Q3 2025 · 13F-HR
Tandem Financial, LLCholdings as filed
Filed 2025-10-31 · accession 0001420506-25-002960
$268.8M
Reported value
89
Positions
2025-09-30
Period end
The Brief · Tandem Financial, LLC · Q3 2025
AI · grounded in 13F
Tandem Financial, LLC established a new position in IVV valued at $53.2M. The fund also initiated new stakes in BIV for $21.4M and GDX for $14.4M. Additional new positions include SPY, FNDE, and QQQ. Total assets under management stand at $268.8M across 88 positions.
Holdings as filed
| CUSIP | Ticker | Issuer | Value | % port. | Shares | Class | Voting |
|---|---|---|---|---|---|---|---|
| 464287200 | IVV | ISHARES TR | $53.2M | 19.8% | 79,529 | Common | SOLE |
| 921937819 | BIV | VANGUARD BD INDEX FDS | $21.4M | 7.96% | 274,110 | Common | SOLE |
| 92189F106 | GDX | VANECK ETF TRUST | $14.4M | 5.36% | 188,762 | Common | SOLE |
| 78462F103 | SPY | SPDR S&P 500 ETF TR | $10.9M | 4.04% | 16,270 | Common | SOLE |
| 808524730 | FNDE | SCHWAB STRATEGIC TR | $10.2M | 3.79% | 281,461 | Common | SOLE |
| 46090E103 | QQQ | INVESCO QQQ TR | $9.8M | 3.65% | 16,329 | Common | SOLE |
| 464288307 | IMCG | ISHARES TR | $7.8M | 2.90% | 94,217 | Common | SOLE |
| 46641Q761 | JQUA | J P MORGAN EXCHANGE TRADED F | $7.4M | 2.74% | 116,943 | Common | SOLE |
| 92206C847 | VGLT | VANGUARD SCOTTSDALE FDS | $7.2M | 2.68% | 126,534 | Common | SOLE |
| 38150K103 | AAAU | GOLDMAN SACHS PHYSICAL GOLD | $6.2M | 2.32% | 163,270 | Common | SOLE |
| 464288109 | ILCV | ISHARES TR | $5.9M | 2.20% | 65,638 | Common | SOLE |
| 92189H748 | CLOI | VANECK ETF TRUST | $5.8M | 2.17% | 109,657 | Common | SOLE |
| 46654Q716 | JBND | J P MORGAN EXCHANGE TRADED F | $5.7M | 2.11% | 104,880 | Common | SOLE |
| 92203J407 | BNDX | VANGUARD CHARLOTTE FDS | $5.0M | 1.86% | 100,946 | Common | SOLE |
| 464287614 | IWF | ISHARES TR | $4.7M | 1.76% | 10,104 | Common | SOLE |
| 74762E102 | QURE | QUANTA SVCS INC | $4.6M | 1.71% | 11,115 | Common | SOLE |
| 46138J742 | IUS | INVESCO EXCH TRD SLF IDX FD | $4.1M | 1.53% | 74,597 | Common | SOLE |
| 464287598 | IWD | ISHARES TR | $4.1M | 1.52% | 20,059 | Common | SOLE |
| 25434V104 | DFAU | DIMENSIONAL ETF TRUST | $3.7M | 1.37% | 80,439 | Common | SOLE |
| 78464A599 | XSW | SPDR SERIES TRUST | $3.6M | 1.35% | 18,297 | Common | SOLE |
| 78463V107 | GLD | SPDR GOLD TR | $3.5M | 1.29% | 9,781 | Common | SOLE |
| 464287655 | IWM | ISHARES TR | $3.4M | 1.27% | 14,142 | Common | SOLE |
| 922042858 | VWO | VANGUARD INTL EQUITY INDEX F | $3.3M | 1.24% | 61,536 | Common | SOLE |
| 553368101 | MP | MP MATERIALS CORP | $2.9M | 1.08% | 43,338 | Common | SOLE |
| 33739Q705 | KNG | FIRST TR EXCHANGE-TRADED FD | $2.9M | 1.08% | 58,838 | Common | SOLE |
| 464288760 | ITA | ISHARES TR | $2.8M | 1.03% | 13,287 | Common | SOLE |
