tru Independence LLC

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CIK 1785445

13F portfolio (2026-Q1)

$202M

Positions

102

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-Q4. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

Open in PORT →

As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2026-Q1)

Holdings

102

Top 5

43.7%

Top 10

64.3%

Effective N

19.6

HHI

0.051

This quarter

7 new · 0 exit →

By sector

Unclassified85.2%

Information Technology6.9%

Financials3.0%

Consumer Discretionary1.4%

Communication Services0.9%

Industrials0.9%

Health Care0.7%

Energy0.5%

Other0.5%

By market cap

Unknown85.3%

Mega (>$200B)12.2%

Large ($10–200B)2.3%

Mid ($2–10B)0.2%

By region

Other85.2%

North America14.8%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	86.28%	64
Technology Hardware & Equipment	4.62%	2
Banks	1.78%	5
Software	1.45%	2
Semiconductors & Semiconductor Equipment	0.87%	3
Software & IT Services	0.85%	3
Pharmaceuticals & Biotechnology	0.73%	5
Specialty Retail	0.71%	3
Oil, Gas & Consumable Fuels	0.54%	3
Hotels, Restaurants & Leisure	0.54%	1
Aerospace & Defense	0.40%	2
Machinery	0.25%	2
Utilities	0.24%	2
Construction & Engineering	0.20%	1
Automobiles & Components	0.17%	1
Commercial Services & Supplies	0.14%	1
Beverages	0.11%	1
Tobacco	0.11%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	DFAC	DIMENSIONAL ETF TRUST	Unclassified	10.15%
2	FBND	FIDELITY TOTAL BOND ETF	Unclassified	8.89%
3	RDVY	FIRST TR EXCHANGE TRADED FD	Unclassified	8.69%
4	FTCS	FIRST TR EXCHANGE-TRADED FD	Unclassified	8.50%
5	DFAI	DIMENSIONAL ETF TRUST	Unclassified	7.42%
6	QGRW	WISDOMTREE TR	Unclassified	5.26%
7	AAPL	Apple Inc.	Information Technology	4.44%
8	CGGR	CAPITAL GROUP GROWTH ETF	Unclassified	4.27%
9	HGER	HARBOR ETF TRUST	Unclassified	3.55%
10	XC	WISDOMTREE TR	Unclassified	3.17%

39/102 names classified · sector 14.8% of weight · industry 13.7% · mkt cap 14.7%; unclassified names shown, never dropped.

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

top 5/sector, rest → “Other” · 26 quarters

MaterialsGLW, LYB, OI, GPK, CLF · other

FinancialsBAC, JPM, ALL, TRV, TFC · other

Information TechnologyAAPL, MSFT, ENR, INTC, CTSH · other

IndustrialsBA, FDX, UPS, UAL, ALK · other

Health CareMRK, ABBV, PFE, BMY, GILD · other

Consumer StaplesCVS, TSN, ACI, KR, KO · other

Consumer DiscretionaryGM, F, MCD, TSLA, HD · other

Real EstateKIM, SPG, BRX, BDN, WY · other

Communication ServicesT, VZ, META, GOOGL, GOOG · other

EnergySHEL, BP, CVX, XOM, EQT · other

UtilitiesKMI, DUK, NEE, DTE, EPD · other

UnclassifiedDFAC, FBND, GLD, GDX, ECON · other

Sector is classified on each name's CURRENT fundamentals, not point-in-time — apparent sector drift can reflect the market re-rating a holding, not a manager trade. 13F is a lagged quarterly snapshot of long positions in US-listed securities only — foreign companies held via a US listing or ADR ARE included, but shares listed only on non-US exchanges (plus shorts, options and cash) are not. Latest quarter: 14.8% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 14% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (37 classified)tru Independence LLC centroid (Large Core)

Information TechnologyFinancialsConsumer DiscretionaryCommunication ServicesIndustrialsHealth CareEnergyUtilitiesConsumer Staples

Style box summary for tru Independence LLC: centroid Large Core. Heaviest cells: Large Growth 8.7%, Large Value 2.6%, Large Core 1.5%.

