tru Independence LLC — Full 13F Portfolio Breakdown

CIK: 0001785445

Diversified strategyMomentum followerSector-focused

Total reported value

$202.2M

Reporting period: 2026-03-31 · Number of holdings: 102

tru Independence LLC disclosed 102 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $202.2M and a quarterly turnover rate of 70.6%.

Browse other institutions with $100M to $1B AUM Browse other institutions starting with "T"

Personality snowflake

Concentration: 20.39
Portfolio Stability: 70.59
Momentum/Contrarian: 100
Sector conviction: 90.73
Diversification: 100
Sizing Uniformity: 79.41

tru Independence LLC's disclosed holdings carry a Herfindahl concentration index of 0.051 — mathematically equivalent to about 20 equally-sized positions, well below its 102 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.

Position sizes vary widely across the portfolio (a coefficient of variation of 2.06), with a handful of outsized bets alongside many smaller positions.

No strong tilt toward either adding to existing winners or initiating outsized new positions was observed in the latest reported quarter.

Sector classification currently covers about 14% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.

Recent moves

Add DFAC
+3.9%　$407.4K
Add FBND
+4.9%　$684.6K
Add FTCS
+4.4%　$763.4K
Add RDVY
+4.1%　$402.1K
Trim BAC
-88.7%　-$8.4M
Add HGER
-12.0%　$653.0K

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	DFAC	Dimensional US Core Equity 2	ETF-Other	10.15%	+5.08%	+3.94%
2	FBND	Fidelity Total Bond ETF	ETF-Other	8.89%	+4.53%	+4.91%
3	RDVY	First Trust Rising Dividend	ETF-Other	8.69%	+4.36%	+4.12%
4	FTCS	First Trust Capital Strength	ETF-Other	8.50%	+4.36%	+4.37%
5	DFAI	Dimensional International Co	ETF-Other	7.42%	—	-0.99%
6	QGRW	Wisdomtree US Quality Growth	ETF-Other	5.26%	—	+8.53%
7	AAPL	Apple INC	Stock-Tech	4.44%	+1.82%	-7.47%
8	CGGR	Cap Group Growth Equity	ETF-Other	4.27%	—	+9.86%
9	HGER	Harbor Commodity All Weather	ETF-Commodities	3.55%	+1.90%	-11.95%
10	XC	Wisdomtree True Emerging Mar	ETF-Emerging Markets	3.17%	+1.71%	+15.37%
11	AIRR	First Trust Rba American Ind	ETF-Other	2.84%	+1.49%	-4.94%
12	FESM	Fidelity Enhanced Small Cap	ETF-Small Cap	2.47%	—	+4.61%
13	INCO	Columbia India Consumer ETF	ETF-Other	2.32%	—	+21.35%
14	HISF	First Tr Hi INC Strat Foc	ETF-Other	1.56%	—	+8.39%
15	MSFT	Microsoft CORP	Stock-Tech	1.35%	-0.53%	-52.08%
16	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	1.32%	—	-3.45%
17	JAAA	Janus Henderson Aaa Clo ETF	ETF-Other	1.32%	+0.76%	+20.52%
18	VGT	Vanguard Info Tech ETF	ETF-Tech	1.16%	+0.46%	-7.98%
19	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	1.13%	—	-3.59%
20	FVD	First Trust Value Line Dvd	ETF-Other	0.65%	—	-8.62%
21	SPYM	Ste Str Spdr Pt S&p 500 ETF	ETF-Large Cap & Growth	0.64%	—	+15.25%
22	JPM	Jpmorgan Chase & Co	Stock-Financials	0.61%	-1.63%	-84.79%
23	SDVY	First Trust Smid Cap Rising	ETF-Other	0.57%	—	-2.50%
24	VTI	Vanguard Total Stock Mkt ETF	ETF-Other	0.54%	—	+4.81%
25	MCD	Mcdonald's CORP	Stock-Consumer Disc	0.54%	—	+0.34%
26	NVDA	Nvidia CORP	Stock-Tech	0.50%	—	+14.87%
27	BAC	Bank Of America CORP	Stock-Financials	0.46%	-1.90%	-88.71%
28	AMZN	Amazon.com INC	Stock-Consumer Disc	0.46%	—	-3.12%
29	VTV	Vanguard Value ETF	ETF-Other	0.45%	—	-0.56%
30	DFUV	Dimensional US Marketwide Va	ETF-Other	0.44%	—	+0.19%
31	FDL	First Trust Morn Dvd Lead In	ETF-Other	0.43%	—	+0.05%
32	CGBL	Cap Group Core Balanced	ETF-Other	0.41%	+0.31%	+116.24%
33	IEMG	Ishares Core Msci Emerging	ETF-Emerging Markets	0.39%	—	-15.18%
34	IEFA	Ishares Core Msci Eafe ETF	ETF-Other	0.37%	—	-21.43%
35	DUHP	Dimensional US High Profi Et	ETF-Other	0.36%	—	-24.35%
36	IVW	Ishares S&p 500 Growth ETF	ETF-Large Cap & Growth	0.36%	—	+0.44%
37	EFA	Ishares Msci Eafe ETF	ETF-Other	0.35%	—	-4.87%
38	GOOGL	Alphabet Inc-cl A	Stock-Comm Services	0.32%	—	+10.48%
39	META	Meta Platforms Inc-class A	Stock-Comm Services	0.31%	-0.12%	-57.80%
40	COF	Capital One Financial CORP	Stock-Financials	0.29%	—	-0.93%
41	CGUS	Cap Group Core Equity	ETF-Other	0.28%	—	+10.32%
42	LMT	Lockheed Martin CORP	Stock-Industrials	0.27%	—	+1.71%
43	XLV	Ss Health Care Select Sector	ETF-Other	0.27%	—	-11.23%
44	XLY	Ss Consumer Disc Select Sect	ETF-Other	0.26%	—	-14.50%
45	CGXU	Cap Group Intl Focus	ETF-Other	0.26%	—	-0.52%
46	VOO	Vanguard S&p 500 ETF	ETF-Large Cap & Growth	0.26%	—	-3.62%
47	DFAE	Dimensional Emerging Core Eq	ETF-Emerging Markets	0.26%	—	-13.10%
48	REGL	Prshrs S&p Mid 400 Dvd Arist	ETF-Other	0.25%	—	-1.32%
49	XOM	Exxon Mobil CORP	Stock-Energy	0.24%	—	-3.49%
50	VIS	Vanguard Industrials ETF	ETF-Other	0.24%	—	-26.13%

