tru Independence LLC

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 23, 2025), tru Independence LLC reported 125 stock positions worth $385.0 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 4.8% of the portfolio, followed by First Trust Rising Dividend (RDVY, 4.1%) and Fidelity Total Bond ETF (FBND, 4.1%). Compared with Q2 2025, it opened 7 new positions, sold out of 2, added to 79 and reduced 36. The biggest buy was a new position in General Mills (GIS) and the biggest sale AT&T (T, shares −2%).

Most Recent 13F
Q2 2026
Location
PORTLAND, OR
CIK
0001785445
Portfolio Value
$385.0M (Q3 2025)
SEC Filing
0001785445-25-000011 ↗ filed Oct 23, 2025

Holdings Value

0$100.0M$200.0M$300.0M$400.0M Q1 2024: $339.5M Q1 2024 Q2 2024: $331.2M Q2 2024 Q3 2024: $341.6M Q3 2024 Q4 2024: $318.4M Q4 2024 Q1 2025: $322.2M Q1 2025 Q2 2025: $345.8M Q2 2025 Q3 2025: $385.0M $385.0M Q3 2025 Q4 2025: $396.6M Q4 2025 Q1 2026: $202.2M Q1 2026 Q2 2026: $228.7M Q2 2026

Holdings 125 stocks · $385.0M
DFAC Dimensional US Core Equity 2 4.81% 480,264 $18.5M Add +4.2%
RDVY First Trust Rising Dividend 4.08% 233,631 $15.7M Add +5.2%
FBND Fidelity Total Bond ETF 4.07% 339,126 $15.7M Add +6.8%
FTCS First Trust Capital Strength 3.99% 163,905 $15.3M Add +6.6%
DFAI Dimensional International Co. 3.55% 376,356 $13.7M Add +3.9%
QGRW Wisdomtree US Quality Growth 2.67% 179,080 $10.3M Add +1.7%
AAPL Apple Inc. 2.53% 38,322 $9.8M Add +0.8%
GM General Motors Co. 2.44% 153,803 $9.4M Reduce -2.1%
BAC Bank of America Corp. filed as BANK AMERICA CORP 2.37% 177,096 $9.1M Reduce -1.2%
JPM JPMorgan Chase & Co. 2.32% 28,253 $8.9M Reduce -0.6%
GLW Corning Inc. 2.29% 107,352 $8.8M Reduce -23.8%
CGGR Cap Group Growth Equity 1.98% 173,932 $7.6M Add +7.4%
MSFT Microsoft Corp. 1.81% 13,470 $7.0M Add +15.9%
BA The Boeing Co. 1.77% 31,659 $6.8M Reduce -0.1%
ALL Allstate Corp. 1.71% 30,605 $6.6M Add +0.0%
T AT&T Inc. 1.69% 230,821 $6.5M Reduce -2.3%
C Citigroup Inc. 1.63% 61,890 $6.3M Reduce -0.7%
HGER Harbor Commodity All Weather 1.48% 221,520 $5.7M Add +9.8%
UAL United Airlines Holdings Inc. 1.48% 59,095 $5.7M Reduce -0.0%
KIM Kimco Realty Corp. 1.46% 257,399 $5.6M Add +1.3%
UL Unilever PLC 1.45% 94,188 $5.6M Add +0.6%
SHEL Shell PLC-ADR 1.45% 78,045 $5.6M Reduce -0.3%
TRV The Travelers Cos Inc. 1.44% 19,837 $5.5M Add +0.0%
F Ford Motor Co. filed as FORD MTR CO 1.40% 451,316 $5.4M Reduce -0.1%
XC Wisdomtree True Emerging Mar 1.40% 155,649 $5.4M Add +6.8%
CVS CVS Health Corp. 1.38% 70,437 $5.3M Reduce -0.3%
VZ Verizon Communications Inc. 1.36% 119,254 $5.2M Add +0.3%
AIRR First Trust Rba American Ind 1.35% 53,681 $5.2M Add +0.5%
CSCO Cisco Systems Inc. 1.34% 75,545 $5.2M Reduce -1.4%
FMC FMC Corp. 1.34% 152,855 $5.1M Add +35.8%
VYM Vanguard High DVD Yield ETF 1.33% 36,190 $5.1M Reduce -0.9%
CVX Chevron Corp. 1.32% 32,646 $5.1M Add +0.3%
FDX FedEx Corp. 1.30% 21,267 $5.0M Add +0.9%
SPG Simon Property Group Inc. 1.29% 26,440 $5.0M Add +0.5%
ALK Alaska Air Group Inc. 1.26% 97,711 $4.9M Reduce -0.8%
CMA Comerica Inc. 1.23% 69,145 $4.7M Reduce -20.6%
JNJ Johnson & Johnson 1.22% 25,256 $4.7M Add +5.5%
GPK Graphic Packaging Holding Co. 1.21% 237,525 $4.6M Add +1.9%
GIS General Mills Inc. 1.19% 91,125 $4.6M New
OI O-I Glass Inc. 1.19% 353,443 $4.6M Add +0.3%
LYB Lyondellbasell Indu Class A 1.17% 92,213 $4.5M Add +17.0%
ABBV Abbvie Inc. 1.17% 19,469 $4.5M Add +0.8%
MRK Merck & Co. Inc. 1.13% 51,886 $4.4M Add +2.4%
TSN Tyson Foods Inc. Class A 1.11% 78,370 $4.3M Add +3.6%