Classified: 13.6% of book weight (37/102 names) · unclassified 86.4%: DFAC, FBND, RDVY, FTCS, DFAI, QGRW, CGGR, HGER, XC, AIRR +55 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 102 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	DFACDIMENSIONAL ETF TRUST	528,063	$21M	10.1%	ADD 4%
2	FBNDFIDELITY TOTAL BOND ETF	394,207	$18M	8.9%	ADD 5%
3	RDVYFIRST TR EXCHANGE TRADED FD	257,442	$18M	8.7%	ADD 4%
4	FTCSFIRST TR EXCHANGE-TRADED FD	185,321	$17M	8.5%	ADD 4%
5	DFAIDIMENSIONAL ETF TRUST	385,357	$15M	7.4%	HOLD
6	QGRWWISDOMTREE TR	199,034	$11M	5.3%	ADD 9%
7	AAPLAPPLE INC	35,352	$9M	4.4%	TRIM −7%
8	CGGRCAPITAL GROUP GROWTH ETF	214,628	$9M	4.3%	ADD 10%
9	HGERHARBOR ETF TRUST	231,524	$7M	3.6%	TRIM −12%
10	XCWISDOMTREE TR	205,292	$6M	3.2%	ADD 15%
11	AIRRFirst Trust RBA Amern Indl Renaissance ETF	51,836	$6M	2.8%	TRIM −5%
12	FESMFIDELITY COVINGTON TRUST	131,354	$5M	2.5%	ADD 5%
13	INCOCOLUMBIA ETF TR II	85,265	$5M	2.3%	ADD 21%
14	HISFFIRST TR EXCHANGE-TRADED FD	70,968	$3M	1.6%	ADD 8%
15	MSFTMICROSOFT CORP	7,376	$3M	1.4%	TRIM −52%
16	IVVISHARES TR	4,091	$3M	1.3%	TRIM −3%
17	JAAAJANUS DETROIT STR TR	52,951	$3M	1.3%	ADD 21%
18	VGTVANGUARD WORLD FD	3,368	$2M	1.2%	TRIM −8%
19	BRK.BBERKSHIRE HATHAWAY INC DEL	4,784	$2M	1.1%	TRIM −4%
20	FVDFIRST TR EXCHANGE-TRADED FD	27,989	$1M	0.7%	TRIM −9%
21	SPYMSPDR SERIES TRUST	17,000	$1M	0.6%	ADD 15%
22	JPMJPMORGAN CHASE & CO	4,200	$1M	0.6%	TRIM −85%
23	SDVYFIRST TR EXCHANGE TRADED FD	29,137	$1M	0.6%	TRIM −2%
24	VTIVANGUARD INDEX FDS	3,419	$1M	0.5%	ADD 5%
25	MCDMCDONALDS CORP	3,490	$1M	0.5%	HOLD
26	NVDANVIDIA CORPORATION	5,803	$1M	0.5%	ADD 15%
27	BACBANK AMERICA CORP	19,175	$934,800	0.5%	TRIM −89%
28	AMZNAMAZON COM INC	4,466	$930,134	0.5%	TRIM −3%
29	VTVVANGUARD INDEX FDS	4,647	$911,654	0.5%	HOLD
30	DFUVDIMENSIONAL ETF TRUST	18,457	$894,414	0.4%	HOLD
31	FDLFirst Trust Morningstar Div Leaders ETF	17,111	$869,250	0.4%	HOLD
32	CGBLCAPITAL GROUP CORE BALANCED	24,227	$833,665	0.4%	ADD 116%
33	IEMGISHARES INC	11,325	$789,887	0.4%	TRIM −15%
34	IEFAISHARES TR	8,210	$743,213	0.4%	TRIM −21%
35	DUHPDIMENSIONAL ETF TRUST	19,894	$731,293	0.4%	TRIM −24%
36	IVWISHARES TR	6,431	$727,465	0.4%	HOLD
37	EFAISHARES TR	7,305	$709,528	0.4%	TRIM −5%
38	GOOGLALPHABET INC	2,267	$651,958	0.3%	ADD 10%
39	METAMETA PLATFORMS INC	1,096	$626,984	0.3%	TRIM −58%
40	COFCAPITAL ONE FINL CORP	3,187	$581,321	0.3%	HOLD
41	CGUSCAPITAL GROUP CORE EQUITY ET	14,869	$571,263	0.3%	ADD 10%
42	LMTLOCKHEED MARTIN CORP	890	$538,086	0.3%	HOLD
43	XLVSELECT SECTOR SPDR TR	3,660	$536,627	0.3%	TRIM −11%
44	XLYSELECT SECTOR SPDR TR	4,875	$531,242	0.3%	TRIM −15%
45	CGXUCapital Group International Focus - ETF	18,014	$531,223	0.3%	HOLD
46	VOOVANGUARD INDEX FDS	878	$524,851	0.3%	TRIM −4%
47	DFAEDIMENSIONAL ETF TRUST	15,348	$519,694	0.3%	TRIM −13%
48	REGLPROSHARES TR	5,769	$498,485	0.2%	HOLD
