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Tandem Financial, LLC

8400 E PRENTICE AVENUE SUITE 1360, GREENWOOD VILLAGE, CO 80111 • 7208455700

Q4 2025 · Filed 2026-02-10
Market Value
$82M
-69.2%
Holdings
92
+5
New Purchases
5
Added To
17
Closed
46
Reduced
24
Top 10 Concentration
66.6%
Turnover
55.4%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
VGLT 10.30% 2.68% +7.61% $8M
IWF 9.05% 1.77% +7.29% $7M
KNG 8.09% 1.08% +7.01% $7M
IWD 8.27% 1.52% +6.74% $7M
VBK 4.37% 0.35% +4.02% $4M
GDX 9.18% 5.38% +3.80% $8M
IMCG 5.99% 2.91% +3.08% $5M
PM 2.63% 0.86% +1.77% $2M
AAPL 2.61% 0.85% +1.77% $2M
GLD 3.01% 1.30% +1.72% $2M
SPY 5.69% 4.05% +1.63% $5M
CXW 1.62% 0.00% +1.62% $1M
MSFT 2.57% 0.97% +1.61% $2M
URA 1.58% 0.00% +1.58% $1M
ITA 2.59% 1.04% +1.56% $2M

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
IVV 0.27% 19.86% -19.59% $220K
BIV 0.00% 7.99% -7.99% $0
FNDE 0.00% 3.80% -3.80% $0
QQQ 0.00% 3.66% -3.66% $0
JQUA 0.00% 2.74% -2.74% $0
AAAU 0.00% 2.32% -2.32% $0
ILCV 0.00% 2.20% -2.20% $0
CLOI 0.00% 2.17% -2.17% $0
JBND 0.00% 2.12% -2.12% $0
BNDX 0.00% 1.86% -1.86% $0
PWR 0.00% 1.72% -1.72% $0
IUS 0.00% 1.54% -1.54% $0
DFAU 0.00% 1.37% -1.37% $0
VEA 0.00% 0.99% -0.99% $0
DFAC 0.00% 0.92% -0.92% $0

Sector Allocation Over Time

Industry Breakdown

IndustryWeight
Financial Services 91.7%
Technology 2.2%
Industrials 2.1%
Basic Materials 1.3%
Consumer Defensive 1.1%

Market Cap Concentration

TierHoldingsValueWeight
Mega Cap 21 $15M 18.4%
Large Cap 39 $46M 55.8%
Mid Cap 20 $16M 19.6%
Small Cap 11 $5M 6.2%
Micro Cap 1 $0 0.0%

Portfolio Analytics

Avg Market Cap
$405.4B
Median Market Cap
$39.0B
Avg P/E
34.2
Median P/E
28.9
Avg Dividend Yield
0.01%
Avg Beta
0.94
# Stocks
27
# ETFs / Funds
65

