Filed: 10/31/2025ACC: 0001420506-25-002960
📋 What this filing means
TANDEM FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 89 equity positions with a total reported market value of $268.84M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
89
Positions
$268.84M
Total AUM (reported)
3.22M
Total Shares
Allocation by class
CORE S&P500 ETF$53.23M19.8%
INTERMED TERM$21.41M8.0%
COM$18.93M7.0%
GOLD MINERS ETF$14.42M5.4%
TR UNIT$11.20M4.2%
FUNDAMENTAL EMER$10.18M3.8%
UNIT SER 1$9.81M3.6%
Portfolio Concentration
Top 3$89.06M33.1%
4–10$59.43M22.1%
11–25$63.29M23.5%
Rest$57.07M21.2%
Top 3 weight
33.1%
Top 10 weight
55.2%
Voting Authority Distribution
Total shares with voting rights: 3.22M
Sole
Full voting authority
2.93M
shares
% of voting shares91.2%
Shared
Joint voting authority
59.00
shares
% of voting shares0.0%
None
No voting authority
282.88K
shares
% of voting shares8.8%
Investment Discretion (by position count)
Sole89
Shared0
Other0
Dominant voting typeSole · 91.2% of voting shares
Institutional Holdings89
Rows:
ISHARES TR
SOLEShares79.53K
TypeSH
Market value$53.23M
19.80%
Sole
77.69K
Shared
2.00
None
1.84K
VANGUARD BD INDEX FDS
SOLEShares274.11K
TypeSH
Market value$21.41M
7.96%
Sole
274.11K
Shared
0.00
None
0.00
VANECK ETF TRUST
SOLEShares188.76K
TypeSH
Market value$14.42M
5.36%
Sole
163.09K
Shared
20.00
None
25.65K
SPDR S&P 500 ETF TR
SOLEShares16.27K
TypeSH
Market value$10.87M
4.04%
Sole
14.06K
Shared
3.00
None
2.21K
SCHWAB STRATEGIC TR
SOLEShares281.46K
TypeSH
Market value$10.18M
3.79%
Sole
237.40K
Shared
0.00
None
44.06K
INVESCO QQQ TR
SOLEShares16.33K
TypeSH
Market value$9.81M
3.65%
Sole
12.24K
Shared
0.00
None
4.09K
ISHARES TR
SOLEShares94.22K
TypeSH
Market value$7.79M
2.90%
Sole
74.43K
Shared
9.00
None
19.78K
J P MORGAN EXCHANGE TRADED F
SOLEShares116.94K
TypeSH
Market value$7.36M
2.74%
Sole
116.94K
Shared
0.00
None
0.00
VANGUARD SCOTTSDALE FDS
SOLEShares126.53K
TypeSH
Market value$7.19M
2.68%
Sole
108.55K
Shared
0.00
None
17.98K
GOLDMAN SACHS PHYSICAL GOLD
SOLEShares163.27K
TypeSH
Market value$6.22M
2.32%
Sole
162.80K
Shared
0.00
None
473.00
ISHARES TR
SOLEShares65.64K
TypeSH
Market value$5.91M
2.20%
Sole
65.64K
Shared
0.00
None
0.00
VANECK ETF TRUST
SOLEShares109.66K
TypeSH
Market value$5.82M
2.17%
Sole
106.17K
Shared
0.00
None
3.49K
J P MORGAN EXCHANGE TRADED F
SOLEShares104.88K
TypeSH
Market value$5.68M
2.11%
Sole
102.88K
Shared
0.00
None
2K
VANGUARD CHARLOTTE FDS
SOLEShares100.95K
TypeSH
Market value$4.99M
1.86%
Sole
100.95K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares10.10K
TypeSH
Market value$4.73M
1.76%
Sole
6.05K
Shared
0.00
None
4.05K
QUANTA SVCS INC
SOLEShares11.12K
TypeSH
Market value$4.61M
1.71%
Sole
10.40K
Shared
0.00
None
710.00
INVESCO EXCH TRD SLF IDX FD
SOLEShares74.60K
TypeSH
Market value$4.12M
1.53%
Sole
63.09K
Shared
0.00
None
11.51K
ISHARES TR
SOLEShares20.06K
TypeSH
Market value$4.08M
1.52%
Sole
11.30K
Shared
0.00
None
8.76K
DIMENSIONAL ETF TRUST
SOLEShares80.44K
TypeSH
Market value$3.68M
1.37%
Sole
80.44K
Shared
0.00
None
0.00
SPDR SERIES TRUST
SOLEShares18.30K