49	XOMEXXON MOBIL CORP	2,876	$487,919	0.2%	TRIM −3%
50	VISVANGUARD WORLD FD	1,549	$483,753	0.2%	TRIM −26%
51	WFCWELLS FARGO CO NEW	6,041	$479,837	0.2%	ADD 25%
52	AVGOBROADCOM INC	1,526	$472,304	0.2%	ADD 11%
53	DFAUDIMENSIONAL ETF TRUST	10,028	$452,485	0.2%	HOLD
54	GOOGALPHABET INC	1,566	$449,087	0.2%	TRIM −54%
55	VFHVANGUARD WORLD FD	3,670	$443,347	0.2%	HOLD
56	VUGVANGUARD INDEX FDS	981	$428,553	0.2%	ADD 2%
57	RSPINVESCO EXCHANGE TRADED FD T	2,203	$422,726	0.2%	NEW
58	FTGCFIRST TR EXCHANGE TRAD FD VI	14,625	$419,871	0.2%	TRIM −7%
59	VIGVANGUARD SPECIALIZED FUNDS	1,928	$414,731	0.2%	TRIM −17%
60	TPCTUTOR PERINI CORP	5,360	$413,738	0.2%	HOLD
61	QQEWFirst Trust NASDAQ-100 Equal Wtd ETF	3,248	$412,431	0.2%	HOLD
62	XLISELECT SECTOR SPDR TR	2,486	$402,004	0.2%	HOLD
63	XLFSELECT SECTOR SPDR TR	7,991	$394,534	0.2%	TRIM −21%
64	CGCPCAPITAL GRP FIXED INCM ETF T	17,037	$380,615	0.2%	HOLD
65	QQQINVESCO QQQ TR	650	$375,071	0.2%	NEW
66	DFSVDIMENSIONAL ETF TRUST	10,514	$368,411	0.2%	HOLD
67	FDNFIRST TR EXCHANGE-TRADED FD	1,546	$361,810	0.2%	TRIM −13%
68	LLYELI LILLY & CO	393	$361,809	0.2%	ADD 5%
69	TFCTRUIST FINL CORP	7,845	$360,651	0.2%	HOLD
70	TTTRANE TECHNOLOGIES PLC	864	$360,140	0.2%	HOLD
71	TSLATESLA INC	940	$349,445	0.2%	ADD 8%
72	EQTEQT CORP	5,458	$347,347	0.2%	HOLD
73	ABBVABBVIE INC	1,589	$345,666	0.2%	TRIM −92%
74	JNJJOHNSON & JOHNSON	1,387	$339,109	0.2%	TRIM −94%
75	CGDVCAPITAL GROUP DIVIDEND VALUE	7,622	$324,228	0.2%	TRIM −14%
76	VIGIVanguard Whitehall Int'l Div. Apprec. ETF	3,544	$313,471	0.2%	TRIM −2%
77	SPYSTATE STR SPDR S&P 500 ETF T	478	$310,898	0.2%	TRIM −2%
78	CATCATERPILLAR INC	423	$299,950	0.1%	HOLD
79	VOVANGUARD INDEX FDS	1,039	$298,262	0.1%	HOLD
80	CLSCELESTICA INC	1,000	$281,680	0.1%	HOLD
81	VVISA INC	905	$273,605	0.1%	ADD 3%
82	WMTWALMART INC	2,165	$269,022	0.1%	HOLD
83	RTXRTX CORPORATION	1,357	$261,843	0.1%	HOLD
84	DUKDUKE ENERGY CORP NEW	1,928	$252,462	0.1%	HOLD
85	CVXCHEVRON CORP NEW	1,211	$250,615	0.1%	TRIM −96%
86	ITOTISHARES TR	1,717	$244,518	0.1%	HOLD
87	AOAISHARES TR	2,726	$241,203	0.1%	TRIM −7%
88	COSTCOSTCO WHSL CORP NEW	242	$240,961	0.1%	NEW
89	TDIVFIRST TR EXCHANGE TRADED FD	2,529	$236,827	0.1%	HOLD
90	AEPAMERICAN ELEC PWR CO INC	1,799	$235,864	0.1%	TRIM −3%
91	FPXFIRST TR EXCHANGE-TRADED FD	1,484	$235,660	0.1%	ADD 4%
92	PEPPEPSICO INC	1,492	$231,673	0.1%	NEW
93	CIBRFIRST TR EXCHANGE-TRADED FD	3,642	$228,250	0.1%	HOLD
94	MOALTRIA GROUP INC	3,434	$226,626	0.1%	NEW
95	MRKMERCK & CO INC	1,883	$226,523	0.1%	TRIM −96%
96	VDCVANGUARD WORLD FD	998	$224,063	0.1%	TRIM −20%
97	BITWBITWISE 10 CRYPTO INDEX ETF	4,870	$217,236	0.1%	ADD 29%
98	IRINGERSOLL RAND INC	2,640	$211,510	0.1%	HOLD
99	ORCLORACLE CORP	1,393	$204,924	0.1%	ADD 2%
100	FTGSFIRST TR EXCHANGE-TRADED FD	6,009	$204,572	0.1%	HOLD
101	PFEPFIZER INC	7,163	$201,123	0.1%	NEW
102	OTFBLUE OWL TECHNOLOGY FINANCE	13,224	$163,847	0.1%	NEW

