# EDGAR Filing Document

**Accession Number:** 0001785445
**File Stem:** 0001785445-26-000002
**Filing Date:** 2026-4
**Character Count:** 14060
**Document Hash:** 7f25425421731d58e6392af47f8d50ea
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001785445-26-000002.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0001785445-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260422

**DATE AS OF CHANGE**: 20260422

**EFFECTIVENESS DATE**: 20260422

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** tru Independence LLC
- **CENTRAL INDEX KEY:** 0001785445

**ORGANIZATION NAME:**
- **EIN:** 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:** 26882537

**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:** 03-31-2026

**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  04-22-2026<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:** 102

**Form 13F Information Table Value Total:** $202204991

      (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 |
| ABBVIE INC | COM | 00287Y109 |  | 345666 | 1589 | SH |  | SOLE |  | 1589 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 651958 | 2267 | SH |  | SOLE |  | 2267 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 449087 | 1566 | SH |  | SOLE |  | 1566 | 0 | 0 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 226626 | 3434 | SH |  | SOLE |  | 3434 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 930134 | 4466 | SH |  | SOLE |  | 4466 | 0 | 0 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 235864 | 1799 | SH |  | SOLE |  | 1799 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 8972028 | 35352 | SH |  | SOLE |  | 35352 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 934800 | 19175 | SH |  | SOLE |  | 19175 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2292493 | 4784 | SH |  | SOLE |  | 4784 | 0 | 0 |
| BITWISE 10 CRYPTO INDEX ETF | UNIT BENEFICIAL | 091749101 |  | 217236 | 4870 | SH |  | SOLE |  | 4870 | 0 | 0 |
| BLUE OWL TECHNOLOGY FIN CORP | COMMON STOCK | 095924106 |  | 163847 | 13224 | SH |  | SOLE |  | 13224 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 472304 | 1526 | SH |  | SOLE |  | 1526 | 0 | 0 |
| CAPITAL GROUP CORE BALANCED | SHS | 14021D107 |  | 833665 | 24227 | SH |  | SOLE |  | 24227 | 0 | 0 |
| CAPITAL GROUP CORE EQUITY ET | SHS CREATION UNI | 14020V108 |  | 571263 | 14869 | SH |  | SOLE |  | 14869 | 0 | 0 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 324228 | 7622 | SH |  | SOLE |  | 7622 | 0 | 0 |
| CAPITAL GROUP GROWTH ETF | SHS CREATION UNI | 14020G101 |  | 8625894 | 214628 | SH |  | SOLE |  | 214628 | 0 | 0 |
| CAPITAL GROUP INTL FOCUS EQT | SHS CREATION UNI | 14019W109 |  | 531223 | 18014 | SH |  | SOLE |  | 18014 | 0 | 0 |
| CAPITAL GRP FIXED INCM ETF T | CORE PLUS INCM | 14020Y102 |  | 380615 | 17037 | SH |  | SOLE |  | 17037 | 0 | 0 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 581321 | 3187 | SH |  | SOLE |  | 3187 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 299950 | 423 | SH |  | SOLE |  | 423 | 0 | 0 |
| CELESTICA INC | COM | 15101Q207 |  | 281680 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| CHEVRON CORPORATION | COM | 166764100 |  | 250615 | 1211 | SH |  | SOLE |  | 1211 | 0 | 0 |
| COLUMBIA ETF TR II | INDIA CONSMR ETF | 19762B707 |  | 4687017 | 85265 | SH |  | SOLE |  | 85265 | 0 | 0 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 240961 | 242 | SH |  | SOLE |  | 242 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 15013496 | 385357 | SH |  | SOLE |  | 385357 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 20520510 | 528063 | SH |  | SOLE |  | 528063 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 519694 | 15348 | SH |  | SOLE |  | 15348 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 731293 | 19894 | SH |  | SOLE |  | 19894 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 894414 | 18457 | SH |  | SOLE |  | 18457 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 368411 | 10514 | SH |  | SOLE |  | 10514 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 452485 | 10028 | SH |  | SOLE |  | 10028 | 0 | 0 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 252462 | 1928 | SH |  | SOLE |  | 1928 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 361809 | 393 | SH |  | SOLE |  | 393 | 0 | 0 |
| EQT CORP | COM | 26884L109 |  | 347347 | 5458 | SH |  | SOLE |  | 5458 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 487919 | 2876 | SH |  | SOLE |  | 2876 | 0 | 0 |
| FIDELITY COVINGTON TRUST | ENHANCED SMALL | 31609A206 |  | 4991471 | 131354 | SH |  | SOLE |  | 131354 | 0 | 0 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 17983702 | 394207 | SH |  | SOLE |  | 394207 | 0 | 0 |
| FIRST TR EXCHANGE TRAD FD VI | FST TR GLB FD | 33739H101 |  | 419871 | 14625 | SH |  | SOLE |  | 14625 | 0 | 0 |
| FIRST TR EXCHANGE TRADED FD | RBA INDL ETF | 33738R704 |  | 5742358 | 51836 | SH |  | SOLE |  | 51836 | 0 | 0 |
| FIRST TR EXCHANGE TRADED FD | RISNG DIVD ACHIV | 33738R506 |  | 17578139 | 257442 | SH |  | SOLE |  | 257442 | 0 | 0 |
| FIRST TR EXCHANGE TRADED FD | SMID RISNG ETF | 33741X102 |  | 1148884 | 29137 | SH |  | SOLE |  | 29137 | 0 | 0 |