Top Holdings (92 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 VGLT 10.30% 153,416 $8M $55.35 $1M +26,882 +21.2%
2 GDX 9.18% 223,196 $8M $33.91 -$7M +34,434 +18.2%
3 IWF 9.05% 18,588 $7M $401.59 $3M +8,484 +84.0%
4 IWD 8.27% 36,825 $7M $185.13 $3M +16,766 +83.6%
5 KNG 8.09% 132,836 $7M $50.21 $4M +73,998 +125.8%
6 IMCG 5.99% 65,401 $5M $75.53 -$3M -28,816 -30.6%
7 SPY 5.69% 7,975 $5M $587.99 -$6M -8,295 -51.0%
8 VBK 4.37% 12,867 $4M $280.06 $3M +9,722 +309.1%
9 GLD 3.01% 10,267 $2M $242.13 -$991K +486 +5.0%
10 PM 2.63% 17,838 $2M $121.70 -$139K +3,600 +25.3%
11 AAPL 2.61% 8,608 $2M $250.42 -$114K -304 -3.4%
12 ITA 2.59% 14,712 $2M $145.35 -$642K +1,425 +10.7%
13 MSFT 2.57% 5,037 $2M $421.54 -$474K +21 +0.4%
14 FLXR 1.93% 41,234 $2M $38.68 -$695K -16,314 -28.4%
15 URNM 1.72% 35,147 $1M $40.31 -$860K -2,523 -6.7%
16 CXW 1.62% 61,523 $1M $21.74 +61,523 NEW
17 URA 1.58% 47,373 $1M $27.52 +47,373 NEW
18 NUV 1.33% 128,097 $1M $8.59 -$135K -8,968 -6.5%
19 IWM 1.23% 4,608 $1M $220.96 -$2M -9,534 -67.4%
20 XSW 1.22% 5,309 $1M $188.96 -$3M -12,988 -71.0%
21 EMLP 1.10% 25,538 $910K $35.65 -$123K -1,445 -5.4%
22 CARR 1.02% 12,253 $839K $68.49 $216K +1,811 +17.3%
23 JEPI 0.92% 13,064 $757K $57.92 -$145K -2,724 -17.2%
24 GOOGL 0.91% 3,975 $752K $189.30 -$258K -181 -4.4%
25 JEPQ 0.88% 12,821 $729K $56.84 -$89K -1,401 -9.8%
26 MP 0.84% 44,174 $689K $15.60 -$2M +836 +1.9%
27 MO 0.83% 12,884 $687K $53.31 $304K +7,175 +125.7%
28 AMLP 0.78% 13,363 $644K $48.16 -$322K -7,206 -35.0%
29 GOOG 0.73% 3,167 $603K $190.44 -$190K -88 -2.7%
30 NVDA 0.72% 4,433 $595K $134.29 -$212K +106 +2.5%
31 PFXF 0.68% 32,423 $559K $17.25 -$203K -10,450 -24.4%
32 VWO 0.65% 12,085 $532K $44.04 -$3M -49,451 -80.4%
33 XOM 0.51% 3,923 $422K $107.58 -$28K -69 -1.7%
34 ORCL 0.50% 2,482 $414K $166.64 -$208K +272 +12.3%
35 HP 0.50% 12,897 $413K $32.02 +12,897 NEW
36 AMZN 0.50% 1,864 $409K $219.39 -$59K -268 -12.6%
37 INCY 0.43% 5,078 $351K $69.07 +5,078 NEW
38 TLT 0.33% 3,139 $274K $87.33 $57K +710 +29.2%
39 RIO 0.32% 4,542 $267K $58.81 -$147K -1,735 -27.6%
40 VT 0.31% 2,177 $256K $117.48 $39K +602 +38.2%
41 NEM 0.28% 6,139 $228K $37.22 -$657K -4,369 -41.6%
42 IVV 0.27% 374 $220K $588.68 -$53M -79,155 -99.5%
43 BRK-B 0.26% 476 $216K $453.28 -$355K -660 -58.1%
44 CVX 0.25% 1,411 $204K $144.85 -$366K -2,261 -61.6%
45 SKM 0.25% 9,712 $204K $21.04 +9,712 NEW
46 COST 0.24% 220 $202K $916.70 -$36K -37 -14.4%
47 DFSV —% -$521K -16,358 -100.0% SOLD
48 GPIX —% -$943K -18,060 -100.0% SOLD
49 DFIC —% -$2M -70,458 -100.0% SOLD
50 JNJ —% -$219K -1,179 -100.0% SOLD
51 VBR —% -$253K -1,205 -100.0% SOLD
52 GRNY —% -$596K -23,851 -100.0% SOLD
53 ILCV —% -$6M -65,638 -100.0% SOLD
54 XLK —% -$732K -2,596 -100.0% SOLD
55 DFAC —% -$2M -63,795 -100.0% SOLD
56 DFIV —% -$793K -17,194 -100.0% SOLD
57 SCHV —% -$326K -11,213 -100.0% SOLD
58 WMT —% -$215K -2,083 -100.0% SOLD
59 MLPX —% -$588K -9,371 -100.0% SOLD
60 KKR —% -$234K -1,801 -100.0% SOLD
61 MLN —% -$216K -12,371 -100.0% SOLD
62 DFAE —% -$2M -58,485 -100.0% SOLD
63 VEA —% -$3M -44,312 -100.0% SOLD
64 BIV —% -$21M -274,110 -100.0% SOLD
65 DFGP —% -$1M -20,009 -100.0% SOLD
66 CLOI —% -$6M -109,657 -100.0% SOLD
67 VONE —% -$322K -1,064 -100.0% SOLD
68 DFAU —% -$4M -80,439 -100.0% SOLD
69 AVGO —% -$201K -608 -100.0% SOLD
70 DFEV —% -$651K -20,419 -100.0% SOLD
71 JMUB —% -$506K -10,016 -100.0% SOLD
72 IJR —% -$328K -2,759 -100.0% SOLD
73 AAAU —% -$6M -163,270 -100.0% SOLD
74 QQQ —% -$10M -16,329 -100.0% SOLD
75 VCLT —% -$648K -8,342 -100.0% SOLD
76 JBND —% -$6M -104,880 -100.0% SOLD
77 JQUA —% -$7M -116,943 -100.0% SOLD
78 GPIQ —% -$1M -23,431 -100.0% SOLD
79 IEF —% -$933K -9,671 -100.0% SOLD
80 BNDX —% -$5M -100,946 -100.0% SOLD
81 DGRO —% -$364K -5,345 -100.0% SOLD
82 MDST —% -$204K -7,623 -100.0% SOLD
83 FNDE —% -$10M -281,461 -100.0% SOLD
84 VTV —% -$504K -2,686 -100.0% SOLD
85 IUS —% -$4M -74,597 -100.0% SOLD
86 DUHP —% -$1M -31,614 -100.0% SOLD
87 PZA —% -$276K -11,967 -100.0% SOLD
88 VUG —% -$1M -2,177 -100.0% SOLD
89 VTEB —% -$439K -8,764 -100.0% SOLD
90 SCHD —% -$913K -33,435 -100.0% SOLD
91 PWR —% -$5M -11,115 -100.0% SOLD
92 SPAB —% -$1M -41,431 -100.0% SOLD

Options Breakdown

2 Calls $608K Call Value 1 Puts $0 Put Value 0.0 P/C Ratio

Top Calls

SymbolSharesValueStatus
XOM 3,100 $333K NEW
XLE 3,200 $274K NEW

Top Puts

SymbolSharesValueStatus
SPY $0 SOLD

New Positions

SymbolValue% Port
CXW $1M 1.62%
URA $1M 1.58%
HP $413K 0.50%
INCY $351K 0.43%
SKM $204K 0.25%

Sold Out Positions

SymbolValue% Port
PWR —%
KKR —%
JNJ —%
GPIX —%
DFIC —%
GPIQ —%
MLN —%
IEF —%
DGRO —%
DFEV —%
DFAE —%
GRNY —%
VBR —%
VTV —%
VEA —%
View SEC EDGAR Filings for Tandem Financial, LLC →

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms