tru Independence LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 22, 2026), tru Independence LLC reported 132 stock positions worth $396.6 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 5.1% of the portfolio, followed by Fidelity Total Bond ETF (FBND, 4.4%) and First Trust Rising Dividend (RDVY, 4.3%). Compared with Q3 2025, it opened 12 new positions, sold out of 6, added to 55 and reduced 62. The biggest buy was a new position in JBS NV-A (JBS) and the biggest sale an exit from FMC (FMC).
- Most Recent 13F
- Q2 2026
- Location
- PORTLAND, OR
- CIK
- 0001785445
- Portfolio Value
- $396.6M (Q4 2025)
- SEC Filing
- 0001785445-26-000001 ↗ filed Jan 22, 2026
Holdings Value
Holdings 132 stocks · $396.6M
| DFAC Dimensional US Core Equity 2 | 5.07% | 508,034 | $20.1M | Add +5.8% |
| FBND Fidelity Total Bond ETF | 4.36% | 375,741 | $17.3M | Add +10.8% |
| RDVY First Trust Rising Dividend | 4.33% | 247,244 | $17.2M | Add +5.8% |
| FTCS First Trust Capital Strength | 4.14% | 177,567 | $16.4M | Add +8.3% |
| DFAI Dimensional International Co. | 3.74% | 389,220 | $14.8M | Add +3.4% |
| GM General Motors Co. | 2.96% | 144,393 | $11.7M | Reduce -6.1% |
| QGRW Wisdomtree US Quality Growth | 2.71% | 183,393 | $10.8M | Add +2.4% |
| AAPL Apple Inc. | 2.62% | 38,206 | $10.4M | Reduce -0.3% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 2.36% | 169,859 | $9.3M | Reduce -4.1% |
| GLW Corning Inc. | 2.28% | 103,141 | $9.0M | Reduce -3.9% |
| JPM JPMorgan Chase & Co. | 2.24% | 27,606 | $8.9M | Reduce -2.3% |
| CGGR Cap Group Growth Equity | 2.19% | 195,358 | $8.7M | Add +12.3% |
| MSFT Microsoft Corp. | 1.88% | 15,392 | $7.4M | Add +14.3% |
| C Citigroup Inc. | 1.78% | 60,565 | $7.1M | Reduce -2.1% |
| BA The Boeing Co. | 1.70% | 31,079 | $6.7M | Reduce -1.8% |
| HGER Harbor Commodity All Weather | 1.65% | 262,957 | $6.5M | Add +18.7% |
| UAL United Airlines Holdings Inc. | 1.63% | 57,932 | $6.5M | Reduce -2.0% |
| ALL Allstate Corp. | 1.58% | 30,034 | $6.3M | Reduce -1.9% |
| FDX FedEx Corp. | 1.53% | 20,956 | $6.1M | Reduce -1.5% |
| T AT&T Inc. | 1.47% | 234,715 | $5.8M | Add +1.7% |
| XC Wisdomtree True Emerging Mar | 1.46% | 177,948 | $5.8M | Add +14.3% |
| F Ford Motor Co. filed as FORD MTR CO | 1.45% | 439,191 | $5.8M | Reduce -2.7% |
| TRV The Travelers Cos Inc. | 1.44% | 19,652 | $5.7M | Reduce -0.9% |
| CSCO Cisco Systems Inc. | 1.42% | 72,955 | $5.6M | Reduce -3.4% |
| SHEL Shell PLC-ADR | 1.42% | 76,445 | $5.6M | Reduce -2.0% |
| CVS CVS Health Corp. | 1.37% | 68,479 | $5.4M | Reduce -2.8% |
| UL Unilever PLC-Sponsored ADR | 1.36% | 82,266 | $5.4M | Reduce -1.7% |
| AIRR First Trust Rba American Ind | 1.35% | 54,527 | $5.4M | Add +1.6% |
| MRK Merck & Co. Inc. | 1.34% | 50,544 | $5.3M | Reduce -2.6% |
| OI O-I Glass Inc. | 1.31% | 350,968 | $5.2M | Reduce -0.7% |
| JNJ Johnson & Johnson | 1.30% | 24,980 | $5.2M | Reduce -1.1% |
| KIM Kimco Realty Corp. | 1.30% | 253,874 | $5.1M | Reduce -1.4% |
