INDEPENDENCE FINANCIAL ADVISORS, LLC

Filed: 10/24/2025ACC: 0002066080-25-000005

📋 What this filing means

INDEPENDENCE FINANCIAL ADVISORS, LLC filed this quarterly 13F‑HR report disclosing 53 equity positions with a total reported market value of $328.34M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$328.34M

Total AUM (reported)

5.31M

Total Shares

Allocation by class

ENHANCED LARGE$62.58M19.1%

IBOXX INV CP ETF$18.69M5.7%

7-10 YR TRSY BD$18.48M5.6%

3 7 YR TREAS BD$18.27M5.6%

MSCI INFO TECH I$17.34M5.3%

HIGH DIVID ETF$15.90M4.8%

TIPS BD ETF$12.70M3.9%

Portfolio Concentration

Top 3$81.28M24.8%

4–10$107.19M32.6%

11–25$122.92M37.4%

Rest$16.95M5.2%

Top 3 weight

24.8%

Top 10 weight

57.4%

Voting Authority Distribution

Total shares with voting rights: 5.31M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

5.31M

% of voting shares100.0%

Investment Discretion (by position count)

Sole53

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings53

Rows:

FIDELITY COVINGTON TRUST

SOLE

ENHANCED LARGE

Shares774.77K

TypeSH

Market value$31.86M

9.70%

Sole

0.00

Shared

0.00

None

774.77K

FIDELITY COVINGTON TRUST

SOLE

ENHANCED LARGE

Shares916.30K

TypeSH

Market value$30.72M

9.36%

Sole

0.00

Shared

0.00

None

916.30K

ISHARES TR

SOLE

IBOXX INV CP ETF

Shares167.71K

TypeSH

Market value$18.69M

5.69%

Sole

0.00

Shared

0.00

None

167.71K

ISHARES TR

SOLE

7-10 YR TRSY BD

Shares191.56K

TypeSH

Market value$18.48M

5.63%

Sole

0.00

Shared

0.00

None

191.56K

ISHARES TR

SOLE

3 7 YR TREAS BD

Shares152.91K

TypeSH

Market value$18.27M

5.57%

Sole

0.00

Shared

0.00

None

152.91K

FIDELITY COVINGTON TRUST

SOLE

MSCI INFO TECH I

Shares78.03K

TypeSH

Market value$17.34M

5.28%

Sole

0.00

Shared

0.00

None

78.03K

FIDELITY COVINGTON TRUST

SOLE

HIGH DIVID ETF

Shares285.39K

TypeSH

Market value$15.90M

4.84%

Sole

0.00

Shared

0.00

None

285.39K

ISHARES TR

SOLE

TIPS BD ETF

Shares114.23K

TypeSH

Market value$12.70M

3.87%

Sole

0.00

Shared

0.00

None

114.23K

ISHARES TR

SOLE

FALN ANGLS USD

Shares451.25K

TypeSH

Market value$12.54M

3.82%

Sole

0.00

Shared

0.00

None

451.25K

ISHARES TR

SOLE

CORE S&P US VLU

Shares119.69K

TypeSH

Market value$11.96M

3.64%

Sole

0.00

Shared

0.00

None

119.69K

ISHARES TR

SOLE

CONV BD ETF

Shares118.25K

TypeSH

Market value$11.83M

3.60%

Sole

0.00

Shared

0.00

None

118.25K

FIDELITY COVINGTON TRUST

SOLE

MSCI COMMNTN SVC

Shares160.32K

TypeSH

Market value$11.38M

3.47%

Sole

0.00

Shared

0.00

None

160.32K

FIDELITY COVINGTON TRUST

SOLE

MSCI FINLS IDX

Shares146.30K

TypeSH

Market value$11.17M

3.40%

Sole

0.00

Shared

0.00

None

146.30K

FIDELITY COVINGTON TRUST

SOLE

MSCI UTILS INDEX

Shares192.87K

TypeSH

Market value$10.89M

3.32%

Sole

0.00

Shared

0.00

None

192.87K

FIDELITY COVINGTON TRUST

SOLE

MSCI INDL INDX

Shares132.73K

TypeSH

Market value$10.88M

3.31%

Sole

0.00

Shared

0.00

None

132.73K

ISHARES TR

SOLE

CORE S&P US GWT

Shares65.22K

TypeSH