1–50 of 102

Portfolio Performance

Performance for Q3 2026

+3.1%

Performance Last 4 Quarters

+14%

Based on 74% of reported portfolio value with available pricing

Stdev: +11.5%
Beta: +0.74
Alpha: -1.4%
Max Drawdown: -8%
Annualized Perf: +12.2%
Batting Avg vs S&P: +47.2%
Sortino: +1.97
Stutzer: +0.31
Treynor: +0.17
Sterling: +0.76
Calmar: +1.51
Information Ratio: -0.88
Tracking Error: +7.2%
Stdev Down: +6.2%
Winning Months %: +66.7%
Losing Months %: +33.3%
Best 12 Months: +27.9%
Worst 12 Months: +3.5%
Efficiency Ratio: +0.4
Sharpe: +1.06
Stdev Sectors: +14.9%
Skewness: +0.04
Kurtosis: -0.69
Upside Potential: +3.74

Reported value over time

Sector allocation

Sector allocation over time

Quarterly history

Period	Holdings	Total value	Stability	Top holdings
2026-03-31	102	$202.2M	71	1DFAC 2FBND 3RDVY Top holdings2026-03-31 1.DFAC 2.FBND 3.RDVY 4.FTCS 5.DFAI 6.QGRW 7.AAPL 8.CGGR 9.HGER 10.XC
2025-12-31	132	$396.6M	17	1DFAC 2FBND 3RDVY Top holdings2025-12-31 1.DFAC 2.FBND 3.RDVY 4.FTCS 5.DFAI 6.GM 7.QGRW 8.AAPL 9.BAC 10.GLW
2025-09-30	125	$385.0M	23	1DFAC 2RDVY 3FBND Top holdings2025-09-30 1.DFAC 2.RDVY 3.FBND 4.FTCS 5.DFAI 6.QGRW 7.AAPL 8.GM 9.BAC 10.JPM
2025-06-30	126	$345.8M	0	1DFAC 2FBND 3FTCS Top holdings2025-06-30 1.DFAC 2.FBND 3.FTCS 4.RDVY 5.DFAI 6.QGRW 7.BAC 8.JPM 9.AAPL 10.GM
2025-03-31	111	$322.2M	100	1DFAC 2FBND 3FTCS Top holdings2025-03-31 1.DFAC 2.FBND 3.FTCS 4.RDVY 5.DFAI 6.QGRW 7.AAPL 8.BAC 9.GM 10.T
2024-12-31	113	$318.4M	0	1DFAI 2FTCS 3FBND Top holdings2024-12-31 1.DFAI 2.FTCS 3.FBND 4.DFAC 5.AAPL 6.RDVY 7.GM 8.BAC 9.TG7 10.QGRW
2024-09-30	110	$341.6M	0	1DFAI 2FTCS 3FBND Top holdings2024-09-30 1.DFAI 2.FTCS 3.FBND 4.DFAC 5.RDVY 6.AAPL 7.BAC 8.GM 9.SPG 10.TRV
2024-06-30	104	$331.2M	0	1DFAI 2FTCS 3FBND Top holdings2024-06-30 1.DFAI 2.FTCS 3.FBND 4.DFAC 5.GM 6.BAC 7.JPM 8.RDVY 9.AAPL 10.GLW
2024-03-31	108	$339.5M	0	1DFAI 2FTCS 3FBND Top holdings2024-03-31 1.DFAI 2.FTCS 3.FBND 4.GM 5.DFAC 6.ALL 7.BAC 8.JPM 9.RDVY 10.WFC
2023-12-31	107	$329.4M	0	1DFAI 2FTCS 3BA Top holdings2023-12-31 1.DFAI 2.FTCS 3.BA 4.TG7 5.BAC 6.SPG 7.AAPL 8.GM 9.ALL 10.JPM
2023-09-30	118	$289.0M	0	1FTCS 2DFAI 3AAPL Top holdings2023-09-30 1.FTCS 2.DFAI 3.AAPL 4.BA 5.GM 6.F 7.ACI 8.BAC 9.OI 10.GLW
