# EDGAR Filing Document

**Accession Number:** 0001731358
**File Stem:** 0001062993-26-000800
**Filing Date:** 2026-2
**Character Count:** 16365
**Document Hash:** 041af552bb50080fc9b486f521c31315
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001062993-26-000800.hdr.sgml**: 20260211

**ACCESSION NUMBER**: 0001062993-26-000800

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260211

**DATE AS OF CHANGE**: 20260211

**EFFECTIVENESS DATE**: 20260211

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** All Terrain Financial Advisors, LLC
- **CENTRAL INDEX KEY:** 0001731358

**ORGANIZATION NAME:**
- **EIN:** 474639732
- **STATE OF INCORPORATION:** MN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18618
- **FILM NUMBER:** 26621161

**BUSINESS ADDRESS:**
- **STREET 1:** 551 COON RAPIDS BLVD NW
- **CITY:** COON RAPIDS
- **STATE:** MN
- **ZIP:** 55433
- **BUSINESS PHONE:** 6122163501

**MAIL ADDRESS:**
- **STREET 1:** 551 COON RAPIDS BLVD NW
- **CITY:** COON RAPIDS
- **STATE:** MN
- **ZIP:** 55433

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** All Terrain Financial Advisors LLC<br>**Address:** 551 COON RAPIDS BLVD NW<br>COON RAPIDS, MN 55433

**Form 13F File Number:** 028-18618

**CRD Number (if applicable):** 000286683

**SEC File Number (if applicable):** 801-109958

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:** Joseph L VanDam<br>**Title:** CCO<br>**Phone:** 612-216-3501

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

Joseph L VanDam  Coon Rapids, MN  02-10-2026<br>[Signature]  [City, State]  [Date]

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

[ ] **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).)

[x] **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:** 129

**Form 13F Information Table Value Total:** $432320364

      (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.]

|   No. | Name                     | Form 13F File Number   |   CRD Number | SEC File Number   |
|---:|:---|:---|---:|:---|
|     1 | STEVENS CAPITAL PARTNERS | 028-22881              |    000317517 | 801-122960        |

