Belgrade, MT Office

Tandem Wealth Advisors is an employee‑owned, SEC‑registered investment adviser that provides discretionary investment management and financial planning to individuals, families, trusts, retirement plans, charitable organizations and corporations. The firm also delivers model management and unified managed account services to third‑party platform sponsors and serves as a sub‑advisor in wrap fee and separately managed account programs.

The firm’s investment process combines top‑down macroeconomic analysis with bottom‑up fundamental and relative‑valuation research, emphasizing diversified, balanced portfolios built from ETFs, individual equities and investment‑grade fixed income to pursue long‑term capital growth while controlling risk. Tandem conducts regular monitoring and rebalancing, aims for low turnover, and offers financial planning via a proprietary tool, Handlebar™, which the brochure describes as using advanced analytics and probabilistic programming to produce personalized plans.

What distinguishes Tandem from many peers is its role as investment sub‑advisor to the Tandem Collective Funds, a series of pooled collective investment trusts for qualified retirement plans with daily pricing and trustee oversight, coupled with model management for unified accounts and wrap‑program sub‑advisory services. The brochure also describes routine performance reporting for plan participants and platform sponsors and discloses the use of performance materials—including predecessor and hypothetical results—in connection with its pooled and model strategies, features that are less common among similar team firms.