# EDGAR Filing Document

**Accession Number:** 0001785445
**File Stem:** 0001785445-23-000001
**Filing Date:** 2023-1
**Character Count:** 15673
**Document Hash:** 6e58ce6e9e3c21b357985c88651abe12
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001785445-23-000001.hdr.sgml**: 20230130

**ACCESSION NUMBER**: 0001785445-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230130

**DATE AS OF CHANGE**: 20230130

**EFFECTIVENESS DATE**: 20230130

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** tru Independence LLC
- **CENTRAL INDEX KEY:** 0001785445
- **IRS NUMBER:** 300876840
- **STATE OF INCORPORATION:** OR
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20289
- **FILM NUMBER:** 23566494

**BUSINESS ADDRESS:**
- **STREET 1:** 15350 SW SEQUOIA PARKWAY
- **STREET 2:** SUITE 250
- **CITY:** PORTLAND
- **STATE:** OR
- **ZIP:** 97224
- **BUSINESS PHONE:** 971.371.3450

**MAIL ADDRESS:**
- **STREET 1:** 15350 SW SEQUOIA PARKWAY
- **STREET 2:** SUITE 250
- **CITY:** PORTLAND
- **STATE:** OR
- **ZIP:** 97224

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** tru Independence LLC<br>**Address:** 15350 SW SEQUOIA PARKWAY<br>SUITE 250<br>PORTLAND, OR 97224

**Form 13F File Number:** 028-20289

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** MICHELLE ELDRIDGE<br>**Title:** SR. COMPLIANCE OFFICER<br>**Phone:** 971-371-3446

**Signature, Place, and Date of Signing:**

MICHELLE ELDRIDGE  PORTLAND, OR  01-30-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 120

