042858 | 61,536 | $3.3M | 1.24% |
| 24 | MP MATERIALS CORP | MP | 43,338 | $2.9M | 1.08% |
| 25 | FIRST TR EXCHANGE-TRADED FD | 33739Q705 | 58,838 | $2.9M | 1.08% |
| 26 | ISHARES TR | 464288760 | 13,287 | $2.8M | 1.03% |
| 27 | VANGUARD TAX-MANAGED FDS | 921943858 | 44,312 | $2.7M | 0.99% |
| 28 | MICROSOFT CORP | MSFT | 5,016 | $2.6M | 0.97% |
| 29 | DIMENSIONAL ETF TRUST | 25434V708 | 63,795 | $2.5M | 0.92% |
| 30 | DIMENSIONAL ETF TRUST | 25434V799 | 70,458 | $2.3M | 0.86% |
| 31 | PHILIP MORRIS INTL INC | 718172109 | 14,238 | $2.3M | 0.86% |
| 32 | TCW ETF TRUST | 29287L700 | 57,548 | $2.3M | 0.85% |
| 33 | SPROTT FDS TR | SII | 37,670 | $2.3M | 0.85% |
| 34 | APPLE INC | AAPL | 8,912 | $2.3M | 0.84% |
| 35 | DIMENSIONAL ETF TRUST | 25434V302 | 58,485 | $1.8M | 0.69% |
| 36 | NUVEEN MUN VALUE FD INC | NU | 137,065 | $1.2M | 0.46% |
| 37 | GOLDMAN SACHS ETF TR | NVGLF | 23,431 | $1.2M | 0.46% |
| 38 | DIMENSIONAL ETF TRUST | 25434V831 | 31,614 | $1.2M | 0.44% |
| 39 | DIMENSIONAL ETF TRUST | 25434V583 | 20,009 | $1.1M | 0.41% |
| 40 | SPDR SERIES TRUST | 78464A649 | 41,431 | $1.1M | 0.40% |
| 41 | VANGUARD INDEX FDS | 922908736 | 2,177 | $1.0M | 0.39% |
| 42 | FIRST TR EXCHANGE-TRADED FD | 33738D101 | 26,983 | $1.0M | 0.38% |
| 43 | ALPHABET INC | GOOG | 4,156 | $1.0M | 0.38% |
| 44 | ALPS ETF TR | 00162Q452 | 20,569 | $965,304 | 0.36% |
| 45 | GOLDMAN SACHS ETF TR | NVGLF | 18,060 | $943,274 | 0.35% |
| 46 | VANGUARD INDEX FDS | 922908595 | 3,145 | $937,379 | 0.35% |
| 47 | ISHARES TR | 464287440 | 9,671 | $932,865 | 0.35% |
| 48 | SCHWAB STRATEGIC TR | 808524797 | 33,435 | $912,775 | 0.34% |
| 49 | J P MORGAN EXCHANGE TRADED F | 46641Q332 | 15,788 | $901,514 | 0.34% |
| 50 | NEWMONT CORP | NEMCL | 10,508 | $885,971 | 0.33% |
| 51 | J P MORGAN EXCHANGE TRADED F | 46654Q203 | 14,222 | $818,050 | 0.30% |
| 52 | NVIDIA CORPORATION | NVDA | 4,327 | $807,376 | 0.30% |
| 53 | DIMENSIONAL ETF TRUST | 25434V807 | 17,194 | $792,988 | 0.29% |
| 54 | ALPHABET INC | GOOG | 3,255 | $792,756 | 0.29% |
| 55 | VANECK ETF TRUST | 92189F429 | 42,873 | $761,854 | 0.28% |
| 56 | SELECT SECTOR SPDR TR | 81369Y803 | 2,596 | $731,784 | 0.27% |
| 57 | DIMENSIONAL ETF TRUST | 25434V740 | 20,419 | $651,162 | 0.24% |
| 58 | VANGUARD SCOTTSDALE FDS | 92206C813 | 8,342 | $647,757 | 0.24% |
| 59 | CARRIER GLOBAL CORPORATION | CARR | 10,442 | $623,372 | 0.23% |
| 60 | ORACLE CORP | ORCL-PD | 2,210 | $621,541 | 0.23% |
| 61 | TIDAL TRUST I | 886364231 | 23,851 | $596,037 | 0.22% |
| 62 | GLOBAL X FDS | 37954Y293 | 9,371 | $587,656 | 0.22% |
| 63 | BERKSHIRE HATHAWAY INC DEL | BRK-A | 1,136 | $571,113 | 0.21% |
| 64 | CHEVRON CORP NEW | CVX | 3,672 | $570,277 | 0.21% |
| 65 | DIMENSIONAL ETF TRUST | 25434V815 | 16,358 | $520,839 | 0.19% |
| 66 | J P MORGAN EXCHANGE TRADED F | 46641Q647 | 10,016 | $505,508 | 0.19% |
| 67 | VANGUARD INDEX FDS | 922908744 | 2,686 | $503,503 | 0.19% |
| 68 | AMAZON COM INC | AMZN | 2,132 | $468,124 | 0.17% |
| 69 | EXXON MOBIL CORP | XOM | 3,992 | $450,048 | 0.17% |
| 70 | ANNALY CAPITAL MANAGEMENT IN | NLY-PJ | 21,279 | $444,944 | 0.17% |
| 71 | VANGUARD MUN BD FDS | 922907746 | 8,764 | $438,814 | 0.16% |
| 72 | RIO TINTO PLC | RTNTF | 6,277 | $414,345 | 0.15% |
| 73 | ALTRIA GROUP INC | MO | 5,709 | $383,295 | 0.14% |
| 74 | ISHARES TR | 46434V621 | 5,345 | $363,888 | 0.14% |
| 75 | SPDR S&P 500 ETF TR | SPY | 500 | $333,090 | 0.12% |
| 76 | ISHARES TR | 464287804 | 2,759 | $327,883 | 0.12% |
| 77 | SCHWAB STRATEGIC TR | 808524409 | 11,213 | $326,411 | 0.12% |
| 78 | VANGUARD SCOTTSDALE FDS | 92206C730 | 1,064 | $321,701 | 0.12% |
| 79 | INVESCO EXCH TRADED FD TR II | IVZ | 11,967 | $276,319 | 0.10% |
| 80 | VANGUARD INDEX FDS | 922908611 | 1,205 | $252,614 | 0.09% |
| 81 | COSTCO WHSL CORP NEW | 22160K105 | 257 | $237,992 | 0.09% |
| 82 | KKR & CO INC | KKRT | 1,801 | $234,040 | 0.09% |
| 83 | JOHNSON & JOHNSON | JNJ | 1,179 | $218,611 | 0.08% |
| 84 | ISHARES TR | 464287432 | 2,429 | $217,080 | 0.08% |
| 85 | VANGUARD INTL EQUITY INDEX F | 922042742 | 1,575 | $217,035 | 0.08% |
| 86 | VANECK ETF TRUST | 92189F536 | 12,371 | $216,246 | 0.08% |
| 87 | WALMART INC | WMT | 2,083 | $214,674 | 0.08% |
| 88 | ULTIMUS MANAGERS TR | 90386K589 | 7,623 | $203,611 | 0.08% |
| 89 | BROADCOM INC | AVGO | 608 | $200,528 | 0.07% |