Tandem Wealth Advisors LLC

RIA/Wealth

Tandem Wealth Advisors LLC is a RIA/Wealth based in Phoenix, AZ led by Chester Angus Schaal, reporting $223.4M in AUM as of Q3 2025 with 88% ETF concentration, 82% concentrated in top 10 holdings, and 19% allocation to AGG.

Managing PartnerChester Angus Schaal

Portfolio Value: $210.3M
Positions: 47
Top Holding: AGG at 19.18%
Last Reported: Q3 2025

Address1850 N. Central Avenue, Suite 330, Phoenix, AZ, 85004, United States

Top Holdings

Largest long holdings in Tandem Wealth Advisors LLC's portfolio (82.1% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 iShares Core U.S. Aggregate Bond AGG	ETF ETF	$40.3M	19.18%	+$2.8M Bought	— 402.3K shares	Q4 2022 Held for 2y 11m
2 SPDR S&P MidCap 400 ETF MDY	ETF ETF	$18.4M	8.73%	-$615.7K Sold	— 30.8K shares	Q4 2022 Held for 2y 11m
3 iShares MSCI EAFE EFA	ETF ETF	$17.2M	8.20%	-$7.5M Sold	— 184.6K shares	Q4 2022 Held for 2y 11m
4 SPDR S&P 500 ETF Trust SPY	ETF ETF	$17.1M	8.12%	-$1.1M Sold	— 25.6K shares	Q4 2022 Held for 2y 11m
5 iShares Core Dividend Growth DGRO	ETF ETF	$16.1M	7.64%	-$197.8K Sold	— 235.9K shares	Q4 2023 Held for 1y 11m
6 iShares MBS MBB	ETF ETF	$14.9M	7.07%	+$1.0M Bought	— 156.4K shares	Q4 2022 Held for 2y 11m
7 Vanguard Short-Term Corporate Bond VCSH	ETF ETF	$14.0M	6.64%	+$1.1M Bought	— 174.8K shares	Q4 2022 Held for 2y 11m
8 Invesco S&P 500 Equal Weight ETF RSP	ETF ETF	$13.4M	6.36%	-$248.3K Sold	— 70.6K shares	Q4 2022 Held for 2y 11m
9 iShares MSCI Emerging Markets EEM	ETF ETF	$12.8M	6.08%	+$12.8M Bought	— 239.3K shares	Q4 2022 Held for 2y 11m
10 Vanguard Information Technology VGT	ETF ETF	$8.5M	4.06%	-$1.6M Sold	— 11.4K shares	Q4 2022 Held for 2y 11m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Tandem Wealth Advisors LLC's latest filing

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Market Value

$210.3M

Prior: $202.2M

Q/Q Change

+4.01%

+$8.1M

Net Flows % of MV

-6.53%

Turnover Ratio

9.52%

New Purchases

1 stocks

$402.3K

Added To

20 stocks

+$6.4M

Sold Out Of

4 stocks

$5.9M

Reduced Holdings

24 stocks

-$14.6M

Increased Positions

Position	Shares Δ	Change
1 Boeing BA	New	0 → 1.9K +$402.3K
2 AutoZone AZO	+65.75%	73.0 → 121.0 +$205.9K
3 Palo Alto Networks, Inc. PANW	+48.23%	2.3K → 3.3K +$221.7K
4 Goldman Sachs Group GS	+34.06%	411.0 → 551.0 +$111.5K
5 Utilities Select Sector SPDR Fund XLU	+23.54%	5.4K → 6.7K +$111.3K

Decreased Positions

Position	Shares Δ	Change
1 Vanguard Utilities VPU	Sold	28.5K → 0 −$5.0M
2 Procter & Gamble PG	Sold	2.2K → 0 −$346.2K
3 UnitedHealth Group UNH	Sold	912.0 → 0 −$284.5K
4 Fortinet FTNT	Sold	2.1K → 0 −$226.7K
5 Broadcom Inc. AVGO	-38.34%	3.6K → 2.2K −$457.9K