### 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 |
| 3M CO | COM | 88579Y101 |  | 2107396 | 13163 | SH |  | SOLE |  | 0 | 0 | 13163 |
| ABBOTT LABS | COM | 002824100 |  | 258223 | 2061 | SH |  | SOLE |  | 0 | 0 | 2061 |
| ABBVIE INC | COM | 00287Y109 |  | 2182080 | 9550 | SH |  | SOLE |  | 0 | 0 | 9550 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 971001 | 4534 | SH |  | SOLE |  | 0 | 0 | 4534 |
| ADVANCED MICRO DEVICES INC | COM | 007903957 |  | 792392 | 3700 | SH | Put | SOLE |  | 0 | 0 | 3700 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 3552338 | 11320 | SH |  | SOLE |  | 0 | 0 | 11320 |
| ALPHABET INC | CAP STK CL C | 02079K957 |  | 2290740 | 7300 | SH | Put | SOLE |  | 0 | 0 | 7300 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 927106 | 2962 | SH |  | SOLE |  | 0 | 0 | 2962 |
| AMAZON COM INC | COM | 023135106 |  | 8095319 | 35072 | SH |  | SOLE |  | 0 | 0 | 35072 |
| AMAZON COM INC | COM | 023135956 |  | 1107936 | 4800 | SH | Put | SOLE |  | 0 | 0 | 4800 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 835717 | 2259 | SH |  | SOLE |  | 0 | 0 | 2259 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 305482 | 623 | SH |  | SOLE |  | 0 | 0 | 623 |
| AMGEN INC | COM | 031162100 |  | 2000701 | 6113 | SH |  | SOLE |  | 0 | 0 | 6113 |
| AMGEN INC | COM | 031162950 |  | 229117 | 700 | SH | Put | SOLE |  | 0 | 0 | 700 |
| APPLE INC | COM | 037833100 |  | 17728570 | 65212 | SH |  | SOLE |  | 0 | 0 | 65212 |
| APPLE INC | COM | 037833950 |  | 1033068 | 3800 | SH | Put | SOLE |  | 0 | 0 | 3800 |
| APPLIED MATLS INC | COM | 038222105 |  | 256990 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 419296 | 3200 | SH |  | SOLE |  | 0 | 0 | 3200 |
| AT INC | COM | 00206R102 |  | 1882682 | 75792 | SH |  | SOLE |  | 0 | 0 | 75792 |
| AT INC | COM | 00206R952 |  | 231012 | 9300 | SH | Put | SOLE |  | 0 | 0 | 9300 |
| BANK AMERICA CORP | COM | 060505104 |  | 253000 | 4600 | SH |  | SOLE |  | 0 | 0 | 4600 |
| BERKSHIRE HATHAWAY INC DEL | CL B New | 084670702 |  | 1785413 | 3552 | SH |  | SOLE |  | 0 | 0 | 3552 |
| BLACKSTONE INC | COM | 09260D107 |  | 318326 | 2065 | SH |  | SOLE |  | 0 | 0 | 2065 |
| BOEING CO | COM | 097023105 |  | 325680 | 1500 | SH |  | SOLE |  | 0 | 0 | 1500 |
| BOSTON SCIENTIFIC CORP | COM | 101137107 |  | 228840 | 2400 | SH |  | SOLE |  | 0 | 0 | 2400 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1392828 | 9139 | SH |  | SOLE |  | 0 | 0 | 9139 |
| CISCO SYS INC | COM | 17275R102 |  | 591282 | 7676 | SH |  | SOLE |  | 0 | 0 | 7676 |
| CITIGROUP INC | COM NEW | 172967424 |  | 365006 | 3128 | SH |  | SOLE |  | 0 | 0 | 3128 |
| CLEANCORE SOLUTIONS INC | CLASS B COM SHS | 184492106 |  | 3900 | 15000 | SH |  | SOLE |  | 0 | 0 | 15000 |
| CLOROX CO DEL | COM | 189054109 |  | 1336358 | 13254 | SH |  | SOLE |  | 0 | 0 | 13254 |
| COCA COLA CO | COM | 191216100 |  | 347872 | 4976 | SH |  | SOLE |  | 0 | 0 | 4976 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 3254210 | 41182 | SH |  | SOLE |  | 0 | 0 | 41182 |
| CONAGRA BRANDS INC | COM | 205887102 |  | 3063374 | 176971 | SH |  | SOLE |  | 0 | 0 | 176971 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 1764971 | 30124 | SH |  | SOLE |  | 0 | 0 | 30124 |
| DOMINION ENERGY INC | COM | 25746U959 |  | 210924 | 3600 | SH | Put | SOLE |  | 0 | 0 | 3600 |
| ELI LILLY  CO | COM | 532457108 |  | 322404 | 300 | SH |  | SOLE |  | 0 | 0 | 300 |
| EQUINOX GOLD CORP | COM | 29446Y502 |  | 934867 | 66586 | SH |  | SOLE |  | 0 | 0 | 66586 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 611448 | 5081 | SH |  | SOLE |  | 0 | 0 | 5081 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 755940 | 860 | SH |  | SOLE |  | 0 | 0 | 860 |
| HONEYWELL INTL INC | COM | 438516106 |  | 3521849 | 18052 | SH |  | SOLE |  | 0 | 0 | 18052 |
| INTEL CORP | COM | 458140100 |  | 5534119 | 149976 | SH |  | SOLE |  | 0 | 0 | 149976 |
| INTEL CORP | COM | 458140900 |  | 195570 | 5300 | SH | Call | SOLE |  | 0 | 0 | 5300 |
| INTEL CORP | COM | 458140950 |  | 2324700 | 63000 | SH | Put | SOLE |  | 0 | 0 | 63000 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 1698514 | 2999 | SH |  | SOLE |  | 0 | 0 | 2999 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E952 |  | 453088 | 800 | SH | Put | SOLE |  | 0 | 0 | 800 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 9453052 | 15388 | SH |  | SOLE |  | 0 | 0 | 15388 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E953 |  | 3562998 | 5800 | SH | Put | SOLE |  | 0 | 0 | 5800 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 1612781 | 32483 | SH |  | SOLE |  | 0 | 0 | 32483 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F951 |  | 1539150 | 31000 | SH | Put | SOLE |  | 0 | 0 | 31000 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 421436 | 6542 | SH |  | SOLE |  | 0 | 0 | 6542 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 7268699 | 72774 | SH |  | SOLE |  | 0 | 0 | 72774 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 5364280 | 98049 | SH |  | SOLE |  | 0 | 0 | 98049 |
| ISHARES TR | MSCI EMG MKT ETF | 464287954 |  | 1646771 | 30100 | SH | Put | SOLE |  | 0 | 0 | 30100 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 6587264 | 68596 | SH |  | SOLE |  | 0 | 0 | 68596 |
| ISHARES TR | MSCI EAFE ETF | 464287955 |  | 1805364 | 18800 | SH | Put | SOLE |  | 0 | 0 | 18800 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 395852 | 4086 | SH |  | SOLE |  | 0 | 0 | 4086 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 388896 | 2755 | SH |  | SOLE |  | 0 | 0 | 2755 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 902017 | 7318 | SH |  | SOLE |  | 0 | 0 | 7318 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 304332 | 643 | SH |  | SOLE |  | 0 | 0 | 643 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 32088678 | 130357 | SH |  | SOLE |  | 0 | 0 | 130357 |
| ISHARES TR | RUSSELL 2000 ETF | 464287955 |  | 23163656 | 94100 | SH | Put | SOLE |  | 0 | 0 | 94100 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 3300112 | 39847 | SH |  | SOLE |  | 0 | 0 | 39847 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1838276 | 8883 | SH |  | SOLE |  | 0 | 0 | 8883 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 822813 | 2554 | SH |  | SOLE |  | 0 | 0 | 2554 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 2499965 | 24779 | SH |  | SOLE |  | 0 | 0 | 24779 |
| LAMB WESTON HLDGS INC | COM | 513272104 |  | 469168 | 11200 | SH |  | SOLE |  | 0 | 0 | 11200 |
| LAMB WESTON HLDGS INC | COM | 513272954 |  | 469168 | 11200 | SH | Put | SOLE |  | 0 | 0 | 11200 |
| LOWES COS INC | COM | 548661107 |  | 28870506 | 119715 | SH |  | SOLE |  | 0 | 0 | 119715 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 3711182 | 38634 | SH |  | SOLE |  | 0 | 0 | 38634 |
| MERCADOLIBRE INC | COM | 58733R102 |  | 402852 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1889178 | 2862 | SH |  | SOLE |  | 0 | 0 | 2862 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 1198722 | 4200 | SH |  | SOLE |  | 0 | 0 | 4200 |
| MICROSOFT CORP | COM | 594918104 |  | 8977113 | 18562 | SH |  | SOLE |  | 0 | 0 | 18562 |
| MICROSOFT CORP | COM | 594918954 |  | 1837756 | 3800 | SH | Put | SOLE |  | 0 | 0 | 3800 |
| MONGODB INC | CL A | 60937P106 |  | 209845 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| MP MATERIALS CORP | COM CL A | 553368101 |  | 298068 | 5900 | SH |  | SOLE |  | 0 | 0 | 5900 |
| MP MATERIALS CORP | COM CL A | 553368951 |  | 298068 | 5900 | SH | Put | SOLE |  | 0 | 0 | 5900 |
| NETFLIX INC | COM | 64110L106 |  | 715858 | 7635 | SH |  | SOLE |  | 0 | 0 | 7635 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 7803813 | 41844 | SH |  | SOLE |  | 0 | 0 | 41844 |
| NVIDIA CORPORATION | COM | 67066G954 |  | 2517750 | 13500 | SH | Put | SOLE |  | 0 | 0 | 13500 |
| ORACLE CORP | COM | 68389X105 |  | 760149 | 3900 | SH |  | SOLE |  | 0 | 0 | 3900 |
| ORACLE CORP | COM | 68389X955 |  | 428802 | 2200 | SH | Put | SOLE |  | 0 | 0 | 2200 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 1406536 | 7913 | SH |  | SOLE |  | 0 | 0 | 7913 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A958 |  | 1137600 | 6400 | SH | Put | SOLE |  | 0 | 0 | 6400 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 403334 | 6909 | SH |  | SOLE |  | 0 | 0 | 6909 |
| PAYPAL HLDGS INC | COM | 70450Y953 |  | 344442 | 5900 | SH | Put | SOLE |  | 0 | 0 | 5900 |