**Form 13F Information Table Value Total:** $308432081

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| FIRST TR EXCHANGE-TRADED FD | CAP STRENGTH ETF | 33733E104 |  | 7834697 | 104532 | SH |  | SOLE |  | 0 | 0 | 104532 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 7577066 | 302598 | SH |  | SOLE |  | 0 | 0 | 302598 |
| BOEING CO | COM | 097023105 |  | 7071381 | 37122 | SH |  | SOLE |  | 0 | 0 | 37122 |
| SHELL PLC | SPON ADS | 780259305 |  | 6745870 | 118453 | SH |  | SOLE |  | 0 | 0 | 118453 |
| MERCK  CO INC | COM | 58933Y105 |  | 6559919 | 59125 | SH |  | SOLE |  | 0 | 0 | 59125 |
| ALLSTATE CORP | COM | 020002101 |  | 6530496 | 48160 | SH |  | SOLE |  | 0 | 0 | 48160 |
| ENERGIZER HLDGS INC NEW | COM | 29272W109 |  | 6425999 | 191535 | SH |  | SOLE |  | 0 | 0 | 191535 |
| O-I GLASS INC | COM | 67098H104 |  | 6344860 | 382913 | SH |  | SOLE |  | 0 | 0 | 382913 |
| CORNING INC | COM | 219350105 |  | 6279564 | 196605 | SH |  | SOLE |  | 0 | 0 | 196605 |
| GRAPHIC PACKAGING HLDG CO | COM | 388689101 |  | 6220544 | 279575 | SH |  | SOLE |  | 0 | 0 | 279575 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 6208544 | 33114 | SH |  | SOLE |  | 0 | 0 | 33114 |
| CVS HEALTH CORP | COM | 126650100 |  | 6191777 | 66443 | SH |  | SOLE |  | 0 | 0 | 66443 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 6187053 | 35591 | SH |  | SOLE |  | 0 | 0 | 35591 |
| BK OF AMERICA CORP | COM | 060505104 |  | 6155749 | 185862 | SH |  | SOLE |  | 0 | 0 | 185862 |
| KIMCO RLTY CORP | COM | 49446R109 |  | 5957659 | 281287 | SH |  | SOLE |  | 0 | 0 | 281287 |
| AT INC | COM | 00206R102 |  | 5948648 | 323121 | SH |  | SOLE |  | 0 | 0 | 323121 |
| BERRY GLOBAL GROUP INC | COM | 08579W103 |  | 5833912 | 96540 | SH |  | SOLE |  | 0 | 0 | 96540 |
| SIMON PPTY GROUP INC NEW | COM | 828806109 |  | 5831707 | 49640 | SH |  | SOLE |  | 0 | 0 | 49640 |
| TOTALENERGIES SE | SPONSORED ADS | 89151E109 |  | 5744573 | 92535 | SH |  | SOLE |  | 0 | 0 | 92535 |
| KB HOME | COM | 48666K109 |  | 5669300 | 178000 | SH |  | SOLE |  | 0 | 0 | 178000 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 5627368 | 111765 | SH |  | SOLE |  | 0 | 0 | 111765 |
| SOUTHWEST AIRLS CO | COM | 844741108 |  | 5539372 | 164520 | SH |  | SOLE |  | 0 | 0 | 164520 |
| APPLE INC | COM | 037833100 |  | 5468756 | 42090 | SH |  | SOLE |  | 0 | 0 | 42090 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 5412896 | 39874 | SH |  | SOLE |  | 0 | 0 | 39874 |
| LYONDELLBASELL INDUSTRIES N | SHS - A - | N53745100 |  | 5397822 | 65011 | SH |  | SOLE |  | 0 | 0 | 65011 |
| FIRST TR VALUE LINE DIVID IN | SHS | 33734H106 |  | 5342007 | 133851 | SH |  | SOLE |  | 0 | 0 | 133851 |
| CLEVELAND-CLIFFS INC NEW | COM | 185899101 |  | 5260277 | 326523 | SH |  | SOLE |  | 0 | 0 | 326523 |
| DOW INC | COM | 260557103 |  | 5232296 | 103836 | SH |  | SOLE |  | 0 | 0 | 103836 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 5058644 | 122515 | SH |  | SOLE |  | 0 | 0 | 122515 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 4952777 | 125705 | SH |  | SOLE |  | 0 | 0 | 125705 |
| ISHARES TR | CORE S ETF | 464287200 |  | 4934104 | 12842 | SH |  | SOLE |  | 0 | 0 | 12842 |
| GENERAL MTRS CO | COM | 37045V100 |  | 4748454 | 141155 | SH |  | SOLE |  | 0 | 0 | 141155 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 4707281 | 26648 | SH |  | SOLE |  | 0 | 0 | 26648 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 4648241 | 34663 | SH |  | SOLE |  | 0 | 0 | 34663 |
| INTERNATIONAL PAPER CO | COM | 460146103 |  | 4570485 | 131981 | SH |  | SOLE |  | 0 | 0 | 131981 |
| WALGREENS BOOTS ALLIANCE INC | COM | 931427108 |  | 4566139 | 122220 | SH |  | SOLE |  | 0 | 0 | 122220 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 4497065 | 104510 | SH |  | SOLE |  | 0 | 0 | 104510 |
| COMERICA INC | COM | 200340107 |  | 4429982 | 66268 | SH |  | SOLE |  | 0 | 0 | 66268 |
| TYSON FOODS INC | CL A | 902494103 |  | 4303031 | 69125 | SH |  | SOLE |  | 0 | 0 | 69125 |
| CISCO SYS INC | COM | 17275R102 |  | 4266877 | 89565 | SH |  | SOLE |  | 0 | 0 | 89565 |