INCO Columbia India Consumer ETF 1.05% 62,365 $4.0M Add +9.5%
BP BP PLC-Spons ADR 1.02% 113,750 $3.9M Add +1.1%
BRX Brixmor Property Group Inc. 0.92% 128,392 $3.6M Add +1.4%
FESM Fidelity Enhanced Small Cap 0.90% 94,425 $3.5M Add +477.1%
ENR Energizer Holdings Inc. 0.89% 136,931 $3.4M Reduce -9.1%
ENVX Enovix Corp. 0.79% 304,190 $3.0M Add +2.9%
VGT Vanguard Info Tech ETF 0.74% 3,802 $2.8M Reduce -0.3%
HISF First TR Hi Inc. Strat Foc 0.70% 60,023 $2.7M Add +2.5%
IVV iShares Core S&P 500 ETF 0.70% 4,003 $2.7M Add +16.9%
JAAA Janus Henderson Aaa Clo ETF 0.56% 42,524 $2.2M Add +0.7%
BRK.B Berkshire Hathaway Inc. Class B 0.49% 3,740 $1.9M Add +5.1%
META Meta Platforms Inc. Class A 0.47% 2,498 $1.8M Add +1.4%
DOW Dow Inc. 0.42% 70,482 $1.6M Reduce -12.9%
FVD First Trust Value Line DVD 0.38% 31,382 $1.5M Reduce -0.9%
SPYM Ste STR SPDR PT S&P 500 ETF 0.32% 15,625 $1.2M Add +25.0%
SDVY First Trust Smid Cap Rising 0.30% 30,572 $1.2M Reduce -0.7%
VTI VG Morningstar TS MKT ETF-US 0.28% 3,250 $1.1M Add +8.9%
DUHP Dimensional US High Profi Et 0.27% 27,988 $1.1M Reduce -0.1%
IEMG iShares Core MSCI Emerging 0.26% 15,166 $1000K Add +13.4%
IEFA iShares Core MSCI Eafe ETF 0.24% 10,571 $923K Add +11.4%
AMZN Amazon.com Inc. 0.23% 4,039 $887K Add +17.8%
VTV Vanguard Mrngstr Val ETF-Aui 0.22% 4,635 $864K Add +0.4%
NVDA Nvidia Corp. 0.22% 4,617 $861K Add +10.0%
DFUV Dimensional US Marketwide Va 0.21% 18,388 $822K Add +0.2%
IVW iShares S&P 500 Growth ETF 0.20% 6,401 $773K Add +4.6%
GOOG Alphabet Inc. Class C 0.20% 3,142 $765K Add +3.3%
FDL First Trust Morn DVD Lead Inc. 0.19% 17,243 $749K Add +0.1%
MCD McDonald's Corp. 0.19% 2,440 $742K Add +1.1%
DFAE Dimensional Emerging Core Eq 0.19% 23,434 $739K Reduce -6.7%
EFA iShares MSCI Eafe ETF 0.19% 7,691 $718K Reduce -7.7%
XLY SS Consumer Disc Select Sect 0.18% 2,868 $687K Reduce -5.0%
COF Capital One Financial Corp. 0.18% 3,220 $685K Add +0.6%
VIS Vanguard Industrials ETF 0.17% 2,193 $650K Reduce -3.2%
XLV SS Health Care Select Sector 0.16% 4,334 $603K Reduce -3.5%
XLF SS Financial Select Sector 0.15% 11,042 $595K Reduce -7.2%
VOO Vanguard S&P 500 ETF 0.14% 911 $558K Add +0.1%
REGL Prshrs S&P Mid 400 DVD Arist 0.14% 6,336 $541K Reduce -5.7%
CGUS Cap Group Core Equity filed as CAPITAL GROUP CORE EQUITY ET 0.14% 13,286 $525K Add +1.7%
CGXU Cap Group Intl Focus filed as CAPITAL GROUP INTL FOCUS EQT 0.14% 17,617 $522K Add +0.7%
FTGC First Trust Global Tactical 0.14% 20,075 $520K Reduce -17.1%
VIG Vanguard Dividend Apprec ETF 0.13% 2,312 $499K Add +21.3%
FDN First Trust DJ Internet Ind 0.13% 1,774 $496K Reduce -2.2%
VFH Vanguard Financials ETF 0.13% 3,670 $482K No change
QQEW First TR Nasdaq-100 Sel Eq 0.12% 3,397 $479K Add +0.1%
GOOGL Alphabet Inc. Class A 0.12% 1,956 $476K Add +10.5%
VUG Vanguard Mrngstar GR ETF-Sui 0.12% 961 $461K Reduce -0.2%
DFAU Dimensional US Core Equity M 0.12% 9,978 $457K Add +0.3%
LMT Lockheed Martin Corp. 0.11% 872 $435K Add +0.2%
CGCP Cap Group Core Plus Income 0.10% 17,604 $400K Add +5.3%
TSLA Tesla Inc. 0.10% 869 $386K Add +4.6%
CGBL Cap Group Core Balanced filed as CAPITAL GROUP CORE BALANCED 0.10% 11,091 $385K Add +32.5%
XLI SS Industrial Select Sector 0.10% 2,457 $379K Add +0.4%
AVGO Broadcom Inc. 0.10% 1,136 $375K Add +14.1%
CGDV Cap Group Dividend Value filed as CAPITAL GROUP DIVIDEND VALUE 0.10% 8,838 $371K Add +0.2%
SPY SS SPDR S&P 500 ETF Trust-US 0.10% 556 $371K Add +5.5%
TT Trane Technologies PLC 0.10% 870 $367K Add +0.2%

