Divergent Planning, LLC
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 7, 2024), Divergent Planning, LLC reported 29 stock positions worth $268.3 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, 13.5%) and Janus Henderson Mortg Backed (JMBS, 12.2%). Compared with Q2 2024, it opened 1 new position, added to 14 and reduced 4. The biggest buy was State Street SPDR S&P Midcap (MDY, shares +3%) and the biggest sale F/M US Treasury 3 Month Bill (TBIL, shares −68%).
- Most Recent 13F
- Q4 2025
- Location
- BETHESDA, MD
- CIK
- 0001730787
- Portfolio Value
- $268.3M (Q3 2024)
- SEC Filing
- 0001085146-24-004686 ↗ filed Oct 7, 2024
Holdings Value
Holdings 29 stocks · $268.3M
| IVV iShares Core S&P 500 ETF | 29.18% | 136,011 | $78.3M | Add +1.3% |
| MDY State Street SPDR S&P Midcap | 13.54% | 63,830 | $36.3M | Add +3.1% |
| JMBS Janus Henderson Mortg Backed | 12.16% | 709,359 | $32.6M | Add +5.7% |
| AVDV Avantis Intl S/C Value ETF | 11.88% | 454,458 | $31.9M | Add +2.9% |
| AVUS Avantis U.S. Equity ETF | 7.53% | 211,951 | $20.2M | Add +3.0% |
| JAAA Janus Henderson Aaa Clo ETF | 5.97% | 316,250 | $16.0M | Add +6.9% |
| VTEB Vanguard Tax-Exempt Bond ETF | 4.88% | 257,641 | $13.1M | Add +9.3% |
| DFCF Dimensional Core Fixed Inc. | 4.66% | 291,939 | $12.5M | Add +5.4% |
| DFAS Dimensional US Small Cap ETF | 3.81% | 158,668 | $10.2M | Add +4.5% |
| VCIT Vanguard Int-Term Corporate | 2.55% | 82,677 | $6.8M | Add +6.4% |
| AAPL Apple Inc. | 0.80% | 9,467 | $2.1M | Reduce -1.5% |
| TBIL F/M US Treasury 3 Month Bill | 0.43% | 23,304 | $1.2M | Reduce -68.4% |
| MAR Marriott International Class A | 0.30% | 3,191 | $812K | No change |
| VT Vanguard Tot World STK ETF | 0.24% | 5,383 | $643K | Add +2.9% |
| MSFT Microsoft Corp. | 0.22% | 1,434 | $596K | Add +92.0% |
| AMZN Amazon.com Inc. | 0.21% | 3,036 | $566K | No change |
| QQQ Invesco QQQ Trust Series 1 | 0.19% | 1,026 | $500K | No change |
| V Visa Inc. Class A | 0.17% | 1,666 | $463K | No change |
| NVDA Nvidia Corp. | 0.17% | 3,551 | $444K | Add +1.5% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.16% | 954 | $441K | No change |
| LMT Lockheed Martin Corp. | 0.14% | 622 | $376K | No change |
| AOA iShares Core 80/20 Aggressiv | 0.14% | 4,697 | $368K | Add +20.6% |
| SPLV Invesco S&P 500 Low Volatili | 0.13% | 4,706 | $337K | No change |
| AOR iShares Core 60/40 Balanced | 0.12% | 5,613 | $330K | Reduce -0.2% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.11% | 790 | $303K | No change |
| NVO Novo-Nordisk A/S-Spons ADR | 0.09% | 2,205 | $254K | No change |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.09% | 875 | $231K | No change |
| EGBN Eagle Bancorp Inc. | 0.08% | 9,338 | $218K | New |
| FSCO FS Credit Opportunities Corp. | 0.03% | 11,030 | $73K | Reduce -8.3% |
Portfolio Sells Q2 2024 → Q3 2024
Portfolio Buys Q2 2024 → Q3 2024
| MDY State Street SPDR S&P Midcap | Add +3.1% | 13.54% | +0.39 |
| JMBS Janus Henderson Mortg Backed | Add +5.7% | 12.16% | +0.25 |
| AVDV Avantis Intl S/C Value ETF | Add +2.9% | 11.88% | +0.23 |
| DFAS Dimensional US Small Cap ETF | Add +4.5% | 3.81% | +0.19 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +9.3% | 4.88% | +0.17 |
| MSFT Microsoft Corp. | Add +92.0% | 0.22% | +0.09 |
| EGBN Eagle Bancorp Inc. | New | 0.08% | +0.08 |
| AVUS Avantis U.S. Equity ETF | Add +3.0% | 7.53% | +0.08 |
| VCIT Vanguard Int-Term Corporate | Add +6.4% | 2.55% | +0.07 |
| DFCF Dimensional Core Fixed Inc. | Add +5.4% | 4.66% | +0.06 |
| AOA iShares Core 80/20 Aggressiv | Add +20.6% | 0.14% | +0.02 |
| VT Vanguard Tot World STK ETF | Add +2.9% | 0.24% | +0.00 |
| JAAA Janus Henderson Aaa Clo ETF | Add +6.9% | 5.97% | +0.00 |
| NVDA Nvidia Corp. | Add +1.5% | 0.17% | −0.01 |
| IVV iShares Core S&P 500 ETF | Add +1.3% | 29.18% | −0.48 |
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 |