2023-06-30	119	$303.5M	0	1FTCS 2DFAI 3AAPL Top holdings2023-06-30 1.FTCS 2.DFAI 3.AAPL 4.F 5.BA 6.OI 7.GLW 8.BAC 9.UPS 10.ENR
2023-03-31	125	$310.3M	0	1DFAI 2FTCS 3OI Top holdings2023-03-31 1.DFAI 2.FTCS 3.OI 4.BA 5.AAPL 6.GPK 7.GLW 8.UPS 9.ENR 10.BAC
2022-12-31	120	$308.4M	0	1FTCS 2DFAI 3BA Top holdings2022-12-31 1.FTCS 2.DFAI 3.BA 4.BAC 5.SHEL 6.MRK 7.ALL 8.ENR 9.OI 10.GLW
2022-09-30	171	$283.0M	0	1CVS 2FTCS 3SHEL Top holdings2022-09-30 1.CVS 2.FTCS 3.SHEL 4.DFAI 5.BAC 6.ALL 7.AAPL 8.MRK 9.UPS 10.GLW
2022-06-30	180	$311.2M	0	1CVS 2SHEL 3MRK Top holdings2022-06-30 1.CVS 2.SHEL 3.MRK 4.UPS 5.FTCS 6.DFAI 7.BAC 8.ALL 9.GLW 10.VZ
2022-03-31	211	$369.1M	0	1TRV 2CLF 3CVS Top holdings2022-03-31 1.TRV 2.CLF 3.CVS 4.UPS 5.GLD 6.GLW 7.DFAI 8.LYB 9.ALL 10.KIM
2021-12-31	196	$366.8M	0	1IVV 2CVS 3UPS Top holdings2021-12-31 1.IVV 2.CVS 3.UPS 4.FVD 5.TFC 6.BERYEUR 7.CMA 8.GLW 9.AGG 10.GLD
2021-09-30	197	$357.5M	0	1IVV 2TFC 3CVS Top holdings2021-09-30 1.IVV 2.TFC 3.CVS 4.GLW 5.BA 6.UPS 7.CMA 8.R6C2 9.FVD 10.UL
2021-06-30	274	$339.5M	100	1GLW 2UPS 3IVV Top holdings2021-06-30 1.GLW 2.UPS 3.IVV 4.TFC 5.BA 6.CVS 7.UL 8.LYB 9.IEMG 10.FDX
2021-03-31	295	$528.5M	100	1IVV 2VEA 3VIG Top holdings2021-03-31 1.IVV 2.VEA 3.VIG 4.AGG 5.BAC 6.GLD 7.IEFA 8.GLW 9.TFC 10.BA
2020-12-31	808	$55.1B	100	1GLD 2GDX 3IEF Top holdings2020-12-31 1.GLD 2.GDX 3.IEF 4.GBTC 5.VTI 6.SLV 7.DVY 8.BIL 9.SHY 10.SHV
2020-09-30	312	$352.8M	100	1IVV 2SGOL 3SCHX Top holdings2020-09-30 1.IVV 2.SGOL 3.SCHX 4.UPS 5.SCHF 6.VIG 7.GLW 8.TFI 9.MSFT 10.SCHB
2020-06-30	957	$691.3M	100	1KMI 2XLE 3XOP Top holdings2020-06-30 1.KMI 2.XLE 3.XOP 4.PALL 5.GLD 6.MSFT 7.QCOM 8.AAPL 9.BSV 10.GILD
2020-03-31	1014	$613.3M	100	1ECON 2BMY-R 3IUSV Top holdings2020-03-31 1.ECON 2.BMY-R 3.IUSV 4.SCHF 5.XBI 6.XLE 7.CTSH 8.GILD 9.MSFT 10.KO
2019-12-31	1042	$694.9M	0	1BMY 2MSFT 3T Top holdings2019-12-31 1.BMY 2.MSFT 3.T 4.AAPL 5.KR 6.JPM 7.GM 8.INTC 9.PFE 10.GLW

Holding changes this quarter

tru Independence LLC's most significant position changes for 2026-03-31: Sold out: General Motors Co (GM); Sold out: Corning INC (GLW); Sold out: Citigroup INC (C); Sold out: Boeing Co/the (BA); Sold out: United Airlines Holdings INC (UAL).

