INDEPENDENCE FINANCIAL ADVISORS, LLC

Filed: 1/15/2026ACC: 0002066080-26-000001

📋 What this filing means

INDEPENDENCE FINANCIAL ADVISORS, LLC filed this quarterly 13F‑HR report disclosing 55 equity positions with a total reported market value of $363.80M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$363.80M

Total AUM (reported)

6.01M

Total Shares

Allocation by class

ENHANCED LARGE$87.55M24.1%

IBOXX INV CP ETF$19.32M5.3%

7-10 YR TRSY BD$19.20M5.3%

3 7 YR TREAS BD$19.04M5.2%

MSCI INFO TECH I$18.05M5.0%

HIGH DIVID ETF$16.73M4.6%

TIPS BD ETF$13.04M3.6%

Portfolio Concentration

Top 3$106.87M29.4%

4–10$111.22M30.6%

11–25$127.35M35.0%

Rest$18.36M5.0%

Top 3 weight

29.4%

Top 10 weight

59.9%

Voting Authority Distribution

Total shares with voting rights: 6.01M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

6.01M

% of voting shares100.0%

Investment Discretion (by position count)

Sole55

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings55

Rows:

FIDELITY COVINGTON TRUST

SOLE

ENHANCED LARGE

Shares1.31M

TypeSH

Market value$54.66M

15.02%

Sole

0.00

Shared

0.00

None

1.31M

FIDELITY COVINGTON TRUST

SOLE

ENHANCED LARGE

Shares949.12K

TypeSH

Market value$32.90M

9.04%

Sole

0.00

Shared

0.00

None

949.12K

ISHARES TR

SOLE

IBOXX INV CP ETF

Shares175.33K

TypeSH

Market value$19.32M

5.31%

Sole

0.00

Shared

0.00

None

175.33K

ISHARES TR

SOLE

7-10 YR TRSY BD

Shares199.63K

TypeSH

Market value$19.20M

5.28%

Sole

0.00

Shared

0.00

None

199.63K

ISHARES TR

SOLE

3 7 YR TREAS BD

Shares159.51K

TypeSH

Market value$19.04M

5.23%

Sole

0.00

Shared

0.00

None

159.51K

FIDELITY COVINGTON TRUST

SOLE

MSCI INFO TECH I

Shares80.32K

TypeSH

Market value$18.05M

4.96%

Sole

0.00

Shared

0.00

None

80.32K

FIDELITY COVINGTON TRUST

SOLE

HIGH DIVID ETF

Shares295.15K

TypeSH

Market value$16.73M

4.60%

Sole

0.00

Shared

0.00

None

295.15K

ISHARES TR

SOLE

TIPS BD ETF

Shares118.62K

TypeSH

Market value$13.04M

3.58%

Sole

0.00

Shared

0.00

None

118.62K

ISHARES TR

SOLE

FALN ANGLS USD

Shares476.03K

TypeSH

Market value$13.00M

3.57%

Sole

0.00

Shared

0.00

None

476.03K

ISHARES TR

SOLE

CORE S&P US VLU

Shares118.72K

TypeSH

Market value$12.17M

3.35%

Sole

0.00

Shared

0.00

None

118.72K

ISHARES TR

SOLE

CONV BD ETF

Shares123.31K

TypeSH

Market value$12.15M

3.34%

Sole

0.00

Shared

0.00

None

123.31K

FIDELITY COVINGTON TRUST

SOLE

MSCI COMMNTN SVC

Shares164.64K

TypeSH

Market value$12.06M

3.32%

Sole

0.00

Shared

0.00

None

164.64K

FIDELITY COVINGTON TRUST

SOLE

MSCI FINLS IDX

Shares150.96K

TypeSH

Market value$11.74M

3.23%

Sole

0.00

Shared

0.00

None

150.96K

FIDELITY COVINGTON TRUST

SOLE

MSCI INDL INDX

Shares136.70K

TypeSH

Market value$11.28M

3.10%

Sole

0.00

Shared

0.00

None

136.70K

FIDELITY COVINGTON TRUST

SOLE

ENHANCED INTL

Shares307.37K

TypeSH

Market value$11.24M

3.09%

Sole

0.00

Shared

0.00

None

307.37K

FIDELITY COVINGTON TRUST

SOLE

MSCI UTILS INDEX

Shares200.09K

TypeSH

