Divergent Planning, LLC
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed April 9, 2025), Divergent Planning, LLC reported 30 stock positions worth $301.4 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 26.1% of the portfolio, followed by State Street SPDR S&P Midcap (MDY, 12.0%) and Avantis Intl S/C Value ETF (AVDV, 11.8%). Compared with Q4 2024, it opened 3 new positions, sold out of 1, added to 18 and reduced 1. The biggest buy was F/M US Treasury 3 Month Bill (TBIL, shares +125%) and the biggest sale an exit from Eagle Bancorp (EGBN).
- Most Recent 13F
- Q4 2025
- Location
- BETHESDA, MD
- CIK
- 0001730787
- Portfolio Value
- $301.4M (Q1 2025)
- SEC Filing
- 0001085146-25-001963 ↗ filed Apr 9, 2025
Holdings Value
Holdings 30 stocks · $301.4M
| IVV iShares Core S&P 500 ETF | 26.13% | 138,839 | $78.7M | Add +0.6% |
| MDY State Street SPDR S&P Midcap | 12.02% | 66,502 | $36.2M | Add +2.4% |
| AVDV Avantis Intl S/C Value ETF | 11.83% | 523,448 | $35.6M | Add +2.2% |
| JMBS Janus Henderson Mortg Backed | 11.71% | 777,355 | $35.3M | Add +5.0% |
| DFAS Dimensional US Small Cap ETF | 9.52% | 471,570 | $28.7M | Add +3.5% |
| AVUS Avantis U.S. Equity ETF | 6.79% | 218,852 | $20.5M | Add +1.4% |
| JAAA Janus Henderson Aaa Clo ETF | 6.07% | 363,917 | $18.3M | Add +5.4% |
| VTEB Vanguard Tax-Exempt Bond ETF | 4.55% | 275,302 | $13.7M | Add +3.9% |
| DFCF Dimensional Core Fixed Inc. | 4.48% | 320,132 | $13.5M | Add +8.2% |
| VCIT Vanguard Int-Term Corporate | 2.47% | 91,087 | $7.4M | Add +6.4% |
| TBIL F/M US Treasury 3 Month Bill | 1.26% | 76,005 | $3.8M | Add +125.1% |
| AAPL Apple Inc. | 0.76% | 10,196 | $2.3M | Add +12.8% |
| MAR Marriott International Class A | 0.26% | 3,191 | $774K | No change |
| MSFT Microsoft Corp. | 0.24% | 1,916 | $732K | Add +33.6% |
| VT Vanguard Tot World STK ETF | 0.22% | 5,589 | $654K | Add +1.7% |
| AMZN Amazon.com Inc. | 0.20% | 3,006 | $589K | Add +10.5% |
| V Visa Inc. Class A | 0.19% | 1,666 | $577K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.17% | 954 | $513K | No change |
| QQQ Invesco QQQ Trust Series 1 | 0.16% | 1,075 | $484K | Add +2.3% |
| LMT Lockheed Martin Corp. | 0.15% | 1,009 | $457K | No change |
| AOA iShares Core 80/20 Aggressiv | 0.12% | 4,731 | $364K | Add +0.0% |
| SPLV Invesco S&P 500 Low Volatili | 0.12% | 4,706 | $349K | No change |
| AOR iShares Core 60/40 Balanced | 0.11% | 5,976 | $336K | No change |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.10% | 790 | $298K | No change |
| NFLX Netflix Inc. | 0.07% | 240 | $225K | New |
| GLD SPDR Gold Shares | 0.07% | 775 | $223K | New |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.07% | 843 | $221K | Reduce -3.7% |
| GOOG Alphabet Inc. Class C | 0.07% | 1,345 | $214K | Add +27.7% |
| MLPB Etracs Alerian Infrast Ser B filed as UBS AG LONDON BRANCH | 0.07% | 7,300 | $205K | New |
| FSCO FS Credit Opportunities Corp. | 0.03% | 11,030 | $78K | No change |
Portfolio Sells Q4 2024 → Q1 2025
Portfolio Buys Q4 2024 → Q1 2025
| TBIL F/M US Treasury 3 Month Bill | Add +125.1% | 1.26% | +0.68 |
| JMBS Janus Henderson Mortg Backed | Add +5.0% | 11.71% | +0.66 |
| AVDV Avantis Intl S/C Value ETF | Add +2.2% | 11.83% | +0.64 |
| DFCF Dimensional Core Fixed Inc. | Add +8.2% | 4.48% | +0.35 |
| VCIT Vanguard Int-Term Corporate | Add +6.4% | 2.47% | +0.15 |
| NFLX Netflix Inc. | New | 0.07% | +0.07 |
| GLD SPDR Gold Shares | New | 0.07% | +0.07 |
| JAAA Janus Henderson Aaa Clo ETF | Add +5.4% | 6.07% | +0.07 |
| MLPB Etracs Alerian Infrast Ser B | New | 0.07% | +0.07 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +3.9% | 4.55% | +0.04 |
| MSFT Microsoft Corp. | Add +33.6% | 0.24% | +0.04 |
| AAPL Apple Inc. | Add +12.8% | 0.76% | +0.03 |
| GOOG Alphabet Inc. Class C | Add +27.7% | 0.07% | +0.00 |
| VT Vanguard Tot World STK ETF | Add +1.7% | 0.22% | −0.00 |
| AOA iShares Core 80/20 Aggressiv | Add +0.0% | 0.12% | −0.00 |
| AMZN Amazon.com Inc. | Add +10.5% | 0.20% | −0.01 |
| QQQ Invesco QQQ Trust Series 1 | Add +2.3% | 0.16% | −0.02 |
| AVUS Avantis U.S. Equity ETF | Add +1.4% | 6.79% | −0.32 |
| DFAS Dimensional US Small Cap ETF | Add +3.5% | 9.52% | −0.46 |
| MDY State Street SPDR S&P Midcap | Add +2.4% | 12.02% | −0.54 |
| IVV iShares Core S&P 500 ETF | Add +0.6% | 26.13% | −1.41 |
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 |