| FIRST TR EXCHANGE TRADED FD | NASD TECH DIV | 33738R118 |  | 236827 | 2529 | SH |  | SOLE |  | 2529 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | CAP STRENGTH ETF | 33733E104 |  | 17190375 | 185321 | SH |  | SOLE |  | 185321 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | HIGH INCM STRGC | 33739Q309 |  | 3146726 | 70968 | SH |  | SOLE |  | 70968 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 33734H106 |  | 1316310 | 27989 | SH |  | SOLE |  | 27989 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | DJ INTERNT IDX | 33733E302 |  | 361810 | 1546 | SH |  | SOLE |  | 1546 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | NASDAQ-100 SEL | 337344105 |  | 412431 | 3248 | SH |  | SOLE |  | 3248 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 336917109 |  | 869250 | 17111 | SH |  | SOLE |  | 17111 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | NASDAQ CYB ETF | 33734X846 |  | 228250 | 3642 | SH |  | SOLE |  | 3642 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | GROWTH STRENGTH | 33733E823 |  | 204572 | 6009 | SH |  | SOLE |  | 6009 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | US EQTY OPPT ETF | 336920103 |  | 235660 | 1484 | SH |  | SOLE |  | 1484 | 0 | 0 |
| HARBOR ETF TRUST | HARBOR COMMODITY | 41151J505 |  | 7179563 | 231524 | SH |  | SOLE |  | 231524 | 0 | 0 |
| INGERSOLL RAND INC | COM | 45687V106 |  | 211510 | 2640 | SH |  | SOLE |  | 2640 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 422726 | 2203 | SH |  | SOLE |  | 2203 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 375071 | 650 | SH |  | SOLE |  | 650 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 789887 | 11325 | SH |  | SOLE |  | 11325 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 743213 | 8210 | SH |  | SOLE |  | 8210 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2672546 | 4091 | SH |  | SOLE |  | 4091 | 0 | 0 |
| ISHARES TR | CORE 80/20 AGGRE | 464289859 |  | 241203 | 2726 | SH |  | SOLE |  | 2726 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 709528 | 7305 | SH |  | SOLE |  | 7305 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 727465 | 6431 | SH |  | SOLE |  | 6431 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 244518 | 1717 | SH |  | SOLE |  | 1717 | 0 | 0 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 2667164 | 52951 | SH |  | SOLE |  | 52951 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 339109 | 1387 | SH |  | SOLE |  | 1387 | 0 | 0 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1235345 | 4200 | SH |  | SOLE |  | 4200 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 538086 | 890 | SH |  | SOLE |  | 890 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 1084771 | 3490 | SH |  | SOLE |  | 3490 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 226523 | 1883 | SH |  | SOLE |  | 1883 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 626984 | 1096 | SH |  | SOLE |  | 1096 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 2730540 | 7376 | SH |  | SOLE |  | 7376 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1012075 | 5803 | SH |  | SOLE |  | 5803 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 204924 | 1393 | SH |  | SOLE |  | 1393 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 231673 | 1492 | SH |  | SOLE |  | 1492 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 201123 | 7163 | SH |  | SOLE |  | 7163 | 0 | 0 |
| PROSHARES TR | S MDCP 400 DIV | 74347B680 |  | 498485 | 5769 | SH |  | SOLE |  | 5769 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 261843 | 1357 | SH |  | SOLE |  | 1357 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y407 |  | 531242 | 4875 | SH |  | SOLE |  | 4875 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET IND | 81369Y704 |  | 402004 | 2486 | SH |  | SOLE |  | 2486 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 536627 | 3660 | SH |  | SOLE |  | 3660 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 394534 | 7991 | SH |  | SOLE |  | 7991 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 1301159 | 17000 | SH |  | SOLE |  | 17000 | 0 | 0 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 310898 | 478 | SH |  | SOLE |  | 478 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 349445 | 940 | SH |  | SOLE |  | 940 | 0 | 0 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 360140 | 864 | SH |  | SOLE |  | 864 | 0 | 0 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 360651 | 7845 | SH |  | SOLE |  | 7845 | 0 | 0 |
| TUTOR PERINI CORP | COM | 901109108 |  | 413738 | 5360 | SH |  | SOLE |  | 5360 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 298262 | 1039 | SH |  | SOLE |  | 1039 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1096896 | 3419 | SH |  | SOLE |  | 3419 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 911654 | 4647 | SH |  | SOLE |  | 4647 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 524851 | 878 | SH |  | SOLE |  | 878 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 428553 | 981 | SH |  | SOLE |  | 981 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 414731 | 1928 | SH |  | SOLE |  | 1928 | 0 | 0 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 313471 | 3544 | SH |  | SOLE |  | 3544 | 0 | 0 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 2350185 | 3368 | SH |  | SOLE |  | 3368 | 0 | 0 |
| VANGUARD WORLD FD | FINANCIALS ETF | 92204A405 |  | 443347 | 3670 | SH |  | SOLE |  | 3670 | 0 | 0 |
| VANGUARD WORLD FD | INDUSTRIAL ETF | 92204A603 |  | 483753 | 1549 | SH |  | SOLE |  | 1549 | 0 | 0 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 |  | 224063 | 998 | SH |  | SOLE |  | 998 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 273605 | 905 | SH |  | SOLE |  | 905 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 269022 | 2165 | SH |  | SOLE |  | 2165 | 0 | 0 |
| WELLS FARGO  CO | COM | 949746101 |  | 479837 | 6041 | SH |  | SOLE |  | 6041 | 0 | 0 |
| WISDOMTREE TR | US QUALITY GROW | 97717Y477 |  | 10634387 | 199034 | SH |  | SOLE |  | 199034 | 0 | 0 |
| WISDOMTREE TR | TRUE EMERGING MK | 97717Y535 |  | 6405110 | 205292 | SH |  | SOLE |  | 205292 | 0 | 0 |

---