# EDGAR Filing Document

**Accession Number:** 0002066080
**File Stem:** 0002066080-25-000005
**Filing Date:** 2025-10
**Character Count:** 9067
**Document Hash:** f50c20251356831c8c72f319bd887f32
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002066080-25-000005.hdr.sgml**: 20251024

**ACCESSION NUMBER**: 0002066080-25-000005

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251024

**DATE AS OF CHANGE**: 20251024

**EFFECTIVENESS DATE**: 20251024

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Independence Financial Advisors, LLC
- **CENTRAL INDEX KEY:** 0002066080

**ORGANIZATION NAME:**
- **EIN:** 451056746
- **STATE OF INCORPORATION:** NH
- **FISCAL YEAR END:** 0331

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25545
- **FILM NUMBER:** 251414789

**BUSINESS ADDRESS:**
- **STREET 1:** 402 CENTRAL ST
- **CITY:** FRANKLIN
- **STATE:** NH
- **ZIP:** 03235
- **BUSINESS PHONE:** 800-821-1776

**MAIL ADDRESS:**
- **STREET 1:** 402 CENTRAL ST
- **CITY:** FRANKLIN
- **STATE:** NH
- **ZIP:** 03235

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** Independence Financial Advisors LLC<br>**Address:** 402 CENTRAL ST<br>FRANKLIN, NH 03235

**Form 13F File Number:** 028-25545

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:** Audrey Lanzillo<br>**Title:** Investment Operations Administrator<br>**Phone:** 603-934-8317

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

Audrey Lanzillo  Franklin, NH  10-24-2025<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:** 53