| FEDEX CORP | COM | 31428X106 |  | 4181914 | 24145 | SH |  | SOLE |  | 0 | 0 | 24145 |
| FORD MTR CO DEL | COM | 345370860 |  | 4106553 | 353100 | SH |  | SOLE |  | 0 | 0 | 353100 |
| BP PLC | SPONSORED ADR | 055622104 |  | 4092329 | 117158 | SH |  | SOLE |  | 0 | 0 | 117158 |
| ALBERTSONS COS INC | COMMON STOCK | 013091103 |  | 4075203 | 196490 | SH |  | SOLE |  | 0 | 0 | 196490 |
| MAXEON SOLAR TECHNOLOGIES LT | SHS | Y58473102 |  | 3442060 | 214325 | SH |  | SOLE |  | 0 | 0 | 214325 |
| WESTROCK CO | COM | 96145D105 |  | 3393124 | 96505 | SH |  | SOLE |  | 0 | 0 | 96505 |
| NEWELL BRANDS INC | COM | 651229106 |  | 3148193 | 240688 | SH |  | SOLE |  | 0 | 0 | 240688 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 2801535 | 63744 | SH |  | SOLE |  | 0 | 0 | 63744 |
| TRIUMPH GROUP INC NEW | COM | 896818101 |  | 2636391 | 250608 | SH |  | SOLE |  | 0 | 0 | 250608 |
| MICROSOFT CORP | COM | 594918104 |  | 2503721 | 10440 | SH |  | SOLE |  | 0 | 0 | 10440 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 2489972 | 40395 | SH |  | SOLE |  | 0 | 0 | 40395 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 2478212 | 7759 | SH |  | SOLE |  | 0 | 0 | 7759 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 2475304 | 22875 | SH |  | SOLE |  | 0 | 0 | 22875 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 2307210 | 49405 | SH |  | SOLE |  | 0 | 0 | 49405 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 1583808 | 11659 | SH |  | SOLE |  | 0 | 0 | 11659 |
| INTEL CORP | COM | 458140100 |  | 1365863 | 51679 | SH |  | SOLE |  | 0 | 0 | 51679 |
| FIRST TR EXCHNG TRADED FD VI | TCW OPPORTUNIS | 33740F805 |  | 1358475 | 30931 | SH |  | SOLE |  | 0 | 0 | 30931 |
| BRANDYWINE RLTY TR | SH BEN INT NEW | 105368203 |  | 1328861 | 216075 | SH |  | SOLE |  | 0 | 0 | 216075 |
| ASSOCIATED BANC CORP | COM | 045487105 |  | 1284959 | 55650 | SH |  | SOLE |  | 0 | 0 | 55650 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1217691 | 12555 | SH |  | SOLE |  | 0 | 0 | 12555 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 1108721 | 32419 | SH |  | SOLE |  | 0 | 0 | 32419 |
| VANGUARD WORLD FDS | INDUSTRIAL ETF | 92204A603 |  | 1058039 | 5793 | SH |  | SOLE |  | 0 | 0 | 5793 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 995550 | 7708 | SH |  | SOLE |  | 0 | 0 | 7708 |
| BRIXMOR PPTY GROUP INC | COM | 11120U105 |  | 985238 | 43460 | SH |  | SOLE |  | 0 | 0 | 43460 |
| FIRST TR EXCHANGE TRAD FD VI | FST TR GLB FD | 33739H101 |  | 978469 | 39954 | SH |  | SOLE |  | 0 | 0 | 39954 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 962224 | 3115 | SH |  | SOLE |  | 0 | 0 | 3115 |
| ISHARES TR | MBS ETF | 464288588 |  | 947268 | 10213 | SH |  | SOLE |  | 0 | 0 | 10213 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 935532 | 27943 | SH |  | SOLE |  | 0 | 0 | 27943 |
| FIRST TR MORNINGSTAR DIVID L | SHS | 336917109 |  | 832900 | 22782 | SH |  | SOLE |  | 0 | 0 | 22782 |
| BK OF AMERICA CORP | COM | 060505104 |  | 778886 | 23517 | SH |  | SOLE |  | 0 | 0 | 23517 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 773261 | 11780 | SH |  | SOLE |  | 0 | 0 | 11780 |
| VANGUARD WORLD FDS | CONSUM STP ETF | 92204A207 |  | 756319 | 3948 | SH |  | SOLE |  | 0 | 0 | 3948 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 712331 | 8144 | SH |  | SOLE |  | 0 | 0 | 8144 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 707248 | 5274 | SH |  | SOLE |  | 0 | 0 | 5274 |
| PROSHARES TR | S MDCP 400 DIV | 74347B680 |  | 656322 | 9173 | SH |  | SOLE |  | 0 | 0 | 9173 |
| TESLA INC | COM | 88160R101 |  | 642507 | 5216 | SH |  | SOLE |  | 0 | 0 | 5216 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 630837 | 5983 | SH |  | SOLE |  | 0 | 0 | 5983 |
| VANGUARD WORLD FDS | FINANCIALS ETF | 92204A405 |  | 622245 | 7521 | SH |  | SOLE |  | 0 | 0 | 7521 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 600826 | 3143 | SH |  | SOLE |  | 0 | 0 | 3143 |
| FIRST TR EXCHANGE-TRADED FD | DJ INTERNT IDX | 33733E302 |  | 595553 | 4836 | SH |  | SOLE |  | 0 | 0 | 4836 |
