Q3 2026 13F · SEC CIK 1785445

tru Independence LLC

Investment managerFiled 2026-10-20 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $233.9M
Reported positions: 109
Top holdings a year, 3 yrs: +19.1%
Average holding period: 3.5 yrs

tru Independence LLC is an investment manager that reported 109 positions worth $233.9M in its Q3 2026 13F, filed 2026-10-20. Its largest holdings were Dimensional ETF Trust (DFAC, 10.3%), First Tr Exchange Traded Fd (RDVY, 8.7%), Fidelity Merrimack Str Tr (FBND, 8.4%). A portfolio copying its top holdings returned 19.1% a year over the last 3 years, against 22.3% for the S&P 500.

tru Independence LLC holdings largest 50 of 109 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

tru Independence LLC 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
DFACDimensional ETF Trust	10.3%	10.4%	541,700	+1.3%	$24.1M
RDVYFirst Tr Exchange Traded Fd	8.7%	9.2%	258,466	-0.8%	$20.2M
FBNDFidelity Merrimack Str Tr	8.4%	8.7%	455,303	+4.5%	$19.7M
FTCSFirst Tr Exchange-Traded Fd	8.2%	8.2%	204,291	+2.6%	$19.2M
DFAIDimensional ETF Trust	7.0%	7.0%	397,000	+2.4%	$16.4M
QGRWWisdomtree Tr	5.8%	5.7%	198,033	+1.0%	$13.6M
AAPLApple Inc	5.1%	4.5%	35,600	+0.5%	$11.9M
CGGRCapital Group Growth ETF	4.7%	4.6%	231,237	+3.4%	$11.0M
HGERHarbor ETF Trust	3.6%	3.2%	239,625	-2.8%	$8.4M
XCWisdomtree Tr	3.0%	3.0%	232,439	+6.3%	$7.1M
AIRRFirst Tr Exchange Traded Fd	2.6%	3.0%	58,874	+13.5%	$6.1M
FESMFidelity Covington Trust	2.4%	2.6%	125,308	+2.2%	$5.6M
INCOColumbia ETF Tr II	2.4%	2.4%	95,324	+4.5%	$5.5M
MSFTMicrosoft Corp	1.6%	1.2%	7,504	+2.3%	$3.8M
HISFFirst Tr Exchange-Traded Fd	1.4%	1.5%	78,191	+2.8%	$3.3M
VGTVanguard World Fd	1.4%	1.4%	26,018	+0.1%	$3.3M
IVVIshares Tr	1.3%	1.3%	3,945	-1.8%	$3.0M
JAAAJanus Detroit Str Tr	1.2%	1.2%	55,972	-0.8%	$2.8M
BRK-BBerkshire Hathaway Inc Del	1.0%	1.0%	4,765	+0.6%	$2.4M
NVDANvidia Corporation	0.7%	0.5%	6,843	+14.5%	$1.6M
SPLGSpdr Series Trust	0.6%	0.6%	16,643	-1.1%	$1.5M
VTIVanguard Index Fds	0.5%	0.6%	3,396	-0.9%	$1.3M
BACBank of Amer Corp	0.5%	0.5%	22,528	+20.8%	$1.2M
AMZNAmazon Com Inc	0.5%	0.5%	4,876	+8.0%	$1.2M
SDVYFirst Tr Exchange Traded Fd	0.5%	0.5%	28,943	+0.1%	$1.2M
FVDFirst Tr Exchange-Traded Fd	0.5%	0.5%	24,831	-4.6%	$1.2M
JPMJpmorgan Chase & Co	0.5%	0.5%	3,407	-4.4%	$1.1M
VTVVanguard Index Fds	0.4%	0.4%	4,680	+0.4%	$1.0M
DFUVDimensional ETF Trust	0.4%	0.4%	18,000	-2.7%	$990K
CGBLCapital Group Core Balanced	0.4%	0.4%	24,404	-3.0%	$897K
IVWIshares Tr	0.4%	0.4%	6,284	+0.0%	$894K
ESGUIshares Tr	0.4%	—	5,325	—	$888K
IEMGIshares Inc	0.4%	0.4%	10,716	-0.3%	$870K
FDLFirst Tr Exchange-Traded Fd	0.4%	0.4%	17,102	+0.1%	$840K
METAMeta Platforms Inc	0.4%	0.3%	1,157	+4.6%	$839K
GOOGLAlphabet Inc	0.3%	0.4%	2,359	+1.5%	$812K
MCDMcdonalds Corp	0.3%	0.4%	3,478	-1.6%	$803K
EFAIshares Tr	0.3%	0.3%	7,218	-0.8%	$750K
IEFAIshares Tr	0.3%	0.3%	7,614	-0.3%	$738K
GOOGAlphabet Inc	0.3%	0.2%	1,869	+19.3%	$637K
CGUSCapital Group Core Equity Et	0.3%	0.3%	14,118	-1.3%	$628K
CGXUCapital Group Intl Focus Eqt	0.3%	0.3%	18,154	+0.8%	$622K
VOOVanguard Index Fds	0.3%	0.3%	865	-2.3%	$607K
AVGOBroadcom Inc	0.2%	0.3%	1,643	+6.8%	$577K
COFCapital One Finl Corp	0.2%	0.3%	2,981	-6.8%	$576K
DFAEDimensional ETF Trust	0.2%	0.3%	14,567	-0.7%	$573K
XLVSelect Sector Spdr Tr	0.2%	0.2%	3,288	+0.3%	$554K
VUGVanguard Index Fds	0.2%	—	5,895	—	$531K
DFAUDimensional ETF Trust	0.2%	0.2%	10,051	+0.2%	$526K
QQEWFirst Tr Exchange-Traded Fd	0.2%	—	3,225	—	$525K