Position changes disclosed by tru Independence LLC for the quarter ending 2026-03-31, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	DFAC	Dimensional US Core Equity 2	+5.1%	+3.94%	Add
2	FBND	Fidelity Total Bond ETF	+4.5%	+4.91%	Add
3	FTCS	First Trust Capital Strength	+4.4%	+4.37%	Add
4	RDVY	First Trust Rising Dividend	+4.4%	+4.12%	Add
5	HGER	Harbor Commodity All Weather	+1.9%	-11.95%	Trim
6	AAPL	Apple INC	+1.8%	-7.47%	Trim
7	XC	Wisdomtree True Emerging Mar	+1.7%	+15.37%	Add
8	AIRR	First Trust Rba American Ind	+1.5%	-4.94%	Trim
9	JAAA	Janus Henderson Aaa Clo ETF	+0.8%	+20.52%	Add
10	VGT	Vanguard Info Tech ETF	+0.5%	-7.98%	Trim
11	CGBL	Cap Group Core Balanced	+0.3%	+116.24%	Add
12	GOOG	Alphabet Inc-cl C	-0.1%	-54.44%	Trim
13	META	Meta Platforms Inc-class A	-0.1%	-57.80%	Trim
14	MSFT	Microsoft CORP	-0.5%	-52.08%	Trim
15	ABBV	Abbvie INC	-1%	-91.82%	Trim
16	JNJ	Johnson & Johnson	-1.1%	-94.45%	Trim
17	CVX	Chevron CORP	-1.2%	-96.35%	Trim
18	MRK	Merck & Co. INC.	-1.2%	-96.27%	Trim
19	JPM	Jpmorgan Chase & Co	-1.6%	-84.79%	Trim
20	BAC	Bank Of America CORP	-1.9%	-88.71%	Trim
21	GM	General Motors Co	—	EXIT	Sold out
22	GLW	Corning INC	—	EXIT	Sold out
23	C	Citigroup INC	—	EXIT	Sold out
24	BA	Boeing Co/the	—	EXIT	Sold out
25	UAL	United Airlines Holdings INC	—	EXIT	Sold out
26	ALL	Allstate CORP	—	EXIT	Sold out
27	FDX	Fedex CORP	—	EXIT	Sold out
28	T	At&t INC	—	EXIT	Sold out
29	F	Ford Motor Co	—	EXIT	Sold out
30	TRV	Travelers Cos Inc/the	—	EXIT	Sold out
31	CSCO	Cisco Systems INC	—	EXIT	Sold out
32	SHEL	Shell Plc-adr	—	EXIT	Sold out
33	CVS	Cvs Health CORP	—	EXIT	Sold out
34	UL	Unilever Plc-sponsored Adr	—	EXIT	Sold out
35	OI	O-i Glass INC	—	EXIT	Sold out
36	KIM	Kimco Realty CORP	—	EXIT	Sold out
37	ALK	Alaska Air Group INC	—	EXIT	Sold out
38	VYM	Vanguard High Dvd Yield ETF	—	EXIT	Sold out
39	JBS	Jbs N.v.	—	EXIT	Sold out
40	VZ	Verizon Communications INC	—	EXIT	Sold out
41	SPG	Simon Property Group INC	—	EXIT	Sold out
42	TSN	Tyson Foods Inc-cl A	—	EXIT	Sold out
43	GIS	General Mills INC	—	EXIT	Sold out
44	BP	Bp Plc-spons Adr	—	EXIT	Sold out
45	LYB	LyondellBasell Industries N.V.	—	EXIT	Sold out
46	GPK	Graphic Packaging Holding Co	—	EXIT	Sold out
47	BRX	Brixmor Property Group INC	—	EXIT	Sold out
48	ENVX	Enovix CORP	—	EXIT	Sold out
49	ENR	Energizer Holdings INC	—	EXIT	Sold out
50	RSP	Invesco S&p 500 Equal Weight	—	NEW	New buy

Filing History

Period	Filed	Type	EDGAR
2026-03-31	2026-04-22	13F-HR	View on EDGAR
2025-12-31	2026-01-22	13F-HR	View on EDGAR
2025-09-30	2025-10-23	13F-HR	View on EDGAR
2025-06-30	2025-07-15	13F-HR	View on EDGAR
2025-03-31	2025-04-30	13F-HR	View on EDGAR
2024-12-31	2025-01-22	13F-HR	View on EDGAR
2024-09-30	2024-11-04	13F-HR	View on EDGAR
2024-06-30	2024-08-06	13F-HR	View on EDGAR
2024-03-31	2024-04-18	13F-HR	View on EDGAR
2023-12-31	2024-01-10	13F-HR	View on EDGAR
2023-09-30	2023-11-08	13F-HR	View on EDGAR
2023-06-30	2023-08-14	13F-HR	View on EDGAR
2023-03-31	2023-04-25	13F-HR	View on EDGAR
2022-12-31	2023-01-30	13F-HR	View on EDGAR
2022-09-30	2022-11-03	13F-HR	View on EDGAR
2022-06-30	2022-08-04	13F-HR	View on EDGAR
2022-03-31	2022-04-28	13F-HR	View on EDGAR
2021-12-31	2022-01-21	13F-HR	View on EDGAR
2021-09-30	2021-11-12	13F-HR	View on EDGAR
2021-06-30	2021-08-03	13F-HR	View on EDGAR
2021-03-31	2021-05-20	13F-HR	View on EDGAR
2020-12-31	2021-03-09	13F-HR	View on EDGAR
2020-09-30	2020-11-19	13F-HR	View on EDGAR
2020-06-30	2020-08-19	13F-HR	View on EDGAR
2020-03-31	2020-05-19	13F-HR	View on EDGAR
2019-12-31	2020-05-19	13F-HR	View on EDGAR

FAQ

What is tru Independence LLC and what type of investor is it?

tru Independence LLC is a investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2026-03-31), the firm manages a tracked equity portfolio valued at approximately $202.2M, spread across 102 disclosed positions.

What are tru Independence LLC's largest equity positions?

