Divergent Planning, LLC
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 30, 2025), Divergent Planning, LLC reported 35 stock positions worth $338.4 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 26.3% of the portfolio, followed by Avantis Intl S/C Value ETF (AVDV, 12.5%) and State Street SPDR S&P Midcap (MDY, 11.9%). Compared with Q1 2025, it opened 6 new positions, sold out of 1, added to 15 and reduced 8. The biggest buy was a new position in Avantis International Equity (AVDE) and the biggest sale Dimensional US Small Cap ETF (DFAS, shares −28%).
- Most Recent 13F
- Q4 2025
- Location
- BETHESDA, MD
- CIK
- 0001730787
- Portfolio Value
- $338.4M (Q2 2025)
- SEC Filing
- 0001085146-25-004304 ↗ filed Jul 30, 2025
Holdings Value
Holdings 35 stocks · $338.4M
| IVV iShares Core S&P 500 ETF | 26.31% | 143,457 | $89.0M | Add +3.3% |
| AVDV Avantis Intl S/C Value ETF | 12.46% | 531,625 | $42.2M | Add +1.6% |
| MDY State Street SPDR S&P Midcap | 11.91% | 70,243 | $40.3M | Add +5.6% |
| JMBS Janus Henderson Mortg Backed | 10.77% | 812,743 | $36.4M | Add +4.5% |
| AVUS Avantis U.S. Equity ETF | 6.89% | 230,313 | $23.3M | Add +5.2% |
| DFAS Dimensional US Small Cap ETF | 6.53% | 341,545 | $22.1M | Reduce -27.6% |
| JAAA Janus Henderson Aaa Clo ETF | 5.72% | 382,574 | $19.3M | Add +5.1% |
| DFCF Dimensional Core Fixed Inc. | 4.28% | 343,110 | $14.5M | Add +7.2% |
| VTEB Vanguard Tax-Exempt Bond ETF | 4.00% | 276,707 | $13.5M | Add +0.5% |
| VCIT Vanguard Int-Term Corporate | 2.27% | 93,132 | $7.7M | Add +2.3% |
| TBIL F/M US Treasury 3 Month Bill | 2.03% | 137,848 | $6.9M | Add +81.4% |
| AVDE Avantis International Equity | 1.90% | 86,825 | $6.4M | New |
| SCHC Schwab Intl Small-Cap Equity | 1.64% | 130,904 | $5.6M | New |
| AAPL Apple Inc. | 0.56% | 9,180 | $1.9M | Reduce -10.0% |
| VT Vanguard Tot World STK ETF | 0.27% | 7,200 | $925K | Add +28.8% |
| MSFT Microsoft Corp. | 0.26% | 1,806 | $888K | Reduce -5.7% |
| MAR Marriott International Class A | 0.26% | 3,191 | $887K | No change |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.20% | 2,402 | $676K | Add +184.9% |
| AMZN Amazon.com Inc. | 0.17% | 2,670 | $589K | Reduce -11.2% |
| V Visa Inc. Class A | 0.17% | 1,604 | $570K | Reduce -3.7% |
| QQQ Invesco QQQ Trust Series 1 | 0.15% | 910 | $498K | Reduce -15.3% |
| LMT Lockheed Martin Corp. | 0.14% | 1,009 | $470K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.14% | 954 | $467K | No change |
| AOA iShares Core 80/20 Aggressiv | 0.12% | 4,937 | $411K | Add +4.3% |
| AOR iShares Core 60/40 Balanced | 0.11% | 6,117 | $376K | Add +2.4% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.11% | 862 | $374K | Add +9.1% |
| SPLV Invesco S&P 500 Low Volatili | 0.10% | 4,706 | $345K | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.09% | 991 | $301K | New |
| ACN Accenture PLC Class A | 0.09% | 972 | $294K | New |
| NFLX Netflix Inc. | 0.09% | 224 | $290K | Reduce -6.7% |
| VOO Vanguard S&P 500 ETF | 0.08% | 469 | $266K | New |
| GLD SPDR Gold Shares | 0.07% | 775 | $238K | No change |
| GOOG Alphabet Inc. Class C | 0.06% | 1,227 | $217K | Reduce -8.8% |
| FSCO FS Credit Opportunities Corp. | 0.02% | 11,030 | $81K | No change |
| HCAT Health Catalyst Inc. | 0.01% | 10,998 | $45K | New |
Portfolio Sells Q1 2025 → Q2 2025
| DFAS Dimensional US Small Cap ETF | Reduce -27.6% | 6.53% | −2.99 |
| AAPL Apple Inc. | Reduce -10.0% | 0.56% | −0.19 |
| MLPB Etracs Alerian Infrast Ser B | Sold out | 0.00% | −0.07 |
| V Visa Inc. Class A | Reduce -3.7% | 0.17% | −0.02 |
| AMZN Amazon.com Inc. | Reduce -11.2% | 0.17% | −0.02 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -15.3% | 0.15% | −0.01 |
| GOOG Alphabet Inc. Class C | Reduce -8.8% | 0.06% | −0.01 |
| NFLX Netflix Inc. | Reduce -6.7% | 0.09% | +0.01 |
| MSFT Microsoft Corp. | Reduce -5.7% | 0.26% | +0.02 |
Portfolio Buys Q1 2025 → Q2 2025
| AVDE Avantis International Equity | New | 1.90% | +1.90 |
| SCHC Schwab Intl Small-Cap Equity | New | 1.64% | +1.64 |
| TBIL F/M US Treasury 3 Month Bill | Add +81.4% | 2.03% | +0.77 |
| AVDV Avantis Intl S/C Value ETF | Add +1.6% | 12.46% | +0.64 |
| IVV iShares Core S&P 500 ETF | Add +3.3% | 26.31% | +0.18 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +184.9% | 0.20% | +0.13 |
| AVUS Avantis U.S. Equity ETF | Add +5.2% | 6.89% | +0.10 |
| VTI VG Morningstar TS MKT ETF-US | New | 0.09% | +0.09 |
| ACN Accenture PLC Class A | New | 0.09% | +0.09 |
| VOO Vanguard S&P 500 ETF | New | 0.08% | +0.08 |
| VT Vanguard Tot World STK ETF | Add +28.8% | 0.27% | +0.06 |
| HCAT Health Catalyst Inc. | New | 0.01% | +0.01 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +9.1% | 0.11% | +0.01 |
| AOA iShares Core 80/20 Aggressiv | Add +4.3% | 0.12% | +0.00 |
| AOR iShares Core 60/40 Balanced | Add +2.4% | 0.11% | −0.00 |
| MDY State Street SPDR S&P Midcap | Add +5.6% | 11.91% | −0.11 |
| DFCF Dimensional Core Fixed Inc. | Add +7.2% | 4.28% | −0.20 |
| VCIT Vanguard Int-Term Corporate | Add +2.3% | 2.27% | −0.20 |
| JAAA Janus Henderson Aaa Clo ETF | Add +5.1% | 5.72% | −0.35 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +0.5% | 4.00% | −0.55 |
| JMBS Janus Henderson Mortg Backed | Add +4.5% | 10.77% | −0.94 |
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 |