# EDGAR Filing Document

**Accession Number:** 0001842557
**File Stem:** 0001842557-23-000001
**Filing Date:** 2023-2
**Character Count:** 12004
**Document Hash:** 9a9e7594d53e136c8ea37264ba472977
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001842557-23-000001.hdr.sgml**: 20230223

**ACCESSION NUMBER**: 0001842557-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230223

**DATE AS OF CHANGE**: 20230223

**EFFECTIVENESS DATE**: 20230223

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Tandem Wealth Advisors LLC
- **CENTRAL INDEX KEY:** 0001842557
- **IRS NUMBER:** 364696401
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23142
- **FILM NUMBER:** 23659196

**BUSINESS ADDRESS:**
- **STREET 1:** 1850 N. CENTRAL AVENUE, SUITE 330
- **CITY:** PHOENIX
- **STATE:** AZ
- **ZIP:** 85004
- **BUSINESS PHONE:** 6022978600

**MAIL ADDRESS:**
- **STREET 1:** 1850 N. CENTRAL AVENUE, SUITE 330
- **CITY:** PHOENIX
- **STATE:** AZ
- **ZIP:** 85004

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Tandem Wealth Advisors LLC<br>**Address:** 1850 N. CENTRAL AVENUE SUITE 330<br>PHOENIX, AZ 85004

**Form 13F File Number:** 028-23142

**CRD Number (if applicable):** 000157794

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Colin Denker<br>**Title:** Director of Operations<br>**Phone:** 6022978600

**Signature, Place, and Date of Signing:**

Colin Denker  Bellingham, WA  02-23-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 83