Based on the latest 13F filing, tru Independence LLC's top holdings by market value are: 1. Dimensional US Core Equity 2 (DFAC) — $20.5M (10.2%) 2. Fidelity Total Bond ETF (FBND) — $18.0M (8.9%) 3. First Trust Rising Dividend (RDVY) — $17.6M (8.7%) 4. First Trust Capital Strength (FTCS) — $17.2M (8.5%) 5. Dimensional International Co (DFAI) — $15.0M (7.4%)

What changes did tru Independence LLC make in its most recent portfolio filing?

In the latest reported quarter, tru Independence LLC made 50 notable position adjustments: 1 new positions were initiated, 7 existing holdings were added to, 13 positions were partially reduced, and 29 were completely exited. The largest of these moves: Sold out: General Motors Co (GM); Sold out: Corning INC (GLW); Sold out: Citigroup INC (C); Sold out: Boeing Co/the (BA); Sold out: United Airlines Holdings INC (UAL)

What sectors does tru Independence LLC focus on?

tru Independence LLC is concentrated in the following sectors based on its current disclosed equity portfolio: • Information Technology: 49.0% • Financials: 21.2% • Consumer Discretionary: 8.7% • Communication Services: 6.3% • Health Care: 5.4% • Industrials: 4.0%

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tru Independence LLC — Full 13F Portfolio Breakdown

CIK: 0001785445

Diversified strategyMomentum followerSector-focused

Total reported value

$202.2M

Reporting period: 2026-03-31 · Number of holdings: 102

tru Independence LLC disclosed 102 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $202.2M and a quarterly turnover rate of 70.6%.

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Personality snowflake

Concentration: 20.39
Portfolio Stability: 70.59
Momentum/Contrarian: 100
Sector conviction: 90.73
Diversification: 100
Sizing Uniformity: 79.41

Position sizes vary widely across the portfolio (a coefficient of variation of 2.06), with a handful of outsized bets alongside many smaller positions.

No strong tilt toward either adding to existing winners or initiating outsized new positions was observed in the latest reported quarter.

Recent moves

Add DFAC
+3.9%　$407.4K
Add FBND
+4.9%　$684.6K
Add FTCS
+4.4%　$763.4K
Add RDVY
+4.1%　$402.1K
Trim BAC
-88.7%　-$8.4M
Add HGER
-12.0%　$653.0K

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	DFAC	Dimensional US Core Equity 2	ETF-Other	10.15%	+5.08%	+3.94%
2	FBND	Fidelity Total Bond ETF	ETF-Other	8.89%	+4.53%	+4.91%
3	RDVY	First Trust Rising Dividend	ETF-Other	8.69%	+4.36%	+4.12%
4	FTCS	First Trust Capital Strength	ETF-Other	8.50%	+4.36%	+4.37%
5	DFAI	Dimensional International Co	ETF-Other	7.42%	—	-0.99%
6	QGRW	Wisdomtree US Quality Growth	ETF-Other	5.26%	—	+8.53%
7	AAPL	Apple INC	Stock-Tech	4.44%	+1.82%	-7.47%
8	CGGR	Cap Group Growth Equity	ETF-Other	4.27%	—	+9.86%
9	HGER	Harbor Commodity All Weather	ETF-Commodities	3.55%	+1.90%	-11.95%
10	XC	Wisdomtree True Emerging Mar	ETF-Emerging Markets	3.17%	+1.71%	+15.37%
11	AIRR	First Trust Rba American Ind	ETF-Other	2.84%	+1.49%	-4.94%
12	FESM	Fidelity Enhanced Small Cap	ETF-Small Cap	2.47%	—	+4.61%
13	INCO	Columbia India Consumer ETF	ETF-Other	2.32%	—	+21.35%
14	HISF	First Tr Hi INC Strat Foc	ETF-Other	1.56%	—	+8.39%
15	MSFT	Microsoft CORP	Stock-Tech	1.35%	-0.53%	-52.08%
16	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	1.32%	—	-3.45%
17	JAAA	Janus Henderson Aaa Clo ETF	ETF-Other	1.32%	+0.76%	+20.52%
18	VGT	Vanguard Info Tech ETF	ETF-Tech	1.16%	+0.46%	-7.98%
19	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	1.13%	—	-3.59%
20	FVD	First Trust Value Line Dvd	ETF-Other	0.65%	—	-8.62%
21	SPYM	Ste Str Spdr Pt S&p 500 ETF	ETF-Large Cap & Growth	0.64%	—	+15.25%
22	JPM	Jpmorgan Chase & Co	Stock-Financials	0.61%	-1.63%	-84.79%
23	SDVY	First Trust Smid Cap Rising	ETF-Other	0.57%	—	-2.50%
24	VTI	Vanguard Total Stock Mkt ETF	ETF-Other	0.54%	—	+4.81%
25	MCD	Mcdonald's CORP	Stock-Consumer Disc	0.54%	—	+0.34%
26	NVDA	Nvidia CORP	Stock-Tech	0.50%	—	+14.87%
27	BAC	Bank Of America CORP	Stock-Financials	0.46%	-1.90%	-88.71%
28	AMZN	Amazon.com INC	Stock-Consumer Disc	0.46%	—	-3.12%
29	VTV	Vanguard Value ETF	ETF-Other	0.45%	—	-0.56%
30	DFUV	Dimensional US Marketwide Va	ETF-Other	0.44%	—	+0.19%
31	FDL	First Trust Morn Dvd Lead In	ETF-Other	0.43%	—	+0.05%
32	CGBL	Cap Group Core Balanced	ETF-Other	0.41%	+0.31%	+116.24%
33	IEMG	Ishares Core Msci Emerging	ETF-Emerging Markets	0.39%	—	-15.18%
34	IEFA	Ishares Core Msci Eafe ETF	ETF-Other	0.37%	—	-21.43%
35	DUHP	Dimensional US High Profi Et	ETF-Other	0.36%	—	-24.35%
36	IVW	Ishares S&p 500 Growth ETF	ETF-Large Cap & Growth	0.36%	—	+0.44%
37	EFA	Ishares Msci Eafe ETF	ETF-Other	0.35%	—	-4.87%
38	GOOGL	Alphabet Inc-cl A	Stock-Comm Services	0.32%	—	+10.48%
39	META	Meta Platforms Inc-class A	Stock-Comm Services	0.31%	-0.12%	-57.80%
40	COF	Capital One Financial CORP	Stock-Financials	0.29%	—	-0.93%
41	CGUS	Cap Group Core Equity	ETF-Other	0.28%	—	+10.32%
42	LMT	Lockheed Martin CORP	Stock-Industrials	0.27%	—	+1.71%
43	XLV	Ss Health Care Select Sector	ETF-Other	0.27%	—	-11.23%
44	XLY	Ss Consumer Disc Select Sect	ETF-Other	0.26%	—	-14.50%
45	CGXU	Cap Group Intl Focus	ETF-Other	0.26%	—	-0.52%
46	VOO	Vanguard S&p 500 ETF	ETF-Large Cap & Growth	0.26%	—	-3.62%
47	DFAE	Dimensional Emerging Core Eq	ETF-Emerging Markets	0.26%	—	-13.10%
48	REGL	Prshrs S&p Mid 400 Dvd Arist	ETF-Other	0.25%	—	-1.32%
49	XOM	Exxon Mobil CORP	Stock-Energy	0.24%	—	-3.49%
50	VIS	Vanguard Industrials ETF	ETF-Other	0.24%	—	-26.13%