| ALK Alaska Air Group Inc. | 1.29% | 102,001 | $5.1M | Add +4.4% |
| VYM Vanguard High DVD Yield ETF | 1.28% | 35,440 | $5.1M | Reduce -2.1% |
| CVX Chevron Corp. | 1.27% | 33,164 | $5.1M | Add +1.6% |
| JBS JBS NV-A | 1.23% | 339,095 | $4.9M | New |
| VZ Verizon Communications Inc. | 1.23% | 119,633 | $4.9M | Add +0.3% |
| SPG Simon Property Group Inc. | 1.22% | 26,237 | $4.9M | Reduce -0.8% |
| FESM Fidelity Enhanced Small Cap | 1.20% | 125,563 | $4.7M | Add +33.0% |
| TSN Tyson Foods Inc. Class A | 1.18% | 79,771 | $4.7M | Add +1.8% |
| GIS General Mills Inc. | 1.17% | 99,635 | $4.6M | Add +9.3% |
| INCO Columbia India Consumer ETF | 1.15% | 70,265 | $4.6M | Add +12.7% |
| ABBV Abbvie Inc. | 1.12% | 19,437 | $4.4M | Reduce -0.2% |
| BP BP PLC-Spons ADR | 0.99% | 113,240 | $3.9M | Reduce -0.5% |
| LYB Lyondellbasell Indu Class A | 0.93% | 85,353 | $3.7M | Reduce -7.4% |
| GPK Graphic Packaging Holding Co. | 0.90% | 235,875 | $3.6M | Reduce -0.7% |
| BRX Brixmor Property Group Inc. | 0.86% | 130,257 | $3.4M | Add +1.4% |
| HISF First TR Hi Inc. Strat Foc | 0.75% | 65,472 | $3.0M | Add +9.1% |
| IVV iShares Core S&P 500 ETF | 0.73% | 4,237 | $2.9M | Add +5.8% |
| VGT Vanguard Info Tech ETF | 0.70% | 3,660 | $2.8M | Reduce -3.7% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.63% | 4,962 | $2.5M | Add +32.7% |
| JAAA Janus Henderson Aaa Clo ETF | 0.56% | 43,936 | $2.2M | Add +3.3% |
| ENVX Enovix Corp. | 0.55% | 295,935 | $2.2M | Reduce -2.7% |
| META Meta Platforms Inc. Class A | 0.43% | 2,597 | $1.7M | Add +4.0% |
| FVD First Trust Value Line DVD | 0.36% | 30,628 | $1.4M | Reduce -2.4% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.30% | 14,751 | $1.2M | Reduce -5.6% |
| SDVY First Trust Smid Cap Rising | 0.29% | 29,883 | $1.1M | Reduce -2.3% |
| VTI VG Morningstar TS MKT ETF-US | 0.28% | 3,262 | $1.1M | Add +0.4% |
| GOOG Alphabet Inc. Class C | 0.27% | 3,437 | $1.1M | Add +9.4% |
| AMZN Amazon.com Inc. | 0.27% | 4,610 | $1.1M | Add +14.1% |
| MCD McDonald's Corp. | 0.27% | 3,478 | $1.1M | Add +42.5% |
| DUHP Dimensional US High Profi Et | 0.25% | 26,299 | $1.0M | Reduce -6.0% |
| NVDA Nvidia Corp. | 0.24% | 5,052 | $942K | Add +9.4% |
| IEFA iShares Core MSCI Eafe ETF | 0.24% | 10,449 | $935K | Reduce -1.1% |
| IEMG iShares Core MSCI Emerging | 0.23% | 13,352 | $898K | Reduce -12.0% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.23% | 4,673 | $892K | Add +0.8% |
| DFUV Dimensional US Marketwide Va | 0.22% | 18,422 | $858K | Add +0.2% |
| IVW iShares S&P 500 Growth ETF | 0.20% | 6,403 | $789K | Add +0.0% |
| COF Capital One Financial Corp. | 0.20% | 3,217 | $780K | Reduce -0.1% |
| ENR Energizer Holdings Inc. | 0.19% | 38,865 | $773K | Reduce -71.6% |
| FDL First Trust Morn DVD Lead Inc. | 0.19% | 17,102 | $758K | Reduce -0.8% |
| EFA iShares MSCI Eafe ETF | 0.19% | 7,679 | $737K | Reduce -0.2% |
| XLY SS Consumer Disc Select Sect | 0.17% | 5,702 | $681K | Reduce -0.6% |