**Form 13F Information Table Value Total:** $328336481

      (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 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 205955 | 846 | SH |  | SOLE | 0 | 0 | 0 | 846 |
| APPLE INC | COM | 037833100 |  | 1669292 | 6556 | SH |  | SOLE | 0 | 0 | 0 | 6556 |
| AT INC | COM | 00206R102 |  | 262488 | 9295 | SH |  | SOLE | 0 | 0 | 0 | 9295 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 725719 | 1444 | SH |  | SOLE | 0 | 0 | 0 | 1444 |
| BROADCOM INC | COM | 11135F101 |  | 700390 | 2123 | SH |  | SOLE | 0 | 0 | 0 | 2123 |
| CRH PLC | ORD | G25508105 |  | 638416 | 5325 | SH |  | SOLE | 0 | 0 | 0 | 5325 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 651877 | 5782 | SH |  | SOLE | 0 | 0 | 0 | 5782 |
| FIDELITY COVINGTON TRUST | MSCI COMMNTN SVC | 316092873 |  | 11378008 | 160321 | SH |  | SOLE | 0 | 0 | 0 | 160321 |
| FIDELITY COVINGTON TRUST | MSCI FINLS IDX | 316092501 |  | 11168238 | 146296 | SH |  | SOLE | 0 | 0 | 0 | 146296 |
| FIDELITY COVINGTON TRUST | ENHANCED INTL | 31609A404 |  | 10459749 | 296478 | SH |  | SOLE | 0 | 0 | 0 | 296478 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 |  | 17337046 | 78035 | SH |  | SOLE | 0 | 0 | 0 | 78035 |
| FIDELITY COVINGTON TRUST | MSCI CONSM DIS | 316092204 |  | 6120502 | 59497 | SH |  | SOLE | 0 | 0 | 0 | 59497 |
| FIDELITY COVINGTON TRUST | MSCI HLTH CARE I | 316092600 |  | 1275422 | 19073 | SH |  | SOLE | 0 | 0 | 0 | 19073 |
| FIDELITY COVINGTON TRUST | MSCI INDL INDX | 316092709 |  | 10875684 | 132727 | SH |  | SOLE | 0 | 0 | 0 | 132727 |
| FIDELITY COVINGTON TRUST | MSCI UTILS INDEX | 316092865 |  | 10891251 | 192868 | SH |  | SOLE | 0 | 0 | 0 | 192868 |
| FIDELITY COVINGTON TRUST | ENHANCED LARGE | 31609A305 |  | 31858465 | 774768 | SH |  | SOLE | 0 | 0 | 0 | 774768 |
| FIDELITY COVINGTON TRUST | ENHANCED LARGE | 31609A107 |  | 30723403 | 916296 | SH |  | SOLE | 0 | 0 | 0 | 916296 |
| FIDELITY COVINGTON TRUST | HIGH DIVID ETF | 316092840 |  | 15898847 | 285386 | SH |  | SOLE | 0 | 0 | 0 | 285386 |
| FIDELITY COVINGTON TRUST | MSCI RL EST ETF | 316092857 |  | 315329 | 11339 | SH |  | SOLE | 0 | 0 | 0 | 11339 |
| FRANKLIN TEMPLETON ETF TR | SENIOR LOAN ETF | 35473P595 |  | 5970204 | 248551 | SH |  | SOLE | 0 | 0 | 0 | 248551 |
| GE AEROSPACE | COM NEW | 369604301 |  | 378763 | 1259 | SH |  | SOLE | 0 | 0 | 0 | 1259 |
| HOME DEPOT INC | COM | 437076102 |  | 655325 | 1617 | SH |  | SOLE | 0 | 0 | 0 | 1617 |
| INDEPENDENT BK CORP MASS | COM | 453836108 |  | 389159 | 5626 | SH |  | SOLE | 0 | 0 | 0 | 5626 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 561615 | 2961 | SH |  | SOLE | 0 | 0 | 0 | 2961 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 278295 | 2692 | SH |  | SOLE | 0 | 0 | 0 | 2692 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 18478223 | 191564 | SH |  | SOLE | 0 | 0 | 0 | 191564 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 5812648 | 183828 | SH |  | SOLE | 0 | 0 | 0 | 183828 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 10730737 | 65217 | SH |  | SOLE | 0 | 0 | 0 | 65217 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 7095156 | 85525 | SH |  | SOLE | 0 | 0 | 0 | 85525 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 11962895 | 119689 | SH |  | SOLE | 0 | 0 | 0 | 119689 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 12704918 | 114232 | SH |  | SOLE | 0 | 0 | 0 | 114232 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 18694180 | 167706 | SH |  | SOLE | 0 | 0 | 0 | 167706 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 18274590 | 152913 | SH |  | SOLE | 0 | 0 | 0 | 152913 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 11831426 | 118255 | SH |  | SOLE | 0 | 0 | 0 | 118255 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 6101965 | 63635 | SH |  | SOLE | 0 | 0 | 0 | 63635 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 7409279 | 151705 | SH |  | SOLE | 0 | 0 | 0 | 151705 |
| ISHARES TR | FALN ANGLS USD | 46435G474 |  | 12535706 | 451249 | SH |  | SOLE | 0 | 0 | 0 | 451249 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 4009922 | 28339 | SH |  | SOLE | 0 | 0 | 0 | 28339 |
| JOHN HANCOCK EXCHANGE TRADED | MULTIFACTOR MI | 47804J206 |  | 514951 | 7960 | SH |  | SOLE | 0 | 0 | 0 | 7960 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 261115 | 828 | SH |  | SOLE | 0 | 0 | 0 | 828 |
| M  T BK CORP | COM | 55261F104 |  | 535667 | 2711 | SH |  | SOLE | 0 | 0 | 0 | 2711 |
| MICROSOFT CORP | COM | 594918104 |  | 1346157 | 2599 | SH |  | SOLE | 0 | 0 | 0 | 2599 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 486985 | 2610 | SH |  | SOLE | 0 | 0 | 0 | 2610 |
| RTX CORPORATION | COM | 75513E101 |  | 211069 | 1261 | SH |  | SOLE | 0 | 0 | 0 | 1261 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 1005269 | 2828 | SH |  | SOLE | 0 | 0 | 0 | 2828 |
| TESLA INC | COM | 88160R101 |  | 270834 | 609 | SH |  | SOLE | 0 | 0 | 0 | 609 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 323478 | 4046 | SH |  | SOLE | 0 | 0 | 0 | 4046 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 3060564 | 9326 | SH |  | SOLE | 0 | 0 | 0 | 9326 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1611705 | 2632 | SH |  | SOLE | 0 | 0 | 0 | 2632 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 849791 | 3938 | SH |  | SOLE | 0 | 0 | 0 | 3938 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 221091 | 296 | SH |  | SOLE | 0 | 0 | 0 | 296 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 239824 | 5457 | SH |  | SOLE | 0 | 0 | 0 | 5457 |
| WALMART INC | COM | 931142103 |  | 366894 | 3560 | SH |  | SOLE | 0 | 0 | 0 | 3560 |

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