**Form 13F Information Table Value Total:** $157414794

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBOTT LABS COM | Stock | 002824100 |  | 239891 | 2185 | SH |  | SOLE |  | 2185 | 0 | 0 |
| ABRDN BLOOMBERG ALL COMMODITY LONGER DATED STRATEGY K-1 FREE ETF | ETF | 003261203 |  | 59299 | 1714 | SH |  | SOLE |  | 1714 | 0 | 0 |
| ABRDN PHYSICAL GOLD SHARES ETF | ETF | 00326A104 |  | 65254 | 3735 | SH |  | SOLE |  | 3735 | 0 | 0 |
| ABRDN PHYSICAL SILVER SHARES ETF | ETF | 003264108 |  | 23058 | 1003 | SH |  | SOLE |  | 1003 | 0 | 0 |
| ALPHABET INC CAP STK CL A | Stock | 02079K305 |  | 472648 | 5357 | SH |  | SOLE |  | 5357 | 0 | 0 |
| ALPHABET INC CAP STK CL C | Stock | 02079K107 |  | 17746 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| AMAZON.COM INC | Stock | 023135106 |  | 193200 | 2300 | SH |  | SOLE |  | 2300 | 0 | 0 |
| APPLE INC | Stock | 037833100 |  | 826745 | 6363 | SH |  | SOLE |  | 6363 | 0 | 0 |
| AUTOZONE INC NEV | Stock | 053332102 |  | 167700 | 68 | SH |  | SOLE |  | 68 | 0 | 0 |
| BABSON CAPITAL CORPORATE INVESTORS | CEF | 06759X107 |  | 13164 | 943 | SH |  | SOLE |  | 943 | 0 | 0 |
| BANK AMERICA CORP COM | Stock | 060505104 |  | 184876 | 5582 | SH |  | SOLE |  | 5582 | 0 | 0 |
| BLACKSTONE INC COM | Stock | 09260D107 |  | 173901 | 2344 | SH |  | SOLE |  | 2344 | 0 | 0 |
| BROADCOM INC COM | Stock | 11135F101 |  | 414315 | 741 | SH |  | SOLE |  | 741 | 0 | 0 |
| CATERPILLAR INC COM | Stock | 149123101 |  | 219677 | 917 | SH |  | SOLE |  | 917 | 0 | 0 |
| CHUBB LIMITED COM | Stock | H1467J104 |  | 271117 | 1229 | SH |  | SOLE |  | 1229 | 0 | 0 |
| CISCO SYS INC COM | Stock | 17275R102 |  | 365685 | 7676 | SH |  | SOLE |  | 7676 | 0 | 0 |
| COSTCO WHSL CORP NEW COM | Stock | 22160K105 |  | 398981 | 874 | SH |  | SOLE |  | 874 | 0 | 0 |
| DEERE  CO COM | Stock | 244199105 |  | 274406 | 640 | SH |  | SOLE |  | 640 | 0 | 0 |
| DIREXION DAILY SEMICONDUCTOR BULL 3X SHARES | ETF | 25459W458 |  | 184 | 19 | SH |  | SOLE |  | 19 | 0 | 0 |
| EMERSON ELEC CO COM | Stock | 291011104 |  | 283569 | 2952 | SH |  | SOLE |  | 2952 | 0 | 0 |
| ENERGY SELECT SECTOR SPDR | ETF | 81369Y506 |  | 773159 | 8839 | SH |  | SOLE |  | 8839 | 0 | 0 |
| ERIE INDTY CO CL A | Stock | 29530P102 |  | 10695 | 43 | SH |  | SOLE |  | 43 | 0 | 0 |
| FINANCIAL SELECT SECTOR SPDR | ETF | 81369Y605 |  | 30458 | 891 | SH |  | SOLE |  | 891 | 0 | 0 |
| FIRST TRUST VALUE LINE DIVIDEND INDEX FUND | ETF | 33734H106 |  | 36076 | 904 | SH |  | SOLE |  | 904 | 0 | 0 |
| GOPRO INC CL A | Stock | 38268T103 |  | 125 | 25 | SH |  | SOLE |  | 25 | 0 | 0 |
| GUGGENHEIM ETF TRUST S 500 EQUAL WEIGHT | ETF | 46137V357 |  | 1100288 | 7790 | SH |  | SOLE |  | 7790 | 0 | 0 |
| HEALTH CARE SELECT SECTOR SPDR | ETF | 81369Y209 |  | 7316223 | 53855 | SH |  | SOLE |  | 53855 | 0 | 0 |