Show all 125 holdings

Portfolio Sells Q2 2025 → Q3 2025
T AT&T Inc. Reduce -2.3% 1.69% −0.28
CMA Comerica Inc. Reduce -20.6% 1.23% −0.27
DOW Dow Inc. Reduce -12.9% 0.42% −0.20
CSCO Cisco Systems Inc. Reduce -1.4% 1.34% −0.19
ALK Alaska Air Group Inc. Reduce -0.8% 1.26% −0.15
BA The Boeing Co. Reduce -0.1% 1.77% −0.15
SHEL Shell PLC-ADR Reduce -0.3% 1.45% −0.14
GVA Granite Construction Inc. Sold out 0.00% −0.09
VYM Vanguard High DVD Yield ETF Reduce -0.9% 1.33% −0.08
BAC Bank of America Corp. Reduce -1.2% 2.37% −0.08
JPM JPMorgan Chase & Co. Reduce -0.6% 2.32% −0.07
BALL Ball Corp. Sold out 0.00% −0.06
IR Ingersoll-Rand Inc. Reduce -40.4% 0.06% −0.05
FTGC First Trust Global Tactical Reduce -17.1% 0.14% −0.04
FVD First Trust Value Line DVD Reduce -0.9% 0.38% −0.03
CVS CVS Health Corp. Reduce -0.3% 1.38% −0.03
EFA iShares MSCI Eafe ETF Reduce -7.7% 0.19% −0.03
XLF SS Financial Select Sector Reduce -7.2% 0.15% −0.03
DFAE Dimensional Emerging Core Eq Reduce -6.7% 0.19% −0.02
XLV SS Health Care Select Sector Reduce -3.5% 0.16% −0.02
REGL Prshrs S&P Mid 400 DVD Arist Reduce -5.7% 0.14% −0.02
F Ford Motor Co. Reduce -0.1% 1.40% −0.01
VIS Vanguard Industrials ETF Reduce -3.2% 0.17% −0.01
XOM Exxon Mobil Corp. Reduce -9.1% 0.08% −0.01
DUHP Dimensional US High Profi Et Reduce -0.1% 0.27% −0.01
FDN First Trust DJ Internet Ind Reduce -2.2% 0.13% −0.01
SDVY First Trust Smid Cap Rising Reduce -0.7% 0.30% −0.01
XLY SS Consumer Disc Select Sect Reduce -5.0% 0.18% −0.01
LLY Eli Lilly & Co. Reduce -1.7% 0.07% −0.01
UCON First Trust Smith Unconstrai Reduce -0.5% 0.09% −0.01
VUG Vanguard Mrngstar GR ETF-Sui Reduce -0.2% 0.12% −0.00
TDIV FT Nasdaq Tech DVD Index FD Reduce -0.8% 0.07% −0.00
VGT Vanguard Info Tech ETF Reduce -0.3% 0.74% +0.01
ENR Energizer Holdings Inc. Reduce -9.1% 0.89% +0.01
C Citigroup Inc. Reduce -0.7% 1.63% +0.10
UAL United Airlines Holdings Inc. Reduce -0.0% 1.48% +0.12
GLW Corning Inc. Reduce -23.8% 2.29% +0.14
GM General Motors Co. Reduce -2.1% 2.44% +0.20