1–50 of 102

Portfolio Performance

Performance for Q3 2026

+3.1%

Performance Last 4 Quarters

+14%

Based on 74% of reported portfolio value with available pricing

Stdev: +11.5%
Beta: +0.74
Alpha: -1.4%
Max Drawdown: -8%
Annualized Perf: +12.2%
Batting Avg vs S&P: +47.2%
Sortino: +1.97
Stutzer: +0.31
Treynor: +0.17
Sterling: +0.76
Calmar: +1.51
Information Ratio: -0.88
Tracking Error: +7.2%
Stdev Down: +6.2%
Winning Months %: +66.7%
Losing Months %: +33.3%
Best 12 Months: +27.9%
Worst 12 Months: +3.5%
Efficiency Ratio: +0.4
Sharpe: +1.06
Stdev Sectors: +14.9%
Skewness: +0.04
Kurtosis: -0.69
Upside Potential: +3.74

Reported value over time

Sector allocation

Sector allocation over time

Quarterly history

Period	Holdings	Total value	Stability	Top holdings
2026-03-31	102	$202.2M	71	1DFAC 2FBND 3RDVY Top holdings2026-03-31 1.DFAC 2.FBND 3.RDVY 4.FTCS 5.DFAI 6.QGRW 7.AAPL 8.CGGR 9.HGER 10.XC
2025-12-31	132	$396.6M	17	1DFAC 2FBND 3RDVY Top holdings2025-12-31 1.DFAC 2.FBND 3.RDVY 4.FTCS 5.DFAI 6.GM 7.QGRW 8.AAPL 9.BAC 10.GLW
2025-09-30	125	$385.0M	23	1DFAC 2RDVY 3FBND Top holdings2025-09-30 1.DFAC 2.RDVY 3.FBND 4.FTCS 5.DFAI 6.QGRW 7.AAPL 8.GM 9.BAC 10.JPM
2025-06-30	126	$345.8M	0	1DFAC 2FBND 3FTCS Top holdings2025-06-30 1.DFAC 2.FBND 3.FTCS 4.RDVY 5.DFAI 6.QGRW 7.BAC 8.JPM 9.AAPL 10.GM
2025-03-31	111	$322.2M	100	1DFAC 2FBND 3FTCS Top holdings2025-03-31 1.DFAC 2.FBND 3.FTCS 4.RDVY 5.DFAI 6.QGRW 7.AAPL 8.BAC 9.GM 10.T
2024-12-31	113	$318.4M	0	1DFAI 2FTCS 3FBND Top holdings2024-12-31 1.DFAI 2.FTCS 3.FBND 4.DFAC 5.AAPL 6.RDVY 7.GM 8.BAC 9.TG7 10.QGRW
2024-09-30	110	$341.6M	0	1DFAI 2FTCS 3FBND Top holdings2024-09-30 1.DFAI 2.FTCS 3.FBND 4.DFAC 5.RDVY 6.AAPL 7.BAC 8.GM 9.SPG 10.TRV
2024-06-30	104	$331.2M	0	1DFAI 2FTCS 3FBND Top holdings2024-06-30 1.DFAI 2.FTCS 3.FBND 4.DFAC 5.GM 6.BAC 7.JPM 8.RDVY 9.AAPL 10.GLW
2024-03-31	108	$339.5M	0	1DFAI 2FTCS 3FBND Top holdings2024-03-31 1.DFAI 2.FTCS 3.FBND 4.GM 5.DFAC 6.ALL 7.BAC 8.JPM 9.RDVY 10.WFC
2023-12-31	107	$329.4M	0	1DFAI 2FTCS 3BA Top holdings2023-12-31 1.DFAI 2.FTCS 3.BA 4.TG7 5.BAC 6.SPG 7.AAPL 8.GM 9.ALL 10.JPM