| 921943858 | VEA | VANGUARD TAX-MANAGED FDS | $2.7M | 0.99% | 44,312 | Common | SOLE |
| 594918104 | MSFT | MICROSOFT CORP | $2.6M | 0.97% | 5,016 | Common | SOLE |
| 25434V708 | DFAC | DIMENSIONAL ETF TRUST | $2.5M | 0.92% | 63,795 | Common | SOLE |
| 25434V799 | DFIC | DIMENSIONAL ETF TRUST | $2.3M | 0.86% | 70,458 | Common | SOLE |
| 718172109 | PM | PHILIP MORRIS INTL INC | $2.3M | 0.86% | 14,238 | Common | NONE |
| 29287L700 | FLXR | TCW ETF TRUST | $2.3M | 0.85% | 57,548 | Common | SOLE |
| 85208P303 | URNM | SPROTT FDS TR | $2.3M | 0.85% | 37,670 | Common | SOLE |
| 037833100 | AAPL | APPLE INC | $2.3M | 0.84% | 8,912 | Common | SOLE |
| 25434V302 | DFAE | DIMENSIONAL ETF TRUST | $1.8M | 0.69% | 58,485 | Common | SOLE |
| 670928100 | NUV | NUVEEN MUN VALUE FD INC | $1.2M | 0.46% | 137,065 | Common | SOLE |
| 38149W630 | GPIQ | GOLDMAN SACHS ETF TR | $1.2M | 0.46% | 23,431 | Common | SOLE |
| 25434V831 | DUHP | DIMENSIONAL ETF TRUST | $1.2M | 0.44% | 31,614 | Common | SOLE |
| 25434V583 | DFGP | DIMENSIONAL ETF TRUST | $1.1M | 0.41% | 20,009 | Common | SOLE |
| 78464A649 | SPAB | SPDR SERIES TRUST | $1.1M | 0.40% | 41,431 | Common | SOLE |
| 922908736 | VUG | VANGUARD INDEX FDS | $1.0M | 0.39% | 2,177 | Common | SOLE |
| 33738D101 | EMLP | FIRST TR EXCHANGE-TRADED FD | $1.0M | 0.38% | 26,983 | Common | SOLE |
| 02079K305 | GOOGL | ALPHABET INC | $1.0M | 0.38% | 4,156 | Common | SOLE |
| 00162Q452 | AMLP | ALPS ETF TR | $965,304 | 0.36% | 20,569 | Common | SOLE |
| 38149W622 | GPIX | GOLDMAN SACHS ETF TR | $943,274 | 0.35% | 18,060 | Common | SOLE |
| 922908595 | VBK | VANGUARD INDEX FDS | $937,379 | 0.35% | 3,145 | Common | SOLE |
| 464287440 | IEF | ISHARES TR | $932,865 | 0.35% | 9,671 | Common | SOLE |
| 808524797 | SCHD | SCHWAB STRATEGIC TR | $912,775 | 0.34% | 33,435 | Common | SOLE |
| 46641Q332 | JEPI | J P MORGAN EXCHANGE TRADED F | $901,514 | 0.34% | 15,788 | Common | SOLE |
| 651639106 | NEM | NEWMONT CORP | $885,971 | 0.33% | 10,508 | Common | SOLE |
| 46654Q203 | JEPQ | J P MORGAN EXCHANGE TRADED F | $818,050 | 0.30% | 14,222 | Common | SOLE |
| 67066G104 | NVDA | NVIDIA CORPORATION | $807,376 | 0.30% | 4,327 | Common | SOLE |
| 25434V807 | DFIV | DIMENSIONAL ETF TRUST | $792,988 | 0.29% | 17,194 | Common | SOLE |
| 02079K107 | GOOG | ALPHABET INC | $792,756 | 0.29% | 3,255 | Common | SOLE |
| 92189F429 | PFXF | VANECK ETF TRUST | $761,854 | 0.28% | 42,873 | Common | SOLE |
| 81369Y803 | XLK | SELECT SECTOR SPDR TR | $731,784 | 0.27% | 2,596 | Common | SOLE |
| 25434V740 | DFEV | DIMENSIONAL ETF TRUST | $651,162 | 0.24% | 20,419 | Common | SOLE |
| 92206C813 | VCLT | VANGUARD SCOTTSDALE FDS | $647,757 | 0.24% | 8,342 | Common | SOLE |