Portfolio Buys Q2 2025 → Q3 2025
GIS General Mills Inc. New 1.19% +1.19
FESM Fidelity Enhanced Small Cap Add +477.1% 0.90% +0.75
AAPL Apple Inc. Add +0.8% 2.53% +0.28
JNJ Johnson & Johnson Add +5.5% 1.22% +0.16
MSFT Microsoft Corp. Add +15.9% 1.81% +0.14
ABBV Abbvie Inc. Add +0.8% 1.17% +0.13
AIRR First Trust Rba American Ind Add +0.5% 1.35% +0.09
ITOT iShares Core S&P Total U.S. New 0.09% +0.09
IVV iShares Core S&P 500 ETF Add +16.9% 0.70% +0.08
CGGR Cap Group Growth Equity Add +7.4% 1.98% +0.08
CP Canadian Pacific Kansas City New 0.08% +0.08
HGER Harbor Commodity All Weather Add +9.8% 1.48% +0.07
SPG Simon Property Group Inc. Add +0.5% 1.29% +0.07
WMT Walmart Inc. New 0.06% +0.06
RTX RTX Corp. New 0.06% +0.06
SPYM Ste STR SPDR PT S&P 500 ETF Add +25.0% 0.32% +0.06
RDVY First Trust Rising Dividend Add +5.2% 4.08% +0.05
MO Altria Group Inc. New 0.05% +0.05
CAT Caterpillar Inc. New 0.05% +0.05
BP BP PLC-Spons ADR Add +1.1% 1.02% +0.04
GOOG Alphabet Inc. Class C Add +3.3% 0.20% +0.04
DFAC Dimensional US Core Equity 2 Add +4.2% 4.81% +0.04
GOOGL Alphabet Inc. Class A Add +10.5% 0.12% +0.03
NVDA Nvidia Corp. Add +10.0% 0.22% +0.03
IEMG iShares Core MSCI Emerging Add +13.4% 0.26% +0.03
TSLA Tesla Inc. Add +4.6% 0.10% +0.02
CGBL Cap Group Core Balanced Add +32.5% 0.10% +0.02
AVGO Broadcom Inc. Add +14.1% 0.10% +0.02
VIG Vanguard Dividend Apprec ETF Add +21.3% 0.13% +0.02
ORCL Oracle Corp. Add +5.3% 0.09% +0.02
VTI VG Morningstar TS MKT ETF-US Add +8.9% 0.28% +0.01
AMZN Amazon.com Inc. Add +17.8% 0.23% +0.01
IEFA iShares Core MSCI Eafe ETF Add +11.4% 0.24% +0.01
IVW iShares S&P 500 Growth ETF Add +4.6% 0.20% +0.01
SPY SS SPDR S&P 500 ETF Trust-US Add +5.5% 0.10% +0.00
FPX First Trust US Equity Opport Add +0.3% 0.06% +0.00
DUK Duke Energy Corp. Add +9.1% 0.07% +0.00
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +8.2% 0.08% +0.00
TFC Truist Financial Corp. Add +4.0% 0.09% −0.00
XLC SS Comm Select Sector SPDR Add +0.3% 0.06% −0.00
FTGS First Trust Grwth Strgth ETF Add +3.5% 0.06% −0.00
CGXU Cap Group Intl Focus Add +0.7% 0.14% −0.00
CGUS Cap Group Core Equity Add +1.7% 0.14% −0.00
DFAU Dimensional US Core Equity M Add +0.3% 0.12% −0.00
LMT Lockheed Martin Corp. Add +0.2% 0.11% −0.00
VIGI Vanguard Int Div App Indx FD Add +7.4% 0.08% −0.00
CGDV Cap Group Dividend Value Add +0.2% 0.10% −0.00
VOO Vanguard S&P 500 ETF Add +0.1% 0.14% −0.00
WFC Wells Fargo & Co. Add +1.0% 0.09% −0.00
CGCP Cap Group Core Plus Income Add +5.3% 0.10% −0.00

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 108$228.7MDFAC, RDVY, FBND, FTCS, DFAI
Q1 2026 102$202.2MDFAC, FBND, RDVY, FTCS, DFAI
Q4 2025 132$396.6MDFAC, FBND, RDVY, FTCS, DFAI
Q3 2025 125$385.0MDFAC, RDVY, FBND, FTCS, DFAI
Q2 2025 120$345.8MDFAC, FBND, FTCS, RDVY, DFAI
Q1 2025 110$322.2MDFAC, FBND, FTCS, RDVY, DFAI
Q4 2024 113$318.4MDFAI, FTCS, FBND, DFAC, AAPL
Q3 2024 110$341.6MDFAI, FTCS, FBND, DFAC, RDVY
Q2 2024 104$331.2MDFAI, FTCS, FBND, DFAC, GM
Q1 2024 108$339.5MDFAI, FTCS, FBND, GM, DFAC