2023-09-30	118	$289.0M	0	1FTCS 2DFAI 3AAPL Top holdings2023-09-30 1.FTCS 2.DFAI 3.AAPL 4.BA 5.GM 6.F 7.ACI 8.BAC 9.OI 10.GLW
2023-06-30	119	$303.5M	0	1FTCS 2DFAI 3AAPL Top holdings2023-06-30 1.FTCS 2.DFAI 3.AAPL 4.F 5.BA 6.OI 7.GLW 8.BAC 9.UPS 10.ENR
2023-03-31	125	$310.3M	0	1DFAI 2FTCS 3OI Top holdings2023-03-31 1.DFAI 2.FTCS 3.OI 4.BA 5.AAPL 6.GPK 7.GLW 8.UPS 9.ENR 10.BAC
2022-12-31	120	$308.4M	0	1FTCS 2DFAI 3BA Top holdings2022-12-31 1.FTCS 2.DFAI 3.BA 4.BAC 5.SHEL 6.MRK 7.ALL 8.ENR 9.OI 10.GLW
2022-09-30	171	$283.0M	0	1CVS 2FTCS 3SHEL Top holdings2022-09-30 1.CVS 2.FTCS 3.SHEL 4.DFAI 5.BAC 6.ALL 7.AAPL 8.MRK 9.UPS 10.GLW
2022-06-30	180	$311.2M	0	1CVS 2SHEL 3MRK Top holdings2022-06-30 1.CVS 2.SHEL 3.MRK 4.UPS 5.FTCS 6.DFAI 7.BAC 8.ALL 9.GLW 10.VZ
2022-03-31	211	$369.1M	0	1TRV 2CLF 3CVS Top holdings2022-03-31 1.TRV 2.CLF 3.CVS 4.UPS 5.GLD 6.GLW 7.DFAI 8.LYB 9.ALL 10.KIM
2021-12-31	196	$366.8M	0	1IVV 2CVS 3UPS Top holdings2021-12-31 1.IVV 2.CVS 3.UPS 4.FVD 5.TFC 6.BERYEUR 7.CMA 8.GLW 9.AGG 10.GLD
2021-09-30	197	$357.5M	0	1IVV 2TFC 3CVS Top holdings2021-09-30 1.IVV 2.TFC 3.CVS 4.GLW 5.BA 6.UPS 7.CMA 8.R6C2 9.FVD 10.UL
2021-06-30	274	$339.5M	100	1GLW 2UPS 3IVV Top holdings2021-06-30 1.GLW 2.UPS 3.IVV 4.TFC 5.BA 6.CVS 7.UL 8.LYB 9.IEMG 10.FDX
2021-03-31	295	$528.5M	100	1IVV 2VEA 3VIG Top holdings2021-03-31 1.IVV 2.VEA 3.VIG 4.AGG 5.BAC 6.GLD 7.IEFA 8.GLW 9.TFC 10.BA
2020-12-31	808	$55.1B	100	1GLD 2GDX 3IEF Top holdings2020-12-31 1.GLD 2.GDX 3.IEF 4.GBTC 5.VTI 6.SLV 7.DVY 8.BIL 9.SHY 10.SHV
2020-09-30	312	$352.8M	100	1IVV 2SGOL 3SCHX Top holdings2020-09-30 1.IVV 2.SGOL 3.SCHX 4.UPS 5.SCHF 6.VIG 7.GLW 8.TFI 9.MSFT 10.SCHB
2020-06-30	957	$691.3M	100	1KMI 2XLE 3XOP Top holdings2020-06-30 1.KMI 2.XLE 3.XOP 4.PALL 5.GLD 6.MSFT 7.QCOM 8.AAPL 9.BSV 10.GILD
2020-03-31	1014	$613.3M	100	1ECON 2BMY-R 3IUSV Top holdings2020-03-31 1.ECON 2.BMY-R 3.IUSV 4.SCHF 5.XBI 6.XLE 7.CTSH 8.GILD 9.MSFT 10.KO
2019-12-31	1042	$694.9M	0	1BMY 2MSFT 3T Top holdings2019-12-31 1.BMY 2.MSFT 3.T 4.AAPL 5.KR 6.JPM 7.GM 8.INTC 9.PFE 10.GLW