Position trends· top 15 holdings · shares held over 6 quarters

green added · red trimmed

Security

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

DFACDIMENSIONAL ETF TRUST

316K

452K

461K

480K

508K

528K

$21M

FBNDFIDELITY TOTAL BOND ETF

265K

304K

318K

339K

376K

394K

$18M

RDVYFIRST TR EXCHANGE TRADED FD

147K

213K

222K

234K

247K

257K

$18M

FTCSFIRST TR EXCHANGE-TRADED FD

138K

150K

154K

164K

178K

185K

$17M

DFAIDIMENSIONAL ETF TRUST

481K

359K

362K

376K

389K

385K

$15M

QGRWWISDOMTREE TR

155K

177K

176K

179K

183K

199K

$11M

AAPLAPPLE INC

35K

38K

35K

$9M

CGGRCAPITAL GROUP GROWTH ETF

—

101K

162K

174K

195K

215K

$9M

HGERHARBOR ETF TRUST

—

167K

202K

222K

263K

232K

$7M

XCWISDOMTREE TR

—

141K

146K

156K

178K

205K

$6M

AIRRFirst Trust RBA Amern Indl Renaissance ETF

52K

53K

54K

55K

52K

$6M

FESMFIDELITY COVINGTON TRUST

—

16K

94K

126K

131K

$5M

INCOCOLUMBIA ETF TR II

—

57K

62K

70K

85K

$5M

HISFFIRST TR EXCHANGE-TRADED FD

57K

55K

59K

60K

65K

71K

$3M

MSFTMICROSOFT CORP

10K

12K

13K

15K

$3M

Shares reported each quarter by the largest current holdings. Green = added vs the prior filing of that name, red = trimmed, grey = roughly held; a dash is a quarter with no 13F on file (a gap is skipped, not read as an exit). 13F is filed up to 45 days after quarter-end. Up to 40 quarters (10 years) available — use the selector above.

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