Legal

Disclosures

Registration

Tandem Private Wealth, LLC is a registered investment adviser, IARD #342827, registered in California. Tandem Private Wealth, LLC is a registered investment adviser. Registration of an investment advisory firm does not imply a particular level of skill or training.

This website is not an offer to sell, or a solicitation of an offer to buy, advisory services in any state in which Tandem Private Wealth is not registered or exempt from registration. Additional information about the firm is available on the SEC’s Investment Adviser Public Disclosure website at adviserinfo.sec.gov.

No approval by any regulator

The information on this website and in our Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Registration does not imply any level of skill or training, and does not constitute an endorsement of the firm by any regulator.

Fiduciary duty

Tandem Private Wealth and its investment adviser representatives act in a fiduciary capacity when providing investment advisory services. As a fiduciary, we must provide full and fair disclosure of all material facts and act in the best interest of each client at all times. This duty is the core principle of our Code of Ethics, which also covers insider trading and personal securities transaction policies. Our Code of Ethics is available to clients and prospective clients on request.

Risk of loss

Investing involves risk, including the possible loss of principal. Investing in securities involves the risk of loss that clients should be prepared to bear. We manage accounts consistently with each client’s pre-determined risk tolerance and suitability profile, but we cannot guarantee that our efforts will be successful, and no level of performance is or can be guaranteed. Risks include financial, market, inflation, political and governmental, interest rate, call, default, manager, industry, and alternative investment risk.

No performance, testimonials, or rankings

This website presents no performance figures, hypothetical or back-tested results, testimonials, endorsements, third-party ratings, or awards. As of the date of the Brochure (July 7, 2026), Tandem Private Wealth does not have any assets under management.

Conflicts of interest

Christopher Lazaro is also a licensed insurance agent, real estate broker, mortgage loan officer, and seller of travel, and receives commissions and other compensation in those capacities. These create material conflicts of interest with the fiduciary duty owed to advisory clients. See our full conflicts of interest disclosure.

Custody

We are deemed to have custody of client funds and securities because we can deduct management fees from client accounts, and because we may act under Standing Letters of Authorization to transfer funds to client-designated third parties. We do not take physical custody of client funds and do not assign or transfer trading authorization to another adviser. Clients receive account statements directly from their qualified custodian at least quarterly and should review them carefully.

Proxy voting

We do not have authority to vote proxies for securities held in your account. You are responsible for voting all proxies. Your custodian will typically forward proxy materials to you; you may contact us with questions about a particular proxy.

Educational content; no personalized advice

Content on this website is general and educational. It is not investment advice, not a recommendation to buy or sell any security, and not a solicitation. It does not take account of your particular objectives, financial situation, or needs. No advisory relationship is formed by visiting this website or contacting the firm. An advisory relationship begins only on execution of a written Investment Advisory Agreement.

No tax or legal advice

Tandem Private Wealth does not provide tax or legal advice. Nothing on this website should be construed as such. Consult a qualified tax professional or attorney about your circumstances.

Third-party links

This website may link to third-party websites for convenience. Tandem Private Wealth does not control, endorse, or accept responsibility for the content, accuracy, or privacy practices of any third-party site.

Financial condition

We do not require a fee of $500 or more paid six months or more in advance. We are not subject to any financial condition reasonably likely to impair our ability to meet contractual commitments to clients, and we are not, and have not been, the subject of a bankruptcy petition. We maintain a written Business Continuity Plan.