| 14448C104 | CARR | CARRIER GLOBAL CORPORATION | $623,372 | 0.23% | 10,442 | Common | SOLE |
| 68389X105 | ORCL | ORACLE CORP | $621,541 | 0.23% | 2,210 | Common | SOLE |
| 886364231 | GRNY | TIDAL TRUST I | $596,037 | 0.22% | 23,851 | Common | SOLE |
| 37954Y293 | MLPX | GLOBAL X FDS | $587,656 | 0.22% | 9,371 | Common | SOLE |
| 084670702 | BRK/B | BERKSHIRE HATHAWAY INC DEL | $571,113 | 0.21% | 1,136 | Common | SOLE |
| 166764100 | CVX | CHEVRON CORP NEW | $570,277 | 0.21% | 3,672 | Common | SOLE |
| 25434V815 | DFSV | DIMENSIONAL ETF TRUST | $520,839 | 0.19% | 16,358 | Common | SOLE |
| 46641Q647 | JMUB | J P MORGAN EXCHANGE TRADED F | $505,508 | 0.19% | 10,016 | Common | SOLE |
| 922908744 | VTV | VANGUARD INDEX FDS | $503,503 | 0.19% | 2,686 | Common | SOLE |
| 023135106 | AMZN | AMAZON COM INC | $468,124 | 0.17% | 2,132 | Common | SOLE |
| 30231G102 | XOM | EXXON MOBIL CORP | $450,048 | 0.17% | 3,992 | Common | SOLE |
| 035710839 | NLY | ANNALY CAPITAL MANAGEMENT IN | $444,944 | 0.17% | 21,279 | Common | SOLE |
| 922907746 | VTEB | VANGUARD MUN BD FDS | $438,814 | 0.16% | 8,764 | Common | SOLE |
| 767204100 | RIO | RIO TINTO PLC | $414,345 | 0.15% | 6,277 | Common | SOLE |
| 02209S103 | MO | ALTRIA GROUP INC | $383,295 | 0.14% | 5,709 | Common | NONE |
| 46434V621 | DGRO | ISHARES TR | $363,888 | 0.14% | 5,345 | Common | NONE |
| 78462F103 | SPY | SPDR S&P 500 ETF TR | $333,090 | 0.12% | 500 | PUT | NONE |
| 464287804 | IJR | ISHARES TR | $327,883 | 0.12% | 2,759 | Common | SOLE |
| 808524409 | SCHV | SCHWAB STRATEGIC TR | $326,411 | 0.12% | 11,213 | Common | SOLE |
| 92206C730 | VONE | VANGUARD SCOTTSDALE FDS | $321,701 | 0.12% | 1,064 | Common | SOLE |
| 46138E537 | PZA | INVESCO EXCH TRADED FD TR II | $276,319 | 0.10% | 11,967 | Common | SOLE |
| 922908611 | VBR | VANGUARD INDEX FDS | $252,614 | 0.09% | 1,205 | Common | SOLE |
| 22160K105 | COST | COSTCO WHSL CORP NEW | $237,992 | 0.09% | 257 | Common | SOLE |
| 48251W104 | KKR | KKR & CO INC | $234,040 | 0.09% | 1,801 | Common | SOLE |
| 478160104 | JNJ | JOHNSON & JOHNSON | $218,611 | 0.08% | 1,179 | Common | SOLE |
| 464287432 | TLT | ISHARES TR | $217,080 | 0.08% | 2,429 | Common | SOLE |
| 922042742 | VT | VANGUARD INTL EQUITY INDEX F | $217,035 | 0.08% | 1,575 | Common | NONE |
| 92189F536 | MLN | VANECK ETF TRUST | $216,246 | 0.08% | 12,371 | Common | SOLE |
| 931142103 | WMT | WALMART INC | $214,674 | 0.08% | 2,083 | Common | SOLE |
| 90386K589 | MDST | ULTIMUS MANAGERS TR | $203,611 | 0.08% | 7,623 | Common | SOLE |
| 11135F101 | AVGO | BROADCOM INC | $200,528 | 0.07% | 608 | Common | NONE |
Source: SEC EDGAR · raw 13F holdings as filed. The Class column shows the option type when reported (Put/Call) or Common when the issuer's equity is held directly. 13F discloses long positions only.