TypeSH
Market value$3.62M
1.35%
Sole
15.20K
Shared
0.00
None
3.10K
SPDR GOLD TR
SOLEShares9.78K
TypeSH
Market value$3.48M
1.29%
Sole
7.83K
Shared
3.00
None
1.95K
ISHARES TR
SOLEShares14.14K
TypeSH
Market value$3.42M
1.27%
Sole
11.51K
Shared
4.00
None
2.63K
VANGUARD INTL EQUITY INDEX F
SOLEShares61.54K
TypeSH
Market value$3.33M
1.24%
Sole
59.72K
Shared
0.00
None
1.82K
MP MATERIALS CORP
SOLEShares43.34K
TypeSH
Market value$2.91M
1.08%
Sole
41.31K
Shared
0.00
None
2.02K
FIRST TR EXCHANGE-TRADED FD
SOLEShares58.84K
TypeSH
Market value$2.90M
1.08%
Sole
40.87K
Shared
0.00
None
17.97K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
ISHARES TRSOLE | CORE S&P500 ETF | 79.53K | SH | $53.23M 19.80% | 77.69K | 2.00 | 1.84K |
VANGUARD BD INDEX FDSSOLE | INTERMED TERM | 274.11K | SH | $21.41M 7.96% | 274.11K | 0.00 | 0.00 |
VANECK ETF TRUSTSOLE | GOLD MINERS ETF | 188.76K | SH | $14.42M 5.36% | 163.09K | 20.00 | 25.65K |
SPDR S&P 500 ETF TRSOLE | TR UNIT | 16.27K | SH | $10.87M 4.04% | 14.06K | 3.00 | 2.21K |
SCHWAB STRATEGIC TRSOLE | FUNDAMENTAL EMER | 281.46K | SH | $10.18M 3.79% | 237.40K | 0.00 | 44.06K |
INVESCO QQQ TRSOLE | UNIT SER 1 | 16.33K | SH | $9.81M 3.65% | 12.24K | 0.00 | 4.09K |
ISHARES TRSOLE | MRGSTR MD CP GRW | 94.22K | SH | $7.79M 2.90% | 74.43K | 9.00 | 19.78K |
J P MORGAN EXCHANGE TRADED FSOLE | US QUALTY FCTR | 116.94K | SH | $7.36M 2.74% | 116.94K | 0.00 | 0.00 |
VANGUARD SCOTTSDALE FDSSOLE | LONG TERM TREAS | 126.53K | SH | $7.19M 2.68% | 108.55K | 0.00 | 17.98K |
GOLDMAN SACHS PHYSICAL GOLDSOLE | UNIT | 163.27K | SH | $6.22M 2.32% | 162.80K | 0.00 | 473.00 |
ISHARES TRSOLE | MORNINGSTAR VALU | 65.64K | SH | $5.91M 2.20% | 65.64K | 0.00 | 0.00 |
VANECK ETF TRUSTSOLE | CLO ETF | 109.66K | SH | $5.82M 2.17% | 106.17K | 0.00 | 3.49K |
J P MORGAN EXCHANGE TRADED FSOLE | ACTIVE BOND ETF | 104.88K | SH | $5.68M 2.11% | 102.88K | 0.00 | 2K |
VANGUARD CHARLOTTE FDSSOLE | TOTAL INT BD ETF | 100.95K | SH | $4.99M 1.86% | 100.95K | 0.00 | 0.00 |
ISHARES TRSOLE | RUS 1000 GRW ETF | 10.10K | SH | $4.73M 1.76% | 6.05K | 0.00 | 4.05K |
QUANTA SVCS INCSOLE | COM | 11.12K | SH | $4.61M 1.71% | 10.40K | 0.00 | 710.00 |
INVESCO EXCH TRD SLF IDX FDSOLE | RAFI STRATGIC US | 74.60K | SH | $4.12M 1.53% | 63.09K | 0.00 | 11.51K |
ISHARES TRSOLE | RUS 1000 VAL ETF | 20.06K | SH | $4.08M 1.52% | 11.30K | 0.00 | 8.76K |
DIMENSIONAL ETF TRUSTSOLE | US CORE EQT MKT | 80.44K | SH | $3.68M 1.37% | 80.44K | 0.00 | 0.00 |
SPDR SERIES TRUSTSOLE | COMP SOFTWARE | 18.30K | SH | $3.62M 1.35% | 15.20K | 0.00 | 3.10K |
SPDR GOLD TRSOLE | GOLD SHS | 9.78K | SH | $3.48M 1.29% | 7.83K | 3.00 | 1.95K |
ISHARES TRSOLE | RUSSELL 2000 ETF | 14.14K | SH | $3.42M 1.27% | 11.51K | 4.00 | 2.63K |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 61.54K | SH | $3.33M 1.24% | 59.72K | 0.00 | 1.82K |
MP MATERIALS CORPSOLE | COM CL A | 43.34K | SH | $2.91M 1.08% | 41.31K | 0.00 | 2.02K |
FIRST TR EXCHANGE-TRADED FDSOLE | FT VEST S&P 500 | 58.84K | SH | $2.90M 1.08% | 40.87K | 0.00 | 17.97K |
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