Market value$10.73M

3.27%

Sole

0.00

Shared

0.00

None

65.22K

FIDELITY COVINGTON TRUST

SOLE

ENHANCED INTL

Shares296.48K

TypeSH

Market value$10.46M

3.19%

Sole

0.00

Shared

0.00

None

296.48K

ISHARES TR

SOLE

CORE 1 5 YR USD

Shares151.71K

TypeSH

Market value$7.41M

2.26%

Sole

0.00

Shared

0.00

None

151.71K

ISHARES TR

SOLE

1 3 YR TREAS BD

Shares85.53K

TypeSH

Market value$7.10M

2.16%

Sole

0.00

Shared

0.00

None

85.53K

FIDELITY COVINGTON TRUST

SOLE

MSCI CONSM DIS

Shares59.50K

TypeSH

Market value$6.12M

1.86%

Sole

0.00

Shared

0.00

None

59.50K

ISHARES TR

SOLE

S&P MC 400GR ETF

Shares63.63K

TypeSH

Market value$6.10M

1.86%

Sole

0.00

Shared

0.00

None

63.63K

FRANKLIN TEMPLETON ETF TR

SOLE

SENIOR LOAN ETF

Shares248.55K

TypeSH

Market value$5.97M

1.82%

Sole

0.00

Shared

0.00

None

248.55K

ISHARES TR

SOLE

PFD AND INCM SEC

Shares183.83K

TypeSH

Market value$5.81M

1.77%

Sole

0.00

Shared

0.00

None

183.83K

ISHARES TR

SOLE

S&P SML 600 GWT

Shares28.34K

TypeSH

Market value$4.01M

1.22%

Sole

0.00

Shared

0.00

None

28.34K

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares9.33K

TypeSH

Market value$3.06M

0.93%

Sole

0.00

Shared

0.00

None

9.33K

Issuer	Class	Shares	Type	Value / Portfolio %	None
FIDELITY COVINGTON TRUSTSOLE	ENHANCED LARGE	774.77K	SH	$31.86M 9.70%	774.77K
FIDELITY COVINGTON TRUSTSOLE	ENHANCED LARGE	916.30K	SH	$30.72M 9.36%	916.30K
ISHARES TRSOLE	IBOXX INV CP ETF	167.71K	SH	$18.69M 5.69%	167.71K
ISHARES TRSOLE	7-10 YR TRSY BD	191.56K	SH	$18.48M 5.63%	191.56K
ISHARES TRSOLE	3 7 YR TREAS BD	152.91K	SH	$18.27M 5.57%	152.91K
FIDELITY COVINGTON TRUSTSOLE	MSCI INFO TECH I	78.03K	SH	$17.34M 5.28%	78.03K
FIDELITY COVINGTON TRUSTSOLE	HIGH DIVID ETF	285.39K	SH	$15.90M 4.84%	285.39K
ISHARES TRSOLE	TIPS BD ETF	114.23K	SH	$12.70M 3.87%	114.23K
ISHARES TRSOLE	FALN ANGLS USD	451.25K	SH	$12.54M 3.82%	451.25K
ISHARES TRSOLE	CORE S&P US VLU	119.69K	SH	$11.96M 3.64%	119.69K
ISHARES TRSOLE	CONV BD ETF	118.25K	SH	$11.83M 3.60%	118.25K
FIDELITY COVINGTON TRUSTSOLE	MSCI COMMNTN SVC	160.32K	SH	$11.38M 3.47%	160.32K
FIDELITY COVINGTON TRUSTSOLE	MSCI FINLS IDX	146.30K	SH	$11.17M 3.40%	146.30K
FIDELITY COVINGTON TRUSTSOLE	MSCI UTILS INDEX	192.87K	SH	$10.89M 3.32%	192.87K
FIDELITY COVINGTON TRUSTSOLE	MSCI INDL INDX	132.73K	SH	$10.88M 3.31%	132.73K
ISHARES TRSOLE	CORE S&P US GWT	65.22K	SH	$10.73M 3.27%	65.22K
FIDELITY COVINGTON TRUSTSOLE	ENHANCED INTL	296.48K	SH	$10.46M 3.19%	296.48K
ISHARES TRSOLE	CORE 1 5 YR USD	151.71K	SH	$7.41M 2.26%	151.71K
ISHARES TRSOLE	1 3 YR TREAS BD	85.53K	SH	$7.10M 2.16%	85.53K
FIDELITY COVINGTON TRUSTSOLE	MSCI CONSM DIS	59.50K	SH	$6.12M 1.86%	59.50K
ISHARES TRSOLE	S&P MC 400GR ETF	63.63K	SH	$6.10M 1.86%	63.63K
FRANKLIN TEMPLETON ETF TRSOLE	SENIOR LOAN ETF	248.55K	SH	$5.97M 1.82%	248.55K
ISHARES TRSOLE	PFD AND INCM SEC	183.83K	SH	$5.81M 1.77%	183.83K
ISHARES TRSOLE	S&P SML 600 GWT	28.34K	SH	$4.01M 1.22%	28.34K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	9.33K	SH	$3.06M 0.93%	9.33K

Page 1 of 3