| GOOGL Alphabet Inc. Class A | 0.16% | 2,052 | $642K | Add +4.9% |
| XLV SS Health Care Select Sector | 0.16% | 4,123 | $638K | Reduce -4.9% |
| VIS Vanguard Industrials ETF | 0.16% | 2,097 | $626K | Reduce -4.4% |
| DFAE Dimensional Emerging Core Eq | 0.15% | 17,661 | $575K | Reduce -24.6% |
| VOO Vanguard S&P 500 ETF | 0.14% | 911 | $571K | No change |
| XLF SS Financial Select Sector | 0.14% | 10,082 | $552K | Reduce -8.7% |
| CGUS Cap Group Core Equity filed as CAPITAL GROUP CORE EQUITY ET | 0.14% | 13,478 | $542K | Add +1.4% |
| CGXU Cap Group Intl Focus filed as CAPITAL GROUP INTL FOCUS EQT | 0.13% | 18,108 | $535K | Add +2.8% |
| VIG Vanguard Dividend Apprec ETF | 0.13% | 2,323 | $511K | Add +0.5% |
| REGL Prshrs S&P Mid 400 DVD Arist | 0.12% | 5,846 | $492K | Reduce -7.7% |
| VFH Vanguard Financials ETF | 0.12% | 3,685 | $492K | Add +0.4% |
| FDN First Trust DJ Internet Ind | 0.12% | 1,774 | $478K | No change |
| AVGO Broadcom Inc. | 0.12% | 1,377 | $477K | Add +21.2% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.12% | 960 | $469K | Reduce -0.1% |
| DFAU Dimensional US Core Equity M | 0.12% | 10,004 | $468K | Add +0.3% |
| QQEW First TR Nasdaq-100 Sel Eq | 0.12% | 3,248 | $462K | Reduce -4.4% |
| WFC Wells Fargo & Co. | 0.11% | 4,851 | $451K | Add +19.8% |
| LMT Lockheed Martin Corp. | 0.11% | 875 | $423K | Add +0.3% |
| LLY Eli Lilly & Co. | 0.10% | 376 | $404K | Add +7.1% |
| CGBL Cap Group Core Balanced filed as CAPITAL GROUP CORE BALANCED | 0.10% | 11,204 | $396K | Add +1.0% |
| TSLA Tesla Inc. | 0.10% | 868 | $390K | Reduce -0.1% |
| XLI SS Industrial Select Sector | 0.10% | 2,502 | $388K | Add +1.8% |
| CGCP Cap Group Core Plus Income | 0.10% | 17,110 | $387K | Reduce -2.8% |
| CGDV Cap Group Dividend Value filed as CAPITAL GROUP DIVIDEND VALUE | 0.10% | 8,874 | $387K | Add +0.4% |
| TFC Truist Financial Corp. | 0.10% | 7,804 | $384K | Add +0.6% |
| FTGC First Trust Global Tactical | 0.09% | 15,697 | $365K | Reduce -21.8% |
| TPC Tutor Perini Corp. | 0.09% | 5,360 | $359K | New |
Portfolio Sells Q3 2025 → Q4 2025
| FMC FMC Corp. | Sold out | 0.00% | −1.34 |
| CMA Comerica Inc. | Sold out | 0.00% | −1.23 |
| ENR Energizer Holdings Inc. | Reduce -71.6% | 0.19% | −0.69 |
| DOW Dow Inc. | Sold out | 0.00% | −0.42 |
| GPK Graphic Packaging Holding Co. | Reduce -0.7% | 0.90% | −0.31 |
| LYB Lyondellbasell Indu Class A | Reduce -7.4% | 0.93% | −0.24 |
| ENVX Enovix Corp. | Reduce -2.7% | 0.55% | −0.24 |
| KIM Kimco Realty Corp. | Reduce -1.4% | 1.30% | −0.16 |
| ALL Allstate Corp. | Reduce -1.9% | 1.58% | −0.13 |
| UL Unilever PLC-Sponsored ADR | Reduce -1.7% | 1.36% | −0.09 |
| CP Canadian Pacific Kansas City | Sold out | 0.00% | −0.08 |
| BA The Boeing Co. | Reduce -1.8% | 1.70% | −0.07 |
| JPM JPMorgan Chase & Co. | Reduce -2.3% | 2.24% | −0.07 |
| SPG Simon Property Group Inc. | Reduce -0.8% | 1.22% | −0.06 |
| QQQ Invesco QQQ Trust Series 1 | Sold out | 0.00% | −0.06 |