| PEPSICO INC | COM | 713448108 |  | 3178057 | 22144 | SH |  | SOLE |  | 0 | 0 | 22144 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1309701 | 9139 | SH |  | SOLE |  | 0 | 0 | 9139 |
| PRUDENTIAL FINL INC | COM | 744320102 |  | 2099192 | 18597 | SH |  | SOLE |  | 0 | 0 | 18597 |
| ROBINHOOD MKTS INC | COM CL A | 770700102 |  | 424125 | 3750 | SH |  | SOLE |  | 0 | 0 | 3750 |
| ROBINHOOD MKTS INC | COM CL A | 770700952 |  | 407160 | 3600 | SH | Put | SOLE |  | 0 | 0 | 3600 |
| RTX CORPORATION | COM | 75513E101 |  | 1109753 | 6051 | SH |  | SOLE |  | 0 | 0 | 6051 |
| RTX CORPORATION | COM | 75513E951 |  | 641900 | 3500 | SH | Put | SOLE |  | 0 | 0 | 3500 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 467048 | 8527 | SH |  | SOLE |  | 0 | 0 | 8527 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 248577 | 1727 | SH |  | SOLE |  | 0 | 0 | 1727 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 335113 | 7850 | SH |  | SOLE |  | 0 | 0 | 7850 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 215221 | 1390 | SH |  | SOLE |  | 0 | 0 | 1390 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 371036 | 2305 | SH |  | SOLE |  | 0 | 0 | 2305 |
| SOUTHERN CO | COM | 842587107 |  | 3525936 | 40435 | SH |  | SOLE |  | 0 | 0 | 40435 |
| SOUTHERN CO | COM | 842587957 |  | 200560 | 2300 | SH | Put | SOLE |  | 0 | 0 | 2300 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 15276579 | 31788 | SH |  | SOLE |  | 0 | 0 | 31788 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X959 |  | 4277073 | 8900 | SH | Put | SOLE |  | 0 | 0 | 8900 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 753385 | 1901 | SH |  | SOLE |  | 0 | 0 | 1901 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 63522030 | 93152 | SH |  | SOLE |  | 0 | 0 | 93152 |
| SPDR S 500 ETF TR | TR UNIT | 78462F903 |  | 136384 | 200 | SH | Call | SOLE |  | 0 | 0 | 200 |
| SPDR S 500 ETF TR | TR UNIT | 78462F953 |  | 48757280 | 71500 | SH | Put | SOLE |  | 0 | 0 | 71500 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 2149513 | 3563 | SH |  | SOLE |  | 0 | 0 | 3563 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A474 |  | 4980465 | 164916 | SH |  | SOLE |  | 0 | 0 | 164916 |
| SSGA ACTIVE ETF TR | STATE STREET DOU | 78467V848 |  | 2170153 | 53917 | SH |  | SOLE |  | 0 | 0 | 53917 |
| STANLEY BLACK  DECKER INC | COM | 854502101 |  | 2250238 | 30294 | SH |  | SOLE |  | 0 | 0 | 30294 |
| STANLEY BLACK  DECKER INC | COM | 854502951 |  | 356544 | 4800 | SH | Put | SOLE |  | 0 | 0 | 4800 |
| TARGET CORP | COM | 87612E106 |  | 202929 | 2076 | SH |  | SOLE |  | 0 | 0 | 2076 |
| TESLA INC | COM | 88160R101 |  | 1894670 | 4213 | SH |  | SOLE |  | 0 | 0 | 4213 |
| TESLA INC | COM | 88160R951 |  | 1753908 | 3900 | SH | Put | SOLE |  | 0 | 0 | 3900 |
| THE TRADE DESK INC | COM CL A | 88339J105 |  | 595972 | 15700 | SH |  | SOLE |  | 0 | 0 | 15700 |
| THE TRADE DESK INC | COM CL A | 88339J955 |  | 595972 | 15700 | SH | Put | SOLE |  | 0 | 0 | 15700 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 433640 | 1495 | SH |  | SOLE |  | 0 | 0 | 1495 |
| UNION PAC CORP | COM | 907818108 |  | 3171397 | 13710 | SH |  | SOLE |  | 0 | 0 | 13710 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 1924659 | 5830 | SH |  | SOLE |  | 0 | 0 | 5830 |
| UNITEDHEALTH GROUP INC | COM | 91324P952 |  | 1848616 | 5600 | SH | Put | SOLE |  | 0 | 0 | 5600 |
| US BANCORP DEL | COM NEW | 902973304 |  | 4414529 | 82731 | SH |  | SOLE |  | 0 | 0 | 82731 |
| VANECK ETF TRUST | IG FLOATING RATE | 92189F486 |  | 4627738 | 181622 | SH |  | SOLE |  | 0 | 0 | 181622 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 |  | 230464 | 2687 | SH |  | SOLE |  | 0 | 0 | 2687 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 931486 | 2778 | SH |  | SOLE |  | 0 | 0 | 2778 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 225391 | 462 | SH |  | SOLE |  | 0 | 0 | 462 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 223078 | 5477 | SH |  | SOLE |  | 0 | 0 | 5477 |
| VISA INC | COM CL A | 92826C839 |  | 204815 | 584 | SH |  | SOLE |  | 0 | 0 | 584 |
| WALMART INC | COM | 931142103 |  | 968292 | 8691 | SH |  | SOLE |  | 0 | 0 | 8691 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 991834 | 10642 | SH |  | SOLE |  | 0 | 0 | 10642 |

---