What tru Independence LLC bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Added to

BAC Bank of Amer Corp+20.8% shares
GOOG Alphabet Inc+19.3% shares
NVDA Nvidia Corporation+14.5% shares
AIRR First Tr Exchange Traded Fd+13.5% shares
AMZN Amazon Com Inc+8.0% shares
AVGO Broadcom Inc+6.8% shares
XC Wisdomtree Tr+6.3% shares

Reduced

COF Capital One Finl Corp-6.8% shares

Left the top 50

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +15.4% /yr; S&P 500 +11.7%
3 years: +19.1% /yr; S&P 500 +22.3%
5 years: +5.5% /yr; S&P 500 +10.6%

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$233.9M	109
Q2 2026	$228.7M	108
Q1 2026	$202.2M	102
Q4 2025	$396.6M	132
Q3 2025	$385.0M	125
Q2 2025	$345.8M	120
Q1 2025	$322.2M	110
Q4 2024	$318.4M	113
Q3 2024	$341.6M	110
Q2 2024	$331.2M	104
Q1 2024	$339.5M	108
Q4 2023	$329.4M	107

Questions about tru Independence LLC's portfolio

What stocks does tru Independence LLC own?

tru Independence LLC's latest 13F, for Q3 2026 and filed Oct 20, 2026, lists 109 positions worth $233.9M. The largest are Dimensional ETF Trust (DFAC) at 10.3%, First Tr Exchange Traded Fd (RDVY) at 8.7%, Fidelity Merrimack Str Tr (FBND) at 8.4%, First Tr Exchange-Traded Fd (FTCS) at 8.2% and Dimensional ETF Trust (DFAI) at 7.0%.

What did tru Independence LLC buy last quarter?

In Q3 2026, tru Independence LLC added Bank of Amer Corp (BAC) (+20.8% shares), Alphabet Inc (GOOG) (+19.3% shares) and Nvidia Corporation (NVDA) (+14.5% shares), compared with its Q2 2026 filing.

What did tru Independence LLC sell last quarter?

In Q3 2026, tru Independence LLC cut from its top 50 Dimensional ETF Trust (DUHP), cut from its top 50 Vanguard Industrials ETF (VIS), cut from its top 50 Select Sector Spdr Tr (XLY) and Capital One Finl Corp (COF) (-6.8% shares), compared with its Q2 2026 filing.

How has tru Independence LLC's portfolio performed?

A portfolio copying tru Independence LLC's 20 largest 13F holdings each quarter, from the day each filing was public, returned +19.1% a year over the last 3 years, against +22.3% for the S&P 500. Over 1 year: +15.4% against +11.7%. Over 5 years: +5.5% a year against +10.6%.

When is tru Independence LLC's next 13F filing due?

13F filings are due 45 days after each quarter ends. tru Independence LLC's filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.