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Divergent Planning, LLC

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13F filer, CIK 1730787, BETHESDA, MD

Divergent Planning, LLC reported $376,178,159 across 35 holdings for the quarter ended 2025-09-30, in a 13F-HR/A filed 2025-10-27. Its ten largest share positions make up 90.36% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR/A 0001730787-25-000004

Period
2025-09-30
Reported value
$376M
Holdings
35
Top 10 weight
90.36%
New
1
Sold out
1

Largest buys vs the previous quarter

SecurityShares changeApprox. value
TBILadded+70,078$3.49M
JMBSadded+61,696$2.82M
IVVadded+4,070$2.74M
MDYadded+4,041$2.43M
VCITadded+20,483$1.72M

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Largest sells vs the previous quarter

SecurityShares changeApprox. value
DFCFreduced-31,757-$1.36M
NFLXexited-224-$290K
AAPLreduced-330-$85.1K
MSFTreduced-124-$64.1K
AMZNreduced-110-$24.1K

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Holdings, Q3 2025

Share positions as resolved from 13F-HR/A 0001730787-25-000004, largest first. % of portfolio is the value over $376,178,159, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
IVVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 131,526 shares; 2024Q2: 134,288 shares; 2024Q3: 136,011 shares; 2024Q4: 138,057 shares; 2025Q1: 138,839 shares; 2025Q2: 143,457 shares; 2025Q3: 147,527 shares 147,527$99.2M26.37%+4,070Timeline
AVDVAMERICAN CENTY ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 432,279 shares; 2024Q2: 441,760 shares; 2024Q3: 454,458 shares; 2024Q4: 512,171 shares; 2025Q1: 523,448 shares; 2025Q2: 531,625 shares; 2025Q3: 532,016 shares 532,016$47.9M12.73%+391Timeline
MDYSTATE STR SPDR S&P MIDCAP 40Quarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 60,058 shares; 2024Q2: 61,926 shares; 2024Q3: 63,830 shares; 2024Q4: 64,928 shares; 2025Q1: 66,502 shares; 2025Q2: 70,243 shares; 2025Q3: 74,284 shares 74,284$44.6M11.86%+4,041Timeline
JMBSJANUS DETROIT STR TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 638,785 shares; 2024Q2: 671,251 shares; 2024Q3: 709,359 shares; 2024Q4: 740,025 shares; 2025Q1: 777,355 shares; 2025Q2: 812,743 shares; 2025Q3: 874,439 shares 874,439$39.9M10.61%+61,696Timeline
AVUSAMERICAN CENTY ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 201,322 shares; 2024Q2: 205,802 shares; 2024Q3: 211,951 shares; 2024Q4: 215,906 shares; 2025Q1: 218,852 shares; 2025Q2: 230,313 shares; 2025Q3: 237,847 shares 237,847$26M6.91%+7,534Timeline
DFASDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 146,643 shares; 2024Q2: 151,897 shares; 2024Q3: 158,668 shares; 2024Q4: 455,407 shares; 2025Q1: 471,570 shares; 2025Q2: 341,545 shares; 2025Q3: 353,779 shares 353,779$24.4M6.5%+12,234Timeline
JAAAJANUS DETROIT STR TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: not reported; 2024Q2: 295,961 shares; 2024Q3: 316,250 shares; 2024Q4: 345,374 shares; 2025Q1: 363,917 shares; 2025Q2: 382,574 shares; 2025Q3: 393,494 shares 393,494$19.9M5.29%+10,920Timeline
VTEBVANGUARD MUN BD FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 225,854 shares; 2024Q2: 235,786 shares; 2024Q3: 257,641 shares; 2024Q4: 264,959 shares; 2025Q1: 275,302 shares; 2025Q2: 276,707 shares; 2025Q3: 285,196 shares 285,196$14.3M3.79%+8,489Timeline
DFCFDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 233,488 shares; 2024Q2: 277,010 shares; 2024Q3: 291,939 shares; 2024Q4: 295,813 shares; 2025Q1: 320,132 shares; 2025Q2: 343,110 shares; 2025Q3: 311,353 shares 311,353$13.3M3.55%-31,757Timeline
TBILRBB FD INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 33,762 shares; 2024Q2: 73,708 shares; 2024Q3: 23,304 shares; 2024Q4: 33,771 shares; 2025Q1: 76,005 shares; 2025Q2: 137,848 shares; 2025Q3: 207,926 shares 207,926$10.4M2.76%+70,078Timeline
VCITVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 252,162 shares; 2024Q2: 77,683 shares; 2024Q3: 82,677 shares; 2024Q4: 85,609 shares; 2025Q1: 91,087 shares; 2025Q2: 93,132 shares; 2025Q3: 113,615 shares 113,615$9.55M2.54%+20,483Timeline
AVDEAMERICAN CENTY ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 86,825 shares; 2025Q3: 107,561 shares 107,561$8.6M2.29%+20,736Timeline
SCHCSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 130,904 shares; 2025Q3: 134,925 shares 134,925$6.21M1.65%+4,021Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 9,746 shares; 2024Q2: 9,608 shares; 2024Q3: 9,467 shares; 2024Q4: 9,042 shares; 2025Q1: 10,196 shares; 2025Q2: 9,180 shares; 2025Q3: 8,850 shares 8,850$2.28M0.61%-330Timeline
VTVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 5,656 shares; 2024Q2: 5,234 shares; 2024Q3: 5,383 shares; 2024Q4: 5,496 shares; 2025Q1: 5,589 shares; 2025Q2: 7,200 shares; 2025Q3: 7,591 shares 7,591$1.06M0.28%+391Timeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 747 shares; 2024Q2: 747 shares; 2024Q3: 1,434 shares; 2024Q4: 1,434 shares; 2025Q1: 1,916 shares; 2025Q2: 1,806 shares; 2025Q3: 1,682 shares 1,682$870K0.23%-124Timeline
MARMARRIOTT INTL INC NEWQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 3,191 shares; 2024Q2: 3,191 shares; 2024Q3: 3,191 shares; 2024Q4: 3,191 shares; 2025Q1: 3,191 shares; 2025Q2: 3,191 shares; 2025Q3: 3,214 shares 3,214$860K0.23%+23Timeline
VOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 1,125 shares; 2024Q2: 875 shares; 2024Q3: 875 shares; 2024Q4: 875 shares; 2025Q1: 843 shares; 2025Q2: 2,402 shares; 2025Q3: 2,387 shares 2,387$705K0.19%-15Timeline
QQQINVESCO QQQ TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 815 shares; 2024Q2: 1,026 shares; 2024Q3: 1,026 shares; 2024Q4: 1,051 shares; 2025Q1: 1,075 shares; 2025Q2: 910 shares; 2025Q3: 963 shares 963$581K0.15%+53Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 3,192 shares; 2024Q2: 3,036 shares; 2024Q3: 3,036 shares; 2024Q4: 2,720 shares; 2025Q1: 3,006 shares; 2025Q2: 2,670 shares; 2025Q3: 2,560 shares 2,560$562K0.15%-110Timeline
VVISA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 1,666 shares; 2024Q2: 1,666 shares; 2024Q3: 1,666 shares; 2024Q4: 1,666 shares; 2025Q1: 1,666 shares; 2025Q2: 1,604 shares; 2025Q3: 1,604 shares 1,604$561K0.15%0Timeline
LMTLOCKHEED MARTIN CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 622 shares; 2024Q2: 622 shares; 2024Q3: 622 shares; 2024Q4: 1,009 shares; 2025Q1: 1,009 shares; 2025Q2: 1,009 shares; 2025Q3: 1,009 shares 1,009$509K0.14%0Timeline
BRK-BBERKSHIRE HATHAWAY INC DELQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 954 shares; 2024Q2: 954 shares; 2024Q3: 954 shares; 2024Q4: 954 shares; 2025Q1: 954 shares; 2025Q2: 954 shares; 2025Q3: 954 shares 954$476K0.13%0Timeline
AOAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 4,009 shares; 2024Q2: 3,893 shares; 2024Q3: 4,697 shares; 2024Q4: 4,729 shares; 2025Q1: 4,731 shares; 2025Q2: 4,937 shares; 2025Q3: 4,975 shares 4,975$441K0.12%+38Timeline
VUGVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 790 shares; 2024Q2: 790 shares; 2024Q3: 790 shares; 2024Q4: 790 shares; 2025Q1: 790 shares; 2025Q2: 862 shares; 2025Q3: 862 shares 862$415K0.11%0Timeline
AORISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 5,244 shares; 2024Q2: 5,623 shares; 2024Q3: 5,613 shares; 2024Q4: 5,976 shares; 2025Q1: 5,976 shares; 2025Q2: 6,117 shares; 2025Q3: 6,088 shares 6,088$393K0.1%-29Timeline
SPLVINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 4,706 shares; 2024Q2: 4,706 shares; 2024Q3: 4,706 shares; 2024Q4: 4,706 shares; 2025Q1: 4,706 shares; 2025Q2: 4,706 shares; 2025Q3: 4,715 shares 4,715$344K0.09%+9Timeline
VTIVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 991 shares; 2025Q3: 992 shares 992$327K0.09%+1Timeline
VOOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 469 shares; 2025Q3: 469 shares 469$289K0.08%0Timeline
ACNACCENTURE PLC IRELANDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 972 shares; 2025Q3: 1,162 shares 1,162$285K0.08%+190Timeline
GOOGALPHABET INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: 1,053 shares; 2025Q1: 1,345 shares; 2025Q2: 1,227 shares; 2025Q3: 1,148 shares 1,148$283K0.08%-79Timeline
GLDSPDR GOLD TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 775 shares; 2025Q2: 775 shares; 2025Q3: 775 shares 775$277K0.07%0Timeline
NVDANVIDIA CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 292 shares; 2024Q2: 3,500 shares; 2024Q3: 3,551 shares; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 1,383 shares 1,383$259K0.07%newTimeline
FSCOFS CREDIT OPPORTUNITIES CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: 12,030 shares; 2024Q2: 12,030 shares; 2024Q3: 11,030 shares; 2024Q4: 11,030 shares; 2025Q1: 11,030 shares; 2025Q2: 11,030 shares; 2025Q3: 11,030 shares 11,030$77K0.02%0Timeline
HCATHEALTH CATALYST INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 10,998 shares; 2025Q3: 10,998 shares 10,998$32.6K0.01%0Timeline

Sold out in Q3 2025

Positions in the previous quarter's report that this quarter's report no longer lists.

SecurityShares beforeValue beforeType
NFLXNETFLIX INC.224$290Kshares

How Q3 2025 was built

Available 13F filings of this filer for the quarter and their roles: the base report is the latest original or restatement, NEW HOLDINGS amendments filed after it are added (method).

FilingRoleAmendmentFiledAcceptedIngested
13F-HR 0001085146-25-005867 superseded2025-10-09acceptance time not in the bulk data set
13F-HR/A 0001730787-25-000004 baserestatement2025-10-27acceptance time not in the bulk data set