| FIRST TR EXCHANGE-TRADED FD | RISNG DIVD ACHIV | 33738R506 |  | 592144 | 13482 | SH |  | SOLE |  | 0 | 0 | 13482 |
| SELECT SECTOR SPDR TR | SBI INT-INDS | 81369Y704 |  | 587763 | 5985 | SH |  | SOLE |  | 0 | 0 | 5985 |
| MCDONALDS CORP | COM | 580135101 |  | 583101 | 2213 | SH |  | SOLE |  | 0 | 0 | 2213 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 564303 | 13667 | SH |  | SOLE |  | 0 | 0 | 13667 |
| MICROSOFT CORP | COM | 594918104 |  | 552359 | 2303 | SH |  | SOLE |  | 0 | 0 | 2303 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 516094 | 21256 | SH |  | SOLE |  | 0 | 0 | 21256 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 508108 | 11808 | SH |  | SOLE |  | 0 | 0 | 11808 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 503957 | 6694 | SH |  | SOLE |  | 0 | 0 | 6694 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 480056 | 6459 | SH |  | SOLE |  | 0 | 0 | 6459 |
| VANGUARD WORLD FDS | MATERIALS ETF | 92204A801 |  | 462085 | 2715 | SH |  | SOLE |  | 0 | 0 | 2715 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 450443 | 3431 | SH |  | SOLE |  | 0 | 0 | 3431 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 450421 | 7699 | SH |  | SOLE |  | 0 | 0 | 7699 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 440354 | 3137 | SH |  | SOLE |  | 0 | 0 | 3137 |
| SELECT SECTOR SPDR TR | RL EST SEL SEC | 81369Y860 |  | 412351 | 11166 | SH |  | SOLE |  | 0 | 0 | 11166 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 357401 | 1017 | SH |  | SOLE |  | 0 | 0 | 1017 |
| PROSHARES TR | RUSS 2000 DIVD | 74347B698 |  | 332665 | 5421 | SH |  | SOLE |  | 0 | 0 | 5421 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 308498 | 4138 | SH |  | SOLE |  | 0 | 0 | 4138 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 292849 | 2549 | SH |  | SOLE |  | 0 | 0 | 2549 |
| FIRST TR EXCHANGE-TRADED FD | SMID RISNG ETF | 33741X102 |  | 290910 | 11167 | SH |  | SOLE |  | 0 | 0 | 11167 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 283146 | 1865 | SH |  | SOLE |  | 0 | 0 | 1865 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 282894 | 3043 | SH |  | SOLE |  | 0 | 0 | 3043 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 282075 | 5878 | SH |  | SOLE |  | 0 | 0 | 5878 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 261222 | 9668 | SH |  | SOLE |  | 0 | 0 | 9668 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 251907 | 5607 | SH |  | SOLE |  | 0 | 0 | 5607 |
| LOWES COS INC | COM | 548661107 |  | 246840 | 1239 | SH |  | SOLE |  | 0 | 0 | 1239 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 243619 | 1143 | SH |  | SOLE |  | 0 | 0 | 1143 |
| INVESCO ACTIVELY MANAGED ETF | TOTAL RETURN | 46090A804 |  | 234568 | 5048 | SH |  | SOLE |  | 0 | 0 | 5048 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 231542 | 2248 | SH |  | SOLE |  | 0 | 0 | 2248 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 229051 | 3290 | SH |  | SOLE |  | 0 | 0 | 3290 |
| NIKE INC | CL B | 654106103 |  | 228170 | 1950 | SH |  | SOLE |  | 0 | 0 | 1950 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 225976 | 2123 | SH |  | SOLE |  | 0 | 0 | 2123 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 223600 | 2520 | SH |  | SOLE |  | 0 | 0 | 2520 |
| WEST PHARMACEUTICAL SVSC INC | COM | 955306105 |  | 221700 | 942 | SH |  | SOLE |  | 0 | 0 | 942 |
| AMAZON COM INC | COM | 023135106 |  | 219324 | 2611 | SH |  | SOLE |  | 0 | 0 | 2611 |
| PEPSICO INC | COM | 713448108 |  | 218823 | 1211 | SH |  | SOLE |  | 0 | 0 | 1211 |
| TARGET CORP | COM | 87612E106 |  | 209807 | 1408 | SH |  | SOLE |  | 0 | 0 | 1408 |
| FIRST TR EXCHANGE TRADED FD | ENERGY ALPHADX | 33734X127 |  | 208596 | 12206 | SH |  | SOLE |  | 0 | 0 | 12206 |
| INNOVATOR ETFS TR | US EQT ULTRA BF | 45782C292 |  | 206442 | 7899 | SH |  | SOLE |  | 0 | 0 | 7899 |
| FIRST TR NAS100 EQ WEIGHTED | SHS | 337344105 |  | 201841 | 2273 | SH |  | SOLE |  | 0 | 0 | 2273 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 200230 | 8488 | SH |  | SOLE |  | 0 | 0 | 8488 |

---