Divergent Planning, LLC
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 16, 2025), Divergent Planning, LLC reported 28 stock positions worth $292.4 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 27.5% of the portfolio, followed by State Street SPDR S&P Midcap (MDY, 12.6%) and Avantis Intl S/C Value ETF (AVDV, 11.2%). Compared with Q3 2024, it opened 1 new position, sold out of 2, added to 16 and reduced 2. The biggest buy was Dimensional US Small Cap ETF (DFAS, shares +187%) and the biggest sale an exit from Nvidia (NVDA).
- Most Recent 13F
- Q4 2025
- Location
- BETHESDA, MD
- CIK
- 0001730787
- Portfolio Value
- $292.4M (Q4 2024)
- SEC Filing
- 0001085146-25-000255 ↗ filed Jan 16, 2025
Holdings Value
Holdings 28 stocks · $292.4M
| IVV iShares Core S&P 500 ETF | 27.54% | 138,057 | $80.5M | Add +1.5% |
| MDY State Street SPDR S&P Midcap | 12.56% | 64,928 | $36.7M | Add +1.7% |
| AVDV Avantis Intl S/C Value ETF | 11.19% | 512,171 | $32.7M | Add +12.7% |
| JMBS Janus Henderson Mortg Backed | 11.05% | 740,025 | $32.3M | Add +4.3% |
| DFAS Dimensional US Small Cap ETF | 9.99% | 455,407 | $29.2M | Add +187.0% |
| AVUS Avantis U.S. Equity ETF | 7.11% | 215,906 | $20.8M | Add +1.9% |
| JAAA Janus Henderson Aaa Clo ETF | 6.00% | 345,374 | $17.5M | Add +9.2% |
| VTEB Vanguard Tax-Exempt Bond ETF | 4.50% | 264,959 | $13.2M | Add +2.8% |
| DFCF Dimensional Core Fixed Inc. | 4.13% | 295,813 | $12.1M | Add +1.3% |
| VCIT Vanguard Int-Term Corporate | 2.32% | 85,609 | $6.8M | Add +3.5% |
| AAPL Apple Inc. | 0.73% | 9,042 | $2.1M | Reduce -4.5% |
| TBIL F/M US Treasury 3 Month Bill | 0.58% | 33,771 | $1.7M | Add +44.9% |
| MAR Marriott International Class A | 0.30% | 3,191 | $864K | No change |
| VT Vanguard Tot World STK ETF | 0.22% | 5,496 | $638K | Add +2.1% |
| MSFT Microsoft Corp. | 0.21% | 1,434 | $601K | No change |
| AMZN Amazon.com Inc. | 0.20% | 2,720 | $596K | Reduce -10.4% |
| QQQ Invesco QQQ Trust Series 1 | 0.18% | 1,051 | $533K | Add +2.4% |
| V Visa Inc. Class A | 0.18% | 1,666 | $513K | No change |
| LMT Lockheed Martin Corp. | 0.16% | 1,009 | $472K | Add +62.2% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.14% | 954 | $422K | No change |
| AOA iShares Core 80/20 Aggressiv | 0.12% | 4,729 | $358K | Add +0.7% |
| AOR iShares Core 60/40 Balanced | 0.12% | 5,976 | $339K | Add +6.5% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.11% | 790 | $322K | No change |
| SPLV Invesco S&P 500 Low Volatili | 0.11% | 4,706 | $322K | No change |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.08% | 875 | $230K | No change |
| EGBN Eagle Bancorp Inc. | 0.07% | 9,338 | $219K | No change |
| GOOG Alphabet Inc. Class C | 0.07% | 1,053 | $203K | New |
| FSCO FS Credit Opportunities Corp. | 0.03% | 11,030 | $75K | No change |
Portfolio Sells Q3 2024 → Q4 2024
Portfolio Buys Q3 2024 → Q4 2024
| DFAS Dimensional US Small Cap ETF | Add +187.0% | 9.99% | +6.18 |
| TBIL F/M US Treasury 3 Month Bill | Add +44.9% | 0.58% | +0.14 |
| GOOG Alphabet Inc. Class C | New | 0.07% | +0.07 |
| JAAA Janus Henderson Aaa Clo ETF | Add +9.2% | 6.00% | +0.03 |
| LMT Lockheed Martin Corp. | Add +62.2% | 0.16% | +0.02 |
| QQQ Invesco QQQ Trust Series 1 | Add +2.4% | 0.18% | −0.00 |
| AOR iShares Core 60/40 Balanced | Add +6.5% | 0.12% | −0.01 |
| AOA iShares Core 80/20 Aggressiv | Add +0.7% | 0.12% | −0.01 |
| VT Vanguard Tot World STK ETF | Add +2.1% | 0.22% | −0.02 |
| VCIT Vanguard Int-Term Corporate | Add +3.5% | 2.32% | −0.23 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +2.8% | 4.50% | −0.38 |
| AVUS Avantis U.S. Equity ETF | Add +1.9% | 7.11% | −0.42 |
| DFCF Dimensional Core Fixed Inc. | Add +1.3% | 4.13% | −0.53 |
| AVDV Avantis Intl S/C Value ETF | Add +12.7% | 11.19% | −0.69 |
| MDY State Street SPDR S&P Midcap | Add +1.7% | 12.56% | −0.98 |
| JMBS Janus Henderson Mortg Backed | Add +4.3% | 11.05% | −1.11 |
| IVV iShares Core S&P 500 ETF | Add +1.5% | 27.54% | −1.64 |
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 |