Holding changes this quarter

Position changes disclosed by tru Independence LLC for the quarter ending 2026-03-31, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	DFAC	Dimensional US Core Equity 2	+5.1%	+3.94%	Add
2	FBND	Fidelity Total Bond ETF	+4.5%	+4.91%	Add
3	FTCS	First Trust Capital Strength	+4.4%	+4.37%	Add
4	RDVY	First Trust Rising Dividend	+4.4%	+4.12%	Add
5	HGER	Harbor Commodity All Weather	+1.9%	-11.95%	Trim
6	AAPL	Apple INC	+1.8%	-7.47%	Trim
7	XC	Wisdomtree True Emerging Mar	+1.7%	+15.37%	Add
8	AIRR	First Trust Rba American Ind	+1.5%	-4.94%	Trim
9	JAAA	Janus Henderson Aaa Clo ETF	+0.8%	+20.52%	Add
10	VGT	Vanguard Info Tech ETF	+0.5%	-7.98%	Trim
11	CGBL	Cap Group Core Balanced	+0.3%	+116.24%	Add
12	GOOG	Alphabet Inc-cl C	-0.1%	-54.44%	Trim
13	META	Meta Platforms Inc-class A	-0.1%	-57.80%	Trim
14	MSFT	Microsoft CORP	-0.5%	-52.08%	Trim
15	ABBV	Abbvie INC	-1%	-91.82%	Trim
16	JNJ	Johnson & Johnson	-1.1%	-94.45%	Trim
17	CVX	Chevron CORP	-1.2%	-96.35%	Trim
18	MRK	Merck & Co. INC.	-1.2%	-96.27%	Trim
19	JPM	Jpmorgan Chase & Co	-1.6%	-84.79%	Trim
20	BAC	Bank Of America CORP	-1.9%	-88.71%	Trim
21	GM	General Motors Co	—	EXIT	Sold out
22	GLW	Corning INC	—	EXIT	Sold out
23	C	Citigroup INC	—	EXIT	Sold out
24	BA	Boeing Co/the	—	EXIT	Sold out
25	UAL	United Airlines Holdings INC	—	EXIT	Sold out
26	ALL	Allstate CORP	—	EXIT	Sold out
27	FDX	Fedex CORP	—	EXIT	Sold out
28	T	At&t INC	—	EXIT	Sold out
29	F	Ford Motor Co	—	EXIT	Sold out
30	TRV	Travelers Cos Inc/the	—	EXIT	Sold out
31	CSCO	Cisco Systems INC	—	EXIT	Sold out
32	SHEL	Shell Plc-adr	—	EXIT	Sold out
33	CVS	Cvs Health CORP	—	EXIT	Sold out
34	UL	Unilever Plc-sponsored Adr	—	EXIT	Sold out
35	OI	O-i Glass INC	—	EXIT	Sold out
36	KIM	Kimco Realty CORP	—	EXIT	Sold out
37	ALK	Alaska Air Group INC	—	EXIT	Sold out
38	VYM	Vanguard High Dvd Yield ETF	—	EXIT	Sold out
39	JBS	Jbs N.v.	—	EXIT	Sold out
40	VZ	Verizon Communications INC	—	EXIT	Sold out
41	SPG	Simon Property Group INC	—	EXIT	Sold out
42	TSN	Tyson Foods Inc-cl A	—	EXIT	Sold out
43	GIS	General Mills INC	—	EXIT	Sold out
44	BP	Bp Plc-spons Adr	—	EXIT	Sold out
45	LYB	LyondellBasell Industries N.V.	—	EXIT	Sold out
46	GPK	Graphic Packaging Holding Co	—	EXIT	Sold out
47	BRX	Brixmor Property Group INC	—	EXIT	Sold out
48	ENVX	Enovix CORP	—	EXIT	Sold out
49	ENR	Energizer Holdings INC	—	EXIT	Sold out
50	RSP	Invesco S&p 500 Equal Weight	—	NEW	New buy

Filing History

Period	Filed	Type	EDGAR
2026-03-31	2026-04-22	13F-HR	View on EDGAR
2025-12-31	2026-01-22	13F-HR	View on EDGAR
2025-09-30	2025-10-23	13F-HR	View on EDGAR
2025-06-30	2025-07-15	13F-HR	View on EDGAR
2025-03-31	2025-04-30	13F-HR	View on EDGAR
2024-12-31	2025-01-22	13F-HR	View on EDGAR
2024-09-30	2024-11-04	13F-HR	View on EDGAR
2024-06-30	2024-08-06	13F-HR	View on EDGAR
2024-03-31	2024-04-18	13F-HR	View on EDGAR
2023-12-31	2024-01-10	13F-HR	View on EDGAR
2023-09-30	2023-11-08	13F-HR	View on EDGAR
2023-06-30	2023-08-14	13F-HR	View on EDGAR
2023-03-31	2023-04-25	13F-HR	View on EDGAR
2022-12-31	2023-01-30	13F-HR	View on EDGAR
2022-09-30	2022-11-03	13F-HR	View on EDGAR
2022-06-30	2022-08-04	13F-HR	View on EDGAR
2022-03-31	2022-04-28	13F-HR	View on EDGAR
2021-12-31	2022-01-21	13F-HR	View on EDGAR
2021-09-30	2021-11-12	13F-HR	View on EDGAR
2021-06-30	2021-08-03	13F-HR	View on EDGAR
2021-03-31	2021-05-20	13F-HR	View on EDGAR
2020-12-31	2021-03-09	13F-HR	View on EDGAR
2020-09-30	2020-11-19	13F-HR	View on EDGAR
2020-06-30	2020-08-19	13F-HR	View on EDGAR
2020-03-31	2020-05-19	13F-HR	View on EDGAR
2019-12-31	2020-05-19	13F-HR	View on EDGAR