| MO Altria Group Inc. | Sold out | 0.00% | −0.05 |
| ABBV Abbvie Inc. | Reduce -0.2% | 1.12% | −0.05 |
| DFAE Dimensional Emerging Core Eq | Reduce -24.6% | 0.15% | −0.05 |
| FTGC First Trust Global Tactical | Reduce -21.8% | 0.09% | −0.04 |
| VYM Vanguard High DVD Yield ETF | Reduce -2.1% | 1.28% | −0.04 |
| VGT Vanguard Info Tech ETF | Reduce -3.7% | 0.70% | −0.04 |
| SHEL Shell PLC-ADR | Reduce -2.0% | 1.42% | −0.03 |
| IEMG iShares Core MSCI Emerging | Reduce -12.0% | 0.23% | −0.03 |
| BP BP PLC-Spons ADR | Reduce -0.5% | 0.99% | −0.03 |
| ITOT iShares Core S&P Total U.S. | Reduce -28.2% | 0.06% | −0.03 |
| DUHP Dimensional US High Profi Et | Reduce -6.0% | 0.25% | −0.02 |
| FVD First Trust Value Line DVD | Reduce -2.4% | 0.36% | −0.02 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -5.6% | 0.30% | −0.02 |
| UCON First Trust Smith Unconstrai | Reduce -18.9% | 0.07% | −0.02 |
| BAC Bank of America Corp. | Reduce -4.1% | 2.36% | −0.02 |
| REGL Prshrs S&P Mid 400 DVD Arist | Reduce -7.7% | 0.12% | −0.02 |
| XLF SS Financial Select Sector | Reduce -8.7% | 0.14% | −0.02 |
| DUK Duke Energy Corp. | Reduce -12.1% | 0.06% | −0.01 |
| SDVY First Trust Smid Cap Rising | Reduce -2.3% | 0.29% | −0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -11.9% | 0.08% | −0.01 |
| VIS Vanguard Industrials ETF | Reduce -4.4% | 0.16% | −0.01 |
| TT Trane Technologies PLC | Reduce -0.6% | 0.08% | −0.01 |
| GLW Corning Inc. | Reduce -3.9% | 2.28% | −0.01 |
| CVS CVS Health Corp. | Reduce -2.8% | 1.37% | −0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -6.3% | 0.08% | −0.01 |
| QQEW First TR Nasdaq-100 Sel Eq | Reduce -4.4% | 0.12% | −0.01 |
| CIBR First Trust Nasdaq Cybersecu | Reduce -0.8% | 0.07% | −0.01 |
| XLY SS Consumer Disc Select Sect | Reduce -0.6% | 0.17% | −0.01 |
| XLC SS Comm Select Sector SPDR | Reduce -7.1% | 0.05% | −0.01 |
| CGCP Cap Group Core Plus Income | Reduce -2.8% | 0.10% | −0.01 |
| VDC Vanguard Consumer Staple ETF | Reduce -4.7% | 0.07% | −0.01 |
| FTGS First Trust Grwth Strgth ETF | Reduce -3.3% | 0.05% | −0.00 |
| IR Ingersoll-Rand Inc. | Reduce -0.8% | 0.05% | −0.00 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -1.1% | 0.24% | −0.00 |
| MICC The Magnum Ice Cream Co. NV | Reduce -2.0% | 0.07% | −0.00 |
Portfolio Buys Q3 2025 → Q4 2025
| JBS JBS NV-A | New | 1.23% | +1.23 |
| FESM Fidelity Enhanced Small Cap | Add +33.0% | 1.20% | +0.30 |
| FBND Fidelity Total Bond ETF | Add +10.8% | 4.36% | +0.29 |
| DFAC Dimensional US Core Equity 2 | Add +5.8% | 5.07% | +0.26 |
| RDVY First Trust Rising Dividend | Add +5.8% | 4.33% | +0.25 |
| CGGR Cap Group Growth Equity | Add +12.3% | 2.19% | +0.21 |
| DFAI Dimensional International Co. | Add +3.4% | 3.74% | +0.19 |
| HGER Harbor Commodity All Weather | Add +18.7% | 1.65% | +0.16 |
| FTCS First Trust Capital Strength | Add +8.3% | 4.14% | +0.16 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +32.7% | 0.63% | +0.14 |
