Tandem Securities, Inc.
Client Relationship Summary March 2024

ITEM 1: Introduction

Tandem Securities, Inc. (Tandem) is a broker dealer registered with the Securities and Exchange
Commission.  Brokerage and investment advisory services and fees differ.  It is important for you to
understand these differences.  This document gives you a summary of the types of services and fees we offer. Free and simple tools are available to research firms and financial professionals at www.investor.gov/CRS. This site also provides educational materials about broker-dealers, investment advisers, and investing.

ITEM 2: Relationships and Services

Tandem offers a wide variety of insurance and investment products to retail. We gather information regarding your goals, investment objectives, and risk tolerance through discussions with you, which helps identify and make investment recommendations in your best interest.  Your situation is taken into account to create an investment recommendation for you that may include; variable annuities, fixed annuities, variable life, mutual fund, or college 529 plans.

Your accounts are monitored by us.  Reviews are offered annually to all retail investors. Reviews will be done upon the request of the client.  Clients may request more frequent reviews. Levels of reviews will vary depending on needs. Accounts are not assigned to reviewers. Clients select and engage the Registered Representative. All accounts are held under non-discretionary services.  Clients have the ability to access and view accounts directly with investment company.  Clients have the direct ability to reallocate, withdraw, and start or stop periodic investments.  You make the ultimate decision regarding the purchase or sale of an investment.  At any time you can request your account to be reviewed by your representative.

Tandem has many selling agreements in place for; mutual funds, fixed and variable annuities, fixed and variable life insurance, and 529 plans.  We however do not offer or recommend individual securities such as stocks and bonds. Tandem also doesn't have or recommend proprietary products.

Here are questions we recommend you ask us to start a conversation about relationships and services:
•    Given my financial situation, should I choose a brokerage service? Why or why not?
•    How will you choose investments to recommend to me?
•    What is your relevant experience, including your licenses, education and other qualifications?  What do these qualifications mean?

ITEM 3: Fees, Costs, Conflicts, and Standard of Conduct

You will pay fees and costs whether you make or lose money on your investments.  Fees and costs will reduce any amount of money you make on your investments over time.  Please make sure you understand what fees and cost you are paying.  Tandem does not charge any additional asset management fees, hourly fees, transaction fees, or wrap fees.  Tandem does not have a minimum account size beyond what the product company requires.

Common Fees for Variable Annuities: M&E charge of 1.3%, optional rider charges of .55% to 2.2%,
subaccount charges of .53% to 1.74%, and surrender charges of 8.5% to 1°k
Common Fees for Mutual Funds: A-Share Front End Load avg. 5% and C-Share level load avg. 1% Common Fees for Variable Life: mortality cost and surrender charges

What are your legal obligations to me when providing recommendations?  How else does your firm
make money and what conflicts of interest do you have?

What are your legal obligations to me when providing recommendations? How else does your firm make money and what conflicts of interest do you have?

Tandem Securities, Inc.
Client Relationship Summary March 2024

How else does your firm make money and what conflicts of interest do you have?

Tandem's registered representatives  are paid commissions directly from the company.  These commissions are a part of the products front or back end load, M&E charges, or surrender charges.

Here are questions we recommend you ask us to start a conversation about fees and conflicts:      

• Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest how much will go to fees and costs, and how much will be invested for me?

ITEM 4: Disciplinary History

Do you or your financial professionals have legal or disciplinary history?
Yes. You can visit www.investor.org/CRS for a free and simple search tool to research our firm and our professionals.

Here is a question we recommend you ask us to start a conversation about disciplinary history:
1. As a financial professional, do you have any disciplinary history? For what type of conduct?

ITEM 5: Additional Information

If you would like addition information about our firm or the services we provide to our clients, you can find it on our website, www.tandemsecurities.net.

For a copy of this relationship summary or to request additional, up-to-date information, you may also contact our firm at 785-266-3310.

Here are some additional questions we recommend you ask us:

• Who is my primary  contact person?
• Is he or she a representative of an investment adviser or a broker-dealer?
• Who can I talk to about how this person is treating me?