Divergent Planning, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 27, 2025), Divergent Planning, LLC reported 35 stock positions worth $376.2 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 26.4% of the portfolio, followed by Avantis Intl S/C Value ETF (AVDV, 12.7%) and State Street SPDR S&P Midcap (MDY, 11.9%). Compared with Q2 2025, it opened 1 new position, sold out of 1, added to 19 and reduced 7. The biggest buy was F/M US Treasury 3 Month Bill (TBIL, shares +51%) and the biggest sale Dimensional Core Fixed (DFCF, shares −9%).
- Most Recent 13F
- Q4 2025
- Location
- BETHESDA, MD
- CIK
- 0001730787
- Portfolio Value
- $376.2M (Q3 2025)
- SEC Filing
- 0001730787-25-000004 ↗ filed Oct 27, 2025
Holdings Value
Holdings 35 stocks · $376.2M
| IVV iShares Core S&P 500 ETF | 26.37% | 147,527 | $99.2M | Add +2.8% |
| AVDV Avantis Intl S/C Value ETF | 12.73% | 532,016 | $47.9M | Add +0.1% |
| MDY State Street SPDR S&P Midcap | 11.86% | 74,284 | $44.6M | Add +5.8% |
| JMBS Janus Henderson Mortg Backed | 10.61% | 874,439 | $39.9M | Add +7.6% |
| AVUS Avantis U.S. Equity ETF | 6.91% | 237,847 | $26.0M | Add +3.3% |
| DFAS Dimensional US Small Cap ETF | 6.50% | 353,779 | $24.4M | Add +3.6% |
| JAAA Janus Henderson Aaa Clo ETF | 5.29% | 393,494 | $19.9M | Add +2.9% |
| VTEB Vanguard Tax-Exempt Bond ETF | 3.79% | 285,196 | $14.3M | Add +3.1% |
| DFCF Dimensional Core Fixed Inc. | 3.55% | 311,353 | $13.3M | Reduce -9.3% |
| TBIL F/M US Treasury 3 Month Bill | 2.76% | 207,926 | $10.4M | Add +50.8% |
| VCIT Vanguard Int-Term Corporate | 2.54% | 113,615 | $9.6M | Add +22.0% |
| AVDE Avantis International Equity | 2.29% | 107,561 | $8.6M | Add +23.9% |
| SCHC Schwab Intl Small-Cap Equity | 1.65% | 134,925 | $6.2M | Add +3.1% |
| AAPL Apple Inc. | 0.61% | 8,850 | $2.3M | Reduce -3.6% |
| VT Vanguard Tot World STK ETF | 0.28% | 7,591 | $1.1M | Add +5.4% |
| MSFT Microsoft Corp. | 0.23% | 1,682 | $870K | Reduce -6.9% |
| MAR Marriott International Class A | 0.23% | 3,214 | $860K | Add +0.7% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.19% | 2,387 | $705K | Reduce -0.6% |
| QQQ Invesco QQQ Trust Series 1 | 0.15% | 963 | $581K | Add +5.8% |
| AMZN Amazon.com Inc. | 0.15% | 2,560 | $562K | Reduce -4.1% |
| V Visa Inc. Class A | 0.15% | 1,604 | $561K | No change |
| LMT Lockheed Martin Corp. | 0.14% | 1,009 | $509K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.13% | 954 | $476K | No change |
| AOA iShares Core 80/20 Aggressiv | 0.12% | 4,975 | $441K | Add +0.8% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.11% | 862 | $415K | No change |
| AOR iShares Core 60/40 Balanced | 0.10% | 6,088 | $393K | Reduce -0.5% |
| SPLV Invesco S&P 500 Low Volatili | 0.09% | 4,715 | $344K | Add +0.2% |
| VTI VG Morningstar TS MKT ETF-US | 0.09% | 992 | $327K | Add +0.1% |
| VOO Vanguard S&P 500 ETF | 0.08% | 469 | $289K | No change |
| ACN Accenture PLC Class A | 0.08% | 1,162 | $285K | Add +19.6% |
| GOOG Alphabet Inc. Class C | 0.08% | 1,148 | $283K | Reduce -6.4% |
| GLD SPDR Gold Shares | 0.07% | 775 | $277K | No change |
| NVDA Nvidia Corp. | 0.07% | 1,383 | $259K | New |
| FSCO FS Credit Opportunities Corp. | 0.02% | 11,030 | $77K | No change |
| HCAT Health Catalyst Inc. | 0.01% | 10,998 | $33K | No change |
Portfolio Sells Q2 2025 → Q3 2025
| DFCF Dimensional Core Fixed Inc. | Reduce -9.3% | 3.55% | −0.74 |
| NFLX Netflix Inc. | Sold out | 0.00% | −0.09 |
| MSFT Microsoft Corp. | Reduce -6.9% | 0.23% | −0.03 |
| AMZN Amazon.com Inc. | Reduce -4.1% | 0.15% | −0.02 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -0.6% | 0.19% | −0.01 |
| AOR iShares Core 60/40 Balanced | Reduce -0.5% | 0.10% | −0.01 |
| GOOG Alphabet Inc. Class C | Reduce -6.4% | 0.08% | +0.01 |
| AAPL Apple Inc. | Reduce -3.6% | 0.61% | +0.04 |
Portfolio Buys Q2 2025 → Q3 2025
| TBIL F/M US Treasury 3 Month Bill | Add +50.8% | 2.76% | +0.73 |
| AVDE Avantis International Equity | Add +23.9% | 2.29% | +0.39 |
| AVDV Avantis Intl S/C Value ETF | Add +0.1% | 12.73% | +0.27 |
| VCIT Vanguard Int-Term Corporate | Add +22.0% | 2.54% | +0.27 |
| NVDA Nvidia Corp. | New | 0.07% | +0.07 |
| IVV iShares Core S&P 500 ETF | Add +2.8% | 26.37% | +0.06 |
| AVUS Avantis U.S. Equity ETF | Add +3.3% | 6.91% | +0.02 |
| SCHC Schwab Intl Small-Cap Equity | Add +3.1% | 1.65% | +0.01 |
| QQQ Invesco QQQ Trust Series 1 | Add +5.8% | 0.15% | +0.01 |
| VT Vanguard Tot World STK ETF | Add +5.4% | 0.28% | +0.01 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.1% | 0.09% | −0.00 |
| AOA iShares Core 80/20 Aggressiv | Add +0.8% | 0.12% | −0.00 |
| SPLV Invesco S&P 500 Low Volatili | Add +0.2% | 0.09% | −0.01 |
| ACN Accenture PLC Class A | Add +19.6% | 0.08% | −0.01 |
| DFAS Dimensional US Small Cap ETF | Add +3.6% | 6.50% | −0.03 |
| MAR Marriott International Class A | Add +0.7% | 0.23% | −0.03 |
| MDY State Street SPDR S&P Midcap | Add +5.8% | 11.86% | −0.05 |
| JMBS Janus Henderson Mortg Backed | Add +7.6% | 10.61% | −0.16 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +3.1% | 3.79% | −0.21 |
| JAAA Janus Henderson Aaa Clo ETF | Add +2.9% | 5.29% | −0.42 |
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 |