Divergent Planning, LLC
In its 13F for Q2 2024 (holdings as of June 30, 2024, filed July 12, 2024), Divergent Planning, LLC reported 28 stock positions worth $250.9 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 29.7% of the portfolio, followed by State Street SPDR S&P Midcap (MDY, 13.2%) and Janus Henderson Mortg Backed (JMBS, 11.9%). Compared with Q1 2024, it opened 1 new position, sold out of 1, added to 12 and reduced 6. The biggest buy was a new position in Janus Henderson Aaa Clo ETF (JAAA) and the biggest sale Vanguard Int-Term Corporate (VCIT, shares −69%).
- Most Recent 13F
- Q4 2025
- Location
- BETHESDA, MD
- CIK
- 0001730787
- Portfolio Value
- $250.9M (Q2 2024)
- SEC Filing
- 0001085146-24-002905 ↗ filed Jul 12, 2024
Holdings Value
Holdings 28 stocks · $250.9M
| IVV iShares Core S&P 500 ETF | 29.67% | 134,288 | $74.4M | Add +2.1% |
| MDY State Street SPDR S&P Midcap | 13.15% | 61,926 | $33.0M | Add +3.1% |
| JMBS Janus Henderson Mortg Backed | 11.91% | 671,251 | $29.9M | Add +5.1% |
| AVDV Avantis Intl S/C Value ETF | 11.65% | 441,760 | $29.2M | Add +2.2% |
| AVUS Avantis U.S. Equity ETF | 7.46% | 205,802 | $18.7M | Add +2.2% |
| JAAA Janus Henderson Aaa Clo ETF | 5.97% | 295,961 | $15.0M | New |
| VTEB Vanguard Tax-Exempt Bond ETF | 4.71% | 235,786 | $11.8M | Add +4.4% |
| DFCF Dimensional Core Fixed Inc. | 4.60% | 277,010 | $11.6M | Add +18.6% |
| DFAS Dimensional US Small Cap ETF | 3.62% | 151,897 | $9.1M | Add +3.6% |
| VCIT Vanguard Int-Term Corporate | 2.48% | 77,683 | $6.2M | Reduce -69.2% |
| TBIL F/M US Treasury 3 Month Bill | 1.46% | 73,708 | $3.7M | Add +118.3% |
| AAPL Apple Inc. | 0.85% | 9,608 | $2.1M | Reduce -1.4% |
| MAR Marriott International Class A | 0.31% | 3,191 | $766K | No change |
| AMZN Amazon.com Inc. | 0.24% | 3,036 | $600K | Reduce -4.9% |
| VT Vanguard Tot World STK ETF | 0.24% | 5,234 | $598K | Reduce -7.5% |
| QQQ Invesco QQQ Trust Series 1 | 0.20% | 1,026 | $504K | Add +25.9% |
| NVDA Nvidia Corp. | 0.18% | 3,500 | $449K | Add +19.9% |
| V Visa Inc. Class A | 0.18% | 1,666 | $448K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.15% | 954 | $387K | No change |
| MSFT Microsoft Corp. | 0.14% | 747 | $344K | No change |
| AOR iShares Core 60/40 Balanced | 0.13% | 5,623 | $317K | Add +7.2% |
| NVO Novo-Nordisk A/S-Spons ADR | 0.12% | 2,205 | $306K | No change |
| SPLV Invesco S&P 500 Low Volatili | 0.12% | 4,706 | $305K | No change |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.12% | 790 | $302K | No change |
| AOA iShares Core 80/20 Aggressiv | 0.12% | 3,893 | $292K | Reduce -2.9% |
| LMT Lockheed Martin Corp. | 0.12% | 622 | $290K | No change |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.08% | 875 | $211K | Reduce -22.2% |
| FSCO FS Credit Opportunities Corp. | 0.03% | 12,030 | $77K | No change |
Portfolio Sells Q1 2024 → Q2 2024
| VCIT Vanguard Int-Term Corporate | Reduce -69.2% | 2.48% | −6.01 |
| EGBN Eagle Bancorp Inc. | Sold out | 0.00% | −0.09 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -22.2% | 0.08% | −0.03 |
| VT Vanguard Tot World STK ETF | Reduce -7.5% | 0.24% | −0.03 |
| AOA iShares Core 80/20 Aggressiv | Reduce -2.9% | 0.12% | −0.01 |
| AMZN Amazon.com Inc. | Reduce -4.9% | 0.24% | −0.01 |
| AAPL Apple Inc. | Reduce -1.4% | 0.85% | +0.15 |
Portfolio Buys Q1 2024 → Q2 2024
| JAAA Janus Henderson Aaa Clo ETF | New | 5.97% | +5.97 |
| TBIL F/M US Treasury 3 Month Bill | Add +118.3% | 1.46% | +0.75 |
| IVV iShares Core S&P 500 ETF | Add +2.1% | 29.67% | +0.50 |
| DFCF Dimensional Core Fixed Inc. | Add +18.6% | 4.60% | +0.49 |
| NVDA Nvidia Corp. | Add +19.9% | 0.18% | +0.07 |
| QQQ Invesco QQQ Trust Series 1 | Add +25.9% | 0.20% | +0.05 |
| AOR iShares Core 60/40 Balanced | Add +7.2% | 0.13% | +0.00 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +4.4% | 4.71% | −0.09 |
| AVUS Avantis U.S. Equity ETF | Add +2.2% | 7.46% | −0.14 |
| JMBS Janus Henderson Mortg Backed | Add +5.1% | 11.91% | −0.14 |
| DFAS Dimensional US Small Cap ETF | Add +3.6% | 3.62% | −0.21 |
| AVDV Avantis Intl S/C Value ETF | Add +2.2% | 11.65% | −0.31 |
| MDY State Street SPDR S&P Midcap | Add +3.1% | 13.15% | −0.86 |
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 |