| INCO Columbia India Consumer ETF | Add +12.7% | 1.15% | +0.10 |
| TPC Tutor Perini Corp. | New | 0.09% | +0.09 |
| DFSV Dimensional US Small Cap Val | New | 0.09% | +0.09 |
| IJR iShares Core S&P Small-Cap E | New | 0.08% | +0.08 |
| MCD McDonald's Corp. | Add +42.5% | 0.27% | +0.08 |
| CLS Celestica Inc. | New | 0.07% | +0.07 |
| EQT Eqt Corp. | New | 0.07% | +0.07 |
| TSN Tyson Foods Inc. Class A | Add +1.8% | 1.18% | +0.07 |
| GOOG Alphabet Inc. Class C | Add +9.4% | 0.27% | +0.07 |
| MSFT Microsoft Corp. | Add +14.3% | 1.88% | +0.06 |
| QQA Invesco QQQ Income Adv ETF | New | 0.06% | +0.06 |
| BITW Bitwise 10 Crypto Index ETF | New | 0.06% | +0.06 |
| XC Wisdomtree True Emerging Mar | Add +14.3% | 1.46% | +0.06 |
| AEP American Electric Power | New | 0.05% | +0.05 |
| IBM Intl Business Machines Corp. | New | 0.05% | +0.05 |
| FFEB FT Vest US Equity Buffer ETF | New | 0.05% | +0.05 |
| QGRW Wisdomtree US Quality Growth | Add +2.4% | 2.71% | +0.04 |
| HISF First TR Hi Inc. Strat Foc | Add +9.1% | 0.75% | +0.04 |
| GOOGL Alphabet Inc. Class A | Add +4.9% | 0.16% | +0.04 |
| AMZN Amazon.com Inc. | Add +14.1% | 0.27% | +0.04 |
| IVV iShares Core S&P 500 ETF | Add +5.8% | 0.73% | +0.04 |
| LLY Eli Lilly & Co. | Add +7.1% | 0.10% | +0.03 |
| ALK Alaska Air Group Inc. | Add +4.4% | 1.29% | +0.03 |
| WFC Wells Fargo & Co. | Add +19.8% | 0.11% | +0.03 |
| AVGO Broadcom Inc. | Add +21.2% | 0.12% | +0.02 |
| SPIR Spire Global Inc. | New | 0.02% | +0.02 |
| V Visa Inc. Class A | Add +23.7% | 0.08% | +0.01 |
| NVDA Nvidia Corp. | Add +9.4% | 0.24% | +0.01 |
| XOM Exxon Mobil Corp. | Add +6.0% | 0.09% | +0.01 |
| RTX RTX Corp. | Add +5.9% | 0.06% | +0.01 |
| TFC Truist Financial Corp. | Add +0.6% | 0.10% | +0.00 |
| WMT Walmart Inc. | Add +2.4% | 0.06% | +0.00 |
| AIRR First Trust Rba American Ind | Add +1.6% | 1.35% | +0.00 |
| DFUV Dimensional US Marketwide Va | Add +0.2% | 0.22% | +0.00 |
| CGDV Cap Group Dividend Value | Add +0.4% | 0.10% | +0.00 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +0.8% | 0.23% | +0.00 |
| CGUS Cap Group Core Equity | Add +1.4% | 0.14% | +0.00 |
| CGBL Cap Group Core Balanced | Add +1.0% | 0.10% | −0.00 |
| VIGI Vanguard Int Div App Indx FD | Add +0.4% | 0.08% | −0.00 |
| CGXU Cap Group Intl Focus | Add +2.8% | 0.13% | −0.00 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 108 | $228.7M | DFAC, RDVY, FBND, FTCS, DFAI |
| Q1 2026 | 102 | $202.2M | DFAC, FBND, RDVY, FTCS, DFAI |
| Q4 2025 | 132 | $396.6M | DFAC, FBND, RDVY, FTCS, DFAI |
| Q3 2025 | 125 | $385.0M | DFAC, RDVY, FBND, FTCS, DFAI |
| Q2 2025 | 120 | $345.8M | DFAC, FBND, FTCS, RDVY, DFAI |
| Q1 2025 | 110 | $322.2M | DFAC, FBND, FTCS, RDVY, DFAI |
| Q4 2024 | 113 | $318.4M | DFAI, FTCS, FBND, DFAC, AAPL |
| Q3 2024 | 110 | $341.6M | DFAI, FTCS, FBND, DFAC, RDVY |
| Q2 2024 | 104 | $331.2M | DFAI, FTCS, FBND, DFAC, GM |
| Q1 2024 | 108 | $339.5M | DFAI, FTCS, FBND, GM, DFAC |