# EDGAR Filing Document

**Accession Number:** 0002049157
**File Stem:** 0001420506-25-001987
**Filing Date:** 2025-8
**Character Count:** 10556
**Document Hash:** 1fd4ca2fc3454f016475016d729a7089
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001420506-25-001987.hdr.sgml**: 20250814

**ACCESSION NUMBER**: 0001420506-25-001987

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250814

**DATE AS OF CHANGE**: 20250813

**EFFECTIVENESS DATE**: 20250814

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Tandem Financial, LLC
- **CENTRAL INDEX KEY:** 0002049157

**ORGANIZATION NAME:**
- **EIN:** 824386489
- **STATE OF INCORPORATION:** CO
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24630
- **FILM NUMBER:** 251213561

**BUSINESS ADDRESS:**
- **STREET 1:** 8400 E PRENTICE AVENUE
- **STREET 2:** SUITE 1360
- **CITY:** GREENWOOD VILLAGE
- **STATE:** CO
- **ZIP:** 80111
- **BUSINESS PHONE:** 7208455700

**MAIL ADDRESS:**
- **STREET 1:** 8400 E PRENTICE AVENUE
- **STREET 2:** SUITE 1360
- **CITY:** GREENWOOD VILLAGE
- **STATE:** CO
- **ZIP:** 80111

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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 Financial LLC<br>**Address:** 8400 E PRENTICE AVENUE<br>SUITE 1360<br>GREENWOOD VILLAGE, CO 80111

**Form 13F File Number:** 028-24630

**CRD Number (if applicable):** 000292565

**SEC File Number (if applicable):** 801-122130

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:** Tammi Ellis<br>**Title:** Compliance Consultant<br>**Phone:** 7204145177

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

Tammi Ellis Compliance Consultant  Broomfield, CO  08-13-2025<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:** 50

