tru Independence LLC

Name: tru Independence LLC 13F holdings, Q4 2025
Creator: tru Independence LLC
Published: 2026-01-22

Q2 2026Q1 2026Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024

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
XOM Exxon Mobil Corp.	0.09%	2,980	$359K	Add +6.0%
DFSV Dimensional US Small Cap Val	0.09%	10,514	$346K	New
TT Trane Technologies PLC	0.08%	865	$337K	Reduce -0.6%
SPY SS SPDR S&P 500 ETF Trust-US	0.08%	490	$334K	Reduce -11.9%
VIGI Vanguard Int Div App Indx FD	0.08%	3,633	$332K	Add +0.4%
V Visa Inc. Class A	0.08%	882	$309K	Add +23.7%
VO Vngrd Mrngstr MD-Cap ETF-Usd	0.08%	1,036	$301K	Reduce -6.3%
IJR iShares Core S&P Small-Cap E	0.08%	2,494	$300K	New
CLS Celestica Inc.	0.07%	1,005	$297K	New
EQT Eqt Corp.	0.07%	5,497	$295K	New
MICC The Magnum Ice Cream Co. NV	0.07%	18,469	$293K	Reduce -2.0%
UCON First Trust Smith Unconstrai	0.07%	11,111	$280K	Reduce -18.9%
ORCL Oracle Corp.	0.07%	1,364	$266K	Add +9.0%
VDC Vanguard Consumer Staple ETF	0.07%	1,248	$264K	Reduce -4.7%
AOA iShares Core 80/20 Aggressiv	0.07%	2,934	$263K	Add +0.3%
CIBR First Trust Nasdaq Cybersecu	0.07%	3,637	$260K	Reduce -0.8%
ITOT iShares Core S&P Total U.S.	0.06%	1,716	$255K	Reduce -28.2%
RTX RTX Corp.	0.06%	1,355	$248K	Add +5.9%
TDIV FT Nasdaq Tech DVD Index FD	0.06%	2,541	$246K	Reduce -0.4%
CAT Caterpillar Inc.	0.06%	423	$243K	No change
WMT Walmart Inc.	0.06%	2,130	$237K	Add +2.4%
FPX First Trust US Equity Opport	0.06%	1,430	$234K	Add +0.1%
DUK Duke Energy Corp.	0.06%	1,940	$227K	Reduce -12.1%
QQA Invesco QQQ Income Adv ETF	0.06%	368	$226K	New
BITW Bitwise 10 Crypto Index ETF	0.06%	3,784	$222K	New
XLC SS Comm Select Sector SPDR	0.05%	1,846	$217K	Reduce -7.1%
AEP American Electric Power	0.05%	1,852	$214K	New
FTGS First Trust Grwth Strgth ETF	0.05%	6,009	$212K	Reduce -3.3%
IR Ingersoll-Rand Inc.	0.05%	2,643	$209K	Reduce -0.8%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS	0.05%	690	$204K	New
FFEB FT Vest US Equity Buffer ETF	0.05%	3,546	$201K	New
SPIR Spire Global Inc.	0.02%	10,575	$79K	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