| HERSHEY CO COM | Stock | 427866108 |  | 227170 | 981 | SH |  | SOLE |  | 981 | 0 | 0 |
| HOME DEPOT | Stock | 437076102 |  | 208468 | 660 | SH |  | SOLE |  | 660 | 0 | 0 |
| HONEYWELL INTL INC COM | Stock | 438516106 |  | 365382 | 1705 | SH |  | SOLE |  | 1705 | 0 | 0 |
| INTERCONTINENTAL EXCHANGE INC COM | Stock | 45866F104 |  | 259758 | 2532 | SH |  | SOLE |  | 2532 | 0 | 0 |
| INTUIT COM | Stock | 461202103 |  | 186436 | 479 | SH |  | SOLE |  | 479 | 0 | 0 |
| INVESCO ACTIVE U.S. REAL ESTATE FUND | ETF | 46090A101 |  | 15354 | 176 | SH |  | SOLE |  | 176 | 0 | 0 |
| IQ GLOBAL RESOURCES ETF | ETF | 45409B883 |  | 45182 | 1323 | SH |  | SOLE |  | 1323 | 0 | 0 |
| ISHARES 0-5 YEAR TIPS BOND ETF | ETF | 46429B747 |  | 82230 | 848 | SH |  | SOLE |  | 848 | 0 | 0 |
| ISHARES AGGREGATE BOND ETF | ETF | 464287226 |  | 30226851 | 311649 | SH |  | SOLE |  | 311649 | 0 | 0 |
| ISHARES CORE DIVIDEND GROWTH ETF | ETF | 46434V621 |  | 36811 | 736 | SH |  | SOLE |  | 736 | 0 | 0 |
| ISHARES MBS ETF | ETF | 464288588 |  | 11661627 | 125732 | SH |  | SOLE |  | 125732 | 0 | 0 |
| ISHARES MSCI EAFE ETF | ETF | 464287465 |  | 16801687 | 255967 | SH |  | SOLE |  | 255967 | 0 | 0 |
| ISHARES MSCI EMERGING MARKETS ETF | ETF | 464287234 |  | 4956696 | 130784 | SH |  | SOLE |  | 130784 | 0 | 0 |
| ISHARES RUSSELL 2000 ETF | ETF | 464287655 |  | 29161 | 167 | SH |  | SOLE |  | 167 | 0 | 0 |
| ISHARES RUSSELL MID-CAP GROWTH ETF | ETF | 464287481 |  | 5921 | 71 | SH |  | SOLE |  | 71 | 0 | 0 |
| ISHARES S 500 GROWTH ETF | ETF | 464287309 |  | 271967 | 4649 | SH |  | SOLE |  | 4649 | 0 | 0 |
| ISHARES S SMALLCAP 600 ETF | ETF | 464287804 |  | 3009827 | 31803 | SH |  | SOLE |  | 31803 | 0 | 0 |
| ISHARES S SMALL-CAP 600 GROWTH ETF | ETF | 464287887 |  | 5895 | 55 | SH |  | SOLE |  | 55 | 0 | 0 |
| ISHARES U.S. CONSUMER STAPLES ETF | ETF | 464287812 |  | 37920 | 187 | SH |  | SOLE |  | 187 | 0 | 0 |
| JOHNSON  JOHNSON COM | Stock | 478160104 |  | 630287 | 3568 | SH |  | SOLE |  | 3568 | 0 | 0 |
| JPMORGAN CHASE  CO | Stock | 46625H100 |  | 214694 | 1601 | SH |  | SOLE |  | 1601 | 0 | 0 |
| LILLY ELI  CO COM | Stock | 532457108 |  | 447422 | 1223 | SH |  | SOLE |  | 1223 | 0 | 0 |
| LINDE PLC SHS | Stock | G5494J103 |  | 312154 | 957 | SH |  | SOLE |  | 957 | 0 | 0 |
| MICROSOFT | Stock | 594918104 |  | 628568 | 2621 | SH |  | SOLE |  | 2621 | 0 | 0 |
| NEXTERA ENERGY INC COM | Stock | 65339F101 |  | 316175 | 3782 | SH |  | SOLE |  | 3782 | 0 | 0 |
| NIKE INC CL B | Stock | 654106103 |  | 7372 | 63 | SH |  | SOLE |  | 63 | 0 | 0 |
| NVIDIA CORPORATION COM | Stock | 67066G104 |  | 216433 | 1481 | SH |  | SOLE |  | 1481 | 0 | 0 |
| PACER US CASH COWS 100 ETF | ETF | 69374H881 |  | 13045 | 282 | SH |  | SOLE |  | 282 | 0 | 0 |
| POWERSHARES QQQ TR | ETF | 46090E103 |  | 8306413 | 31194 | SH |  | SOLE |  | 31194 | 0 | 0 |
