Divergent Planning, LLC
In its 13F for Q1 2024 (holdings as of March 31, 2024, filed April 12, 2024), Divergent Planning, LLC reported 28 stock positions worth $236.7 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 29.2% of the portfolio, followed by State Street SPDR S&P Midcap (MDY, 14.0%) and Janus Henderson Mortg Backed (JMBS, 12.0%). Compared with Q4 2023, it opened 5 new positions, sold out of 3, added to 12 and reduced 5. The biggest buy was a new position in Dimensional US Small Cap ETF (DFAS) and the biggest sale Dimensional Core Fixed (DFCF, shares −25%).
- Most Recent 13F
- Q4 2025
- Location
- BETHESDA, MD
- CIK
- 0001730787
- Portfolio Value
- $236.7M (Q1 2024)
- SEC Filing
- 0001085146-24-001795 ↗ filed Apr 12, 2024
Holdings Value
Holdings 28 stocks · $236.7M
| IVV iShares Core S&P 500 ETF | 29.17% | 131,526 | $69.0M | Add +0.9% |
| MDY State Street SPDR S&P Midcap | 14.02% | 60,058 | $33.2M | Add +4.5% |
| JMBS Janus Henderson Mortg Backed | 12.04% | 638,785 | $28.5M | Add +4.5% |
| AVDV Avantis Intl S/C Value ETF | 11.96% | 432,279 | $28.3M | Add +3.9% |
| VCIT Vanguard Int-Term Corporate | 8.49% | 252,162 | $20.1M | Add +5.5% |
| AVUS Avantis U.S. Equity ETF | 7.59% | 201,322 | $18.0M | Add +2.6% |
| VTEB Vanguard Tax-Exempt Bond ETF | 4.80% | 225,854 | $11.4M | Add +82.7% |
| DFCF Dimensional Core Fixed Inc. | 4.11% | 233,488 | $9.7M | Reduce -25.2% |
| DFAS Dimensional US Small Cap ETF | 3.82% | 146,643 | $9.1M | New |
| TBIL F/M US Treasury 3 Month Bill | 0.71% | 33,762 | $1.7M | Add +471.1% |
| AAPL Apple Inc. | 0.70% | 9,746 | $1.7M | Reduce -4.2% |
| MAR Marriott International Class A | 0.34% | 3,191 | $802K | No change |
| VT Vanguard Tot World STK ETF | 0.26% | 5,656 | $623K | Add +0.8% |
| AMZN Amazon.com Inc. | 0.24% | 3,192 | $578K | Add +39.3% |
| V Visa Inc. Class A | 0.20% | 1,666 | $464K | Add +29.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.17% | 954 | $401K | No change |
| QQQ Invesco QQQ Trust Series 1 | 0.15% | 815 | $363K | New |
| MSFT Microsoft Corp. | 0.13% | 747 | $317K | New |
| SPLV Invesco S&P 500 Low Volatili | 0.13% | 4,706 | $308K | No change |
| AOA iShares Core 80/20 Aggressiv | 0.12% | 4,009 | $293K | Add +0.4% |
| AOR iShares Core 60/40 Balanced | 0.12% | 5,244 | $291K | Reduce -7.3% |
| LMT Lockheed Martin Corp. | 0.12% | 622 | $282K | No change |
| NVO Novo-Nordisk A/S-Spons ADR | 0.12% | 2,205 | $281K | New |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.12% | 1,125 | $279K | Reduce -37.6% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.11% | 790 | $272K | No change |
| NVDA Nvidia Corp. | 0.11% | 292 | $264K | New |
| EGBN Eagle Bancorp Inc. | 0.09% | 9,338 | $212K | No change |
| FSCO FS Credit Opportunities Corp. | 0.03% | 12,030 | $70K | Reduce -24.6% |
Portfolio Sells Q4 2023 → Q1 2024
| DFCF Dimensional Core Fixed Inc. | Reduce -25.2% | 4.11% | −2.27 |
| LNG Cheniere Energy Inc. | Sold out | 0.00% | −0.37 |
| AAPL Apple Inc. | Reduce -4.2% | 0.70% | −0.21 |
| CVX Chevron Corp. | Sold out | 0.00% | −0.12 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -37.6% | 0.12% | −0.08 |
| NVTAQ Invitae Corp. | Sold out | 0.00% | −0.03 |
| AOR iShares Core 60/40 Balanced | Reduce -7.3% | 0.12% | −0.02 |
| FSCO FS Credit Opportunities Corp. | Reduce -24.6% | 0.03% | −0.01 |
Portfolio Buys Q4 2023 → Q1 2024
| DFAS Dimensional US Small Cap ETF | New | 3.82% | +3.82 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +82.7% | 4.80% | +1.77 |
| TBIL F/M US Treasury 3 Month Bill | Add +471.1% | 0.71% | +0.57 |
| QQQ Invesco QQQ Trust Series 1 | New | 0.15% | +0.15 |
| MSFT Microsoft Corp. | New | 0.13% | +0.13 |
| NVO Novo-Nordisk A/S-Spons ADR | New | 0.12% | +0.12 |
| NVDA Nvidia Corp. | New | 0.11% | +0.11 |
| AMZN Amazon.com Inc. | Add +39.3% | 0.24% | +0.08 |
| V Visa Inc. Class A | Add +29.1% | 0.20% | +0.03 |
| AOA iShares Core 80/20 Aggressiv | Add +0.4% | 0.12% | −0.01 |
| VT Vanguard Tot World STK ETF | Add +0.8% | 0.26% | −0.01 |
| MDY State Street SPDR S&P Midcap | Add +4.5% | 14.02% | −0.02 |
| AVUS Avantis U.S. Equity ETF | Add +2.6% | 7.59% | −0.09 |
| AVDV Avantis Intl S/C Value ETF | Add +3.9% | 11.96% | −0.47 |
| IVV iShares Core S&P 500 ETF | Add +0.9% | 29.17% | −0.71 |
| VCIT Vanguard Int-Term Corporate | Add +5.5% | 8.49% | −0.84 |
| JMBS Janus Henderson Mortg Backed | Add +4.5% | 12.04% | −1.43 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q4 2025 | 36 | $391.5M | IVV, AVDV, MDY, JMBS, AVUS |
| Q3 2025Amended | 35 | $376.2M | IVV, AVDV, MDY, JMBS, AVUS |
| Q2 2025Amended | 35 | $338.4M | IVV, AVDV, MDY, JMBS, AVUS |
| Q1 2025 | 30 | $301.4M | IVV, MDY, AVDV, JMBS, DFAS |
| Q4 2024 | 28 | $292.4M | IVV, MDY, AVDV, JMBS, DFAS |
| Q3 2024 | 29 | $268.3M | IVV, MDY, JMBS, AVDV, AVUS |
| Q2 2024 | 28 | $250.9M | IVV, MDY, JMBS, AVDV, AVUS |
| Q1 2024 | 28 | $236.7M | IVV, MDY, JMBS, AVDV, VCIT |