Divergent Planning, LLC

BETHESDA, MD · CIK 1730787 · 13F filing filed 2026-01-12

No investment adviser registration (Form ADV) found for this filer. It may be a parent company whose subsidiaries are the registered advisers, a bank or insurer, or a manager based outside the US.

Others nearbyBethesda, MD

$391.5m reported value +4.1% vs Q3 2025

36positions

90.4%in top 10

2 new 16 added 10 reduced 1 sold out vs Q3 2025

Holdings, Q4 2025

The small lines show how much was held over the last 4 quarters (adjusted for stock splits).

#	Security	Ticker	Shares	Value	% of portfolio	Change	Shares change
1	ISHARES TR CORE S&P500 ETF IVV	IVV	148,837	$102.1m26.08%	26.08%	Added +1.3k	+1,310 0.9%
2	AMERICAN CENTY ETF TR INTL SMCP VLU AVDV	AVDV	529,894	$50.2m12.83%	12.83%	Reduced -2.1k	-2,122 -0.4%
3	SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP MDY	MDY	76,242	$46.6m11.90%	11.90%	Added +2.0k	+1,958 2.6%
4	JANUS DETROIT STR TR HENDERSON MTG JMBS	JMBS	918,067	$41.8m10.69%	10.69%	Added +43.6k	+43,628 5.0%
5	AMERICAN CENTY ETF TR US EQT ETF AVUS	AVUS	242,241	$27.3m6.96%	6.96%	Added +4.4k	+4,394 1.9%
6	DIMENSIONAL ETF TRUST US SMALL CAP ETF DFAS	DFAS	361,021	$25.4m6.49%	6.49%	Added +7.2k	+7,242 2.0%
7	JANUS DETROIT STR TR HENDRSON AAA CL JAAA	JAAA	417,349	$21.1m5.39%	5.39%	Added +23.9k	+23,855 6.1%
8	VANGUARD MUN BD FDS TAX EXEMPT BD VTEB	VTEB	292,191	$14.7m3.76%	3.76%	Added +7.0k	+6,995 2.5%
9	DIMENSIONAL ETF TRUST CORE FIXED INCOM DFCF	DFCF	314,352	$13.4m3.42%	3.42%	Added +3.0k	+2,999 1.0%
10	RBB FD INC US TREAS 3 MNTH TBIL	TBIL	227,379	$11.3m2.90%	2.90%	Added +19.5k	+19,453 9.4%
11	VANGUARD SCOTTSDALE FDS INT-TERM CORP VCIT	VCIT	115,213	$9.6m2.46%	2.46%	Added +1.6k	+1,598 1.4%
12	AMERICAN CENTY ETF TR INTL EQT ETF AVDE	AVDE	109,710	$9.1m2.33%	2.33%	Added +2.1k	+2,149 2.0%
13	SCHWAB STRATEGIC TR INTL SCEQT ETF SCHC	SCHC	137,675	$6.3m1.61%	1.61%	Added +2.8k	+2,750 2.0%
14	APPLE INC COM AAPL	AAPL	8,584	$2.3m0.59%	0.59%	Reduced -266	-266 -3.0%
15	VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF VT	VT	6,964	$989.6k0.25%	0.25%	Reduced -627	-627 -8.3%
16	MARRIOTT INTL INC NEW CL A MAR	MAR	3,017	$945.6k0.24%	0.24%	Reduced -197	-197 -6.1%
17	MORGAN STANLEY COM NEW MS	MS	4,193	$762.7k0.19%	0.19%	New
18	MICROSOFT CORP COM MSFT	MSFT	1,513	$715.4k0.18%	0.18%	Reduced -169	-169 -10.1%
19	VANGUARD INDEX FDS MID CAP ETF VO	VO	2,209	$646.4k0.17%	0.17%	Reduced -178	-178 -7.5%
20	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	1,036	$635.3k0.16%	0.16%	Added +73	+73 7.6%
21	AMAZON COM INC COM AMZN	AMZN	2,560	$579.8k0.15%	0.15%	Unchanged
22	VISA INC COM CL A V	V	1,604	$555.8k0.14%	0.14%	Unchanged
23	LOCKHEED MARTIN CORP COM LMT	LMT	1,009	$501.5k0.13%	0.13%	Unchanged
24	ISHARES TR AGGRES ALLOC ETF AOA	AOA	5,047	$454.5k0.12%	0.12%	Added +72	+72 1.4%
25	ISHARES TR GRWT ALLOCAT ETF AOR	AOR	6,262	$408.8k0.10%	0.10%	Added +174	+174 2.9%
26	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	790	$384.1k0.10%	0.10%	Reduced -72	-72 -8.3%
27	ALPHABET INC CAP STK CL C GOOG	GOOG	1,148	$362.0k0.09%	0.09%	Unchanged
28	INVESCO EXCH TRADED FD TR II S&P500 LOW VOL SPLV	SPLV	4,741	$337.6k0.09%	0.09%	Added +26	+26 0.6%
29	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	960	$322.8k0.08%	0.08%	Reduced -32	-32 -3.2%
30	SPDR GOLD TR GOLD SHS GLD	GLD	775	$308.7k0.08%	0.08%	Unchanged
31	ACCENTURE PLC IRELAND SHS CLASS A ACN	ACN	1,162	$302.1k0.08%	0.08%	Unchanged
32	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	469	$294.7k0.08%	0.08%	Unchanged
33	ISHARES TR CONSER ALLOC ETF AOK	AOK	6,001	$242.0k0.06%	0.06%	New
34	NVIDIA CORPORATION COM NVDA	NVDA	1,163	$219.6k0.06%	0.06%	Reduced -220	-220 -15.9%
35	FS CREDIT OPPORTUNITIES CORP COMMON STOCK FSCO	FSCO	10,146	$64.4k0.02%	0.02%	Reduced -884	-884 -8.0%
36	HEALTH CATALYST INC COM HCAT	HCAT	10,998	$25.1k0.01%	0.01%	Unchanged

Sold out since Q3 2025

Security	Ticker	Shares held before	Value then
BERKSHIRE HATHAWAY INC DEL BRK.B	BRK.B	954	$475.8k954 shares