Market value$11.05M

3.04%

Sole

0.00

Shared

0.00

None

200.09K

ISHARES TR

SOLE

CORE S&P US GWT

Shares64.45K

TypeSH

Market value$10.82M

2.98%

Sole

0.00

Shared

0.00

None

64.45K

ISHARES TR

SOLE

CORE 1 5 YR USD

Shares154.02K

TypeSH

Market value$7.51M

2.06%

Sole

0.00

Shared

0.00

None

154.02K

ISHARES TR

SOLE

1 3 YR TREAS BD

Shares88.45K

TypeSH

Market value$7.33M

2.01%

Sole

0.00

Shared

0.00

None

88.45K

ISHARES TR

SOLE

S&P MC 400GR ETF

Shares65.97K

TypeSH

Market value$6.39M

1.76%

Sole

0.00

Shared

0.00

None

65.97K

FIDELITY COVINGTON TRUST

SOLE

MSCI CONSM DIS

Shares61.84K

TypeSH

Market value$6.32M

1.74%

Sole

0.00

Shared

0.00

None

61.84K

FRANKLIN TEMPLETON ETF TR

SOLE

SENIOR LOAN ETF

Shares262.50K

TypeSH

Market value$6.15M

1.69%

Sole

0.00

Shared

0.00

None

262.50K

ISHARES TR

SOLE

PFD AND INCM SEC

Shares194.42K

TypeSH

Market value$6.02M

1.65%

Sole

0.00

Shared

0.00

None

194.42K

ISHARES TR

SOLE

S&P SML 600 GWT

Shares29.45K

TypeSH

Market value$4.16M

1.14%

Sole

0.00

Shared

0.00

None

29.45K

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares9.38K

TypeSH

Market value$3.14M

0.86%

Sole

0.00

Shared

0.00

None

9.38K

Issuer	Class	Shares	Type	Value / Portfolio %	None
FIDELITY COVINGTON TRUSTSOLE	ENHANCED LARGE	1.31M	SH	$54.66M 15.02%	1.31M
FIDELITY COVINGTON TRUSTSOLE	ENHANCED LARGE	949.12K	SH	$32.90M 9.04%	949.12K
ISHARES TRSOLE	IBOXX INV CP ETF	175.33K	SH	$19.32M 5.31%	175.33K
ISHARES TRSOLE	7-10 YR TRSY BD	199.63K	SH	$19.20M 5.28%	199.63K
ISHARES TRSOLE	3 7 YR TREAS BD	159.51K	SH	$19.04M 5.23%	159.51K
FIDELITY COVINGTON TRUSTSOLE	MSCI INFO TECH I	80.32K	SH	$18.05M 4.96%	80.32K
FIDELITY COVINGTON TRUSTSOLE	HIGH DIVID ETF	295.15K	SH	$16.73M 4.60%	295.15K
ISHARES TRSOLE	TIPS BD ETF	118.62K	SH	$13.04M 3.58%	118.62K
ISHARES TRSOLE	FALN ANGLS USD	476.03K	SH	$13.00M 3.57%	476.03K
ISHARES TRSOLE	CORE S&P US VLU	118.72K	SH	$12.17M 3.35%	118.72K
ISHARES TRSOLE	CONV BD ETF	123.31K	SH	$12.15M 3.34%	123.31K
FIDELITY COVINGTON TRUSTSOLE	MSCI COMMNTN SVC	164.64K	SH	$12.06M 3.32%	164.64K
FIDELITY COVINGTON TRUSTSOLE	MSCI FINLS IDX	150.96K	SH	$11.74M 3.23%	150.96K
FIDELITY COVINGTON TRUSTSOLE	MSCI INDL INDX	136.70K	SH	$11.28M 3.10%	136.70K
FIDELITY COVINGTON TRUSTSOLE	ENHANCED INTL	307.37K	SH	$11.24M 3.09%	307.37K
FIDELITY COVINGTON TRUSTSOLE	MSCI UTILS INDEX	200.09K	SH	$11.05M 3.04%	200.09K
ISHARES TRSOLE	CORE S&P US GWT	64.45K	SH	$10.82M 2.98%	64.45K
ISHARES TRSOLE	CORE 1 5 YR USD	154.02K	SH	$7.51M 2.06%	154.02K
ISHARES TRSOLE	1 3 YR TREAS BD	88.45K	SH	$7.33M 2.01%	88.45K
ISHARES TRSOLE	S&P MC 400GR ETF	65.97K	SH	$6.39M 1.76%	65.97K
FIDELITY COVINGTON TRUSTSOLE	MSCI CONSM DIS	61.84K	SH	$6.32M 1.74%	61.84K
FRANKLIN TEMPLETON ETF TRSOLE	SENIOR LOAN ETF	262.50K	SH	$6.15M 1.69%	262.50K
ISHARES TRSOLE	PFD AND INCM SEC	194.42K	SH	$6.02M 1.65%	194.42K
ISHARES TRSOLE	S&P SML 600 GWT	29.45K	SH	$4.16M 1.14%	29.45K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	9.38K	SH	$3.14M 0.86%	9.38K

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