**Form 13F Information Table Value Total:** $107206668

      (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 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 704039 | 3995 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 3855 | 0 | 140 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 561795 | 3167 | SH |  | SOLE | Tandem Financial LLC | 3000 | 0 | 167 |
| ALPS ETF TR | ALERIAN MLP | 00162Q452 |  | 974904 | 19953 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 19743 | 0 | 210 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 350460 | 5809 | SH |  | SOLE | Tandem Financial LLC | 582 | 0 | 5227 |
| AMAZON COM INC | COM | 023135106 |  | 406311 | 1852 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 1703 | 0 | 149 |
| ANNALY CAPITAL MANAGEMENT IN | COM NEW | 035710839 |  | 478514 | 24514 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 24514 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 1718966 | 8378 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 5834 | 0 | 2544 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 231227 | 476 | SH |  | SOLE | Tandem Financial LLC | 468 | 0 | 8 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 850873 | 11626 | SH |  | SOLE | Tandem Financial LLC | 10679 | 0 | 947 |
| CHEVRON CORP NEW | COM | 166764100 |  | 202360 | 1413 | SH |  | SOLE | Tandem Financial LLC | 916 | 0 | 497 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 215915 | 218 | SH |  | SOLE | Tandem Financial LLC | 147 | 0 | 71 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 428360 | 3974 | SH |  | SOLE | Tandem Financial LLC | 3959 | 0 | 15 |
| FIRST TR EXCHANGE-TRADED FD | FT VEST S 500 | 33739Q705 |  | 3792386 | 77238 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 53797 | 0 | 23441 |
| FIRST TR EXCHANGE-TRADED FD | NO AMER ENERGY | 33738D101 |  | 1014008 | 27033 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 26278 | 0 | 755 |
| GLOBAL X FDS | GLB X MLP ENRG I | 37954Y293 |  | 467319 | 7458 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 5897 | 0 | 1561 |
| GOLDMAN SACHS ETF TR | NASDAQ-100 PREMI | 38149W630 |  | 294527 | 5913 | SH |  | SOLE | Tandem Financial LLC | 3685 | 0 | 2228 |
| INVESCO EXCH TRD SLF IDX FD | RAFI STRATGIC US | 46138J742 |  | 3408322 | 66181 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 55575 | 0 | 10606 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 496476 | 900 | PRN | Put | SOLE | Tandem Financial LLC | 0 | 0 | 900 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 5915241 | 10712 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 8112 | 0 | 2600 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 226273 | 2564 | SH |  | SOLE | Tandem Financial LLC | 2554 | 0 | 10 |
| ISHARES TR | CORE S ETF | 464287200 |  | 262020 | 422 | SH |  | SOLE | Tandem Financial LLC | 415 | 0 | 7 |
| ISHARES TR | MRGSTR MD CP GRW | 464288307 |  | 7154002 | 89169 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 70141 | 0 | 19028 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 4352569 | 10251 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 6735 | 0 | 3516 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 3972640 | 20453 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 13232 | 0 | 7221 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 2691413 | 12472 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 10223 | 0 | 2249 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 2554182 | 13540 | SH |  | SOLE | Tandem Financial LLC | 12790 | 0 | 750 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 1042824 | 18343 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 17867 | 0 | 476 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 |  | 886938 | 16304 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 16104 | 0 | 200 |
| MICROSOFT CORP | COM | 594918104 |  | 2392853 | 4811 | SH |  | SOLE | Tandem Financial LLC | 4559 | 0 | 252 |
| MP MATERIALS CORP | COM CL A | 553368101 |  | 1460520 | 43899 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 41874 | 0 | 2025 |
| NEWMONT CORP | COM | 651639106 |  | 592155 | 10164 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 10164 | 0 | 0 |
| NUVEEN MUN VALUE FD INC | COM | 670928100 |  | 1151900 | 132065 | SH |  | SOLE | Tandem Financial LLC | 104472 | 0 | 27593 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 678295 | 4293 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 4003 | 0 | 290 |
| ORACLE CORP | COM | 68389X105 |  | 533239 | 2439 | SH |  | SOLE | Tandem Financial LLC | 2439 | 0 | 0 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 2887609 | 15738 | SH |  | SOLE | Tandem Financial LLC | 645 | 0 | 15093 |
| QUANTA SVCS INC | COM | 74762E102 |  | 4248907 | 11238 | SH |  | SOLE | Tandem Financial LLC | 10528 | 0 | 710 |
| RIO TINTO PLC | SPONSORED ADR | 767204100 |  | 384512 | 6592 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 6592 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL EMER | 808524730 |  | 8443925 | 255799 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 223581 | 0 | 32218 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 2807485 | 9210 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 7382 | 3 | 1825 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 247140 | 400 | PRN | Put | SOLE | Tandem Financial LLC | 0 | 0 | 400 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 9262884 | 14950 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 13018 | 3 | 1929 |
| SPDR SERIES TRUST | COMP SOFTWARE | 78464A599 |  | 3390594 | 17862 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 14860 | 0 | 3002 |
| SPROTT FDS TR | URANIUM MINERS E | 85208P303 |  | 1772045 | 36972 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 31311 | 0 | 5661 |
| TCW ETF TRUST | FLEXIBLE INCOME | 29287L700 |  | 2048797 | 51934 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 49802 | 0 | 2132 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 |  | 9445204 | 181429 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 156492 | 20 | 24917 |
| VANECK ETF TRUST | PREFERRED SECURT | 92189F429 |  | 741690 | 43323 | SH |  | SOLE | Tandem Financial LLC | 43323 | 0 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 1184611 | 4271 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 2586 | 0 | 1685 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 202419 | 1575 | SH |  | SOLE | Tandem Financial LLC | 204 | 0 | 1371 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 7471344 | 133132 | SH |  | SOLE | Tandem Financial LLCTandem Financial LLC. | 114610 | 0 | 18522 |
| WALMART INC | COM | 931142103 |  | 203676 | 2083 | SH |  | SOLE | Tandem Financial LLC | 1642 | 0 | 441 |

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