| PROCTER AND GAMBLE CO COM | Stock | 742718109 |  | 381628 | 2518 | SH |  | SOLE |  | 2518 | 0 | 0 |
| PROLOGIS INC. COM | REIT | 74340W103 |  | 188259 | 1670 | SH |  | SOLE |  | 1670 | 0 | 0 |
| PROSHARES S 500 DIVIDEND ARISTOCRATS ETF | ETF | 74348A467 |  | 36897 | 410 | SH |  | SOLE |  | 410 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GRP INC COM | Stock | 744573106 |  | 20709 | 338 | SH |  | SOLE |  | 338 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP COM | Stock | 75513E101 |  | 225354 | 2233 | SH |  | SOLE |  | 2233 | 0 | 0 |
| S  P MID CAP 400 DEP RCPTS MID CAP | ETF | 78467Y107 |  | 11311687 | 25546 | SH |  | SOLE |  | 25546 | 0 | 0 |
| SIRIUS XM HOLDINGS INC COM | Stock | 82968B103 |  | 14600 | 2500 | SH |  | SOLE |  | 2500 | 0 | 0 |
| SPDR S 500 ETF | ETF | 78462F103 |  | 8092907 | 21162 | SH |  | SOLE |  | 21162 | 0 | 0 |
| SPDR S DIVIDEND ETF | ETF | 78464A763 |  | 36554 | 292 | SH |  | SOLE |  | 292 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC COM | Stock | 883556102 |  | 409713 | 744 | SH |  | SOLE |  | 744 | 0 | 0 |
| TJX COS INC NEW COM | Stock | 872540109 |  | 231636 | 2910 | SH |  | SOLE |  | 2910 | 0 | 0 |
| TORTOISE NORTH AMERICAN PIPELINE FUND | ETF | 56167N720 |  | 17192 | 696 | SH |  | SOLE |  | 696 | 0 | 0 |
| UNITED PARCEL SERVICE INC CL B | Stock | 911312106 |  | 142201 | 818 | SH |  | SOLE |  | 818 | 0 | 0 |
| UNITEDHEALTH GROUP INC COM | Stock | 91324P102 |  | 379079 | 715 | SH |  | SOLE |  | 715 | 0 | 0 |
| VANECK DURABLE HIGH DIVIDEND ETF | ETF | 92189H102 |  | 37512 | 1177 | SH |  | SOLE |  | 1177 | 0 | 0 |
| VANECK RARE EARTH/STRATEGIC METALS ETF | ETF | 92189H805 |  | 14787 | 194 | SH |  | SOLE |  | 194 | 0 | 0 |
| VANGUARD CONSUMER STAPLES ETF | ETF | 92204A207 |  | 2381451 | 12431 | SH |  | SOLE |  | 12431 | 0 | 0 |
| VANGUARD ENERGY ETF | ETF | 92204A306 |  | 1741375 | 14358 | SH |  | SOLE |  | 14358 | 0 | 0 |
| VANGUARD GROWTH ETF | ETF | 922908736 |  | 32215 | 151 | SH |  | SOLE |  | 151 | 0 | 0 |
| VANGUARD HIGH DIVIDEND YIELD INDEX ETF | ETF | 921946406 |  | 9483341 | 87638 | SH |  | SOLE |  | 87638 | 0 | 0 |
| VANGUARD INFORMATION TECHNOLOGY | ETF | 92204A702 |  | 5295461 | 16579 | SH |  | SOLE |  | 16579 | 0 | 0 |
| VANGUARD SHORT-TERM CORPORATE BOND ETF | ETF | 92206C409 |  | 12403673 | 164964 | SH |  | SOLE |  | 164964 | 0 | 0 |
| VANGUARD TELECOMMUNICATIONS SERVICES ETF | ETF | 92204A884 |  | 1450039 | 17630 | SH |  | SOLE |  | 17630 | 0 | 0 |
| VANGUARD TOTAL BOND MARKET ETF | ETF | 921937835 |  | 2157714 | 30035 | SH |  | SOLE |  | 30035 | 0 | 0 |
| VANGUARD TOTAL STK MKT | ETF | 922908769 |  | 3796842 | 19859 | SH |  | SOLE |  | 19859 | 0 | 0 |
| VANGUARD UTILITIES | ETF | 92204A876 |  | 3366384 | 21951 | SH |  | SOLE |  | 21951 | 0 | 0 |
| VISA INC | Stock | 92826C839 |  | 306238 | 1474 | SH |  | SOLE |  | 1474 | 0 | 0 |

---