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Divergent Planning, LLC

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13F filer, CIK 1730787, BETHESDA, MD

Divergent Planning, LLC reported $391,538,858 across 36 holdings for the quarter ended 2025-12-31, in a 13F-HR filed 2026-01-12. Its ten largest share positions make up 90.43% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001730787-26-000002

Period
2025-12-31
Reported value
$392M
Holdings
36
Top 10 weight
90.43%
New
2
Sold out
1

Largest buys vs the previous quarter

SecurityShares changeApprox. value
JMBSadded+43,628$1.99M
JAAAadded+23,855$1.21M
MDYadded+1,958$1.2M
TBILadded+19,453$971K
IVVadded+1,310$899K

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
BRK-Bexited-954-$476K
AVDVreduced-2,122-$201K
VTreduced-627-$89.1K
MSFTreduced-169-$79.9K
AAPLreduced-266-$72.1K

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, Q4 2025

Share positions as resolved from 13F-HR 0001730787-26-000002, largest first. % of portfolio is the value over $391,538,858, 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; 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; 2025Q4: 148,837 shares 148,837$102M26.08%+1,310Timeline
AVDVAMERICAN CENTY ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 529,894 shares 529,894$50.2M12.83%-2,122Timeline
MDYSTATE STR SPDR S&P MIDCAP 40Quarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 76,242 shares 76,242$46.6M11.9%+1,958Timeline
JMBSJANUS DETROIT STR TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 918,067 shares 918,067$41.8M10.69%+43,628Timeline
AVUSAMERICAN CENTY ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 242,241 shares 242,241$27.3M6.96%+4,394Timeline
DFASDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 361,021 shares 361,021$25.4M6.49%+7,242Timeline
JAAAJANUS DETROIT STR TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 417,349 shares 417,349$21.1M5.39%+23,855Timeline
VTEBVANGUARD MUN BD FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 292,191 shares 292,191$14.7M3.76%+6,995Timeline
DFCFDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 314,352 shares 314,352$13.4M3.42%+2,999Timeline
TBILRBB FD INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 227,379 shares 227,379$11.3M2.9%+19,453Timeline
VCITVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 115,213 shares 115,213$9.65M2.46%+1,598Timeline
AVDEAMERICAN CENTY ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 86,825 shares; 2025Q3: 107,561 shares; 2025Q4: 109,710 shares 109,710$9.12M2.33%+2,149Timeline
SCHCSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 130,904 shares; 2025Q3: 134,925 shares; 2025Q4: 137,675 shares 137,675$6.32M1.61%+2,750Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 8,584 shares 8,584$2.33M0.59%-266Timeline
VTVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 6,964 shares 6,964$990K0.25%-627Timeline
MARMARRIOTT INTL INC NEWQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 3,017 shares 3,017$946K0.24%-197Timeline
MSMORGAN STANLEYQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 4,193 shares 4,193$763K0.19%newTimeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 1,513 shares 1,513$715K0.18%-169Timeline
VOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: 1,125 shares; 2024Q2: 875 shares; 2024Q3: 875 shares; 2024Q4: 875 shares; 2025Q1: 843 shares; 2025Q2: 2,402 shares; 2025Q3: 2,387 shares; 2025Q4: 2,209 shares 2,209$646K0.17%-178Timeline
QQQINVESCO QQQ TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 1,036 shares 1,036$635K0.16%+73Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 2,560 shares 2,560$580K0.15%0Timeline
VVISA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 1,604 shares 1,604$556K0.14%0Timeline
LMTLOCKHEED MARTIN CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 1,009 shares 1,009$502K0.13%0Timeline
AOAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 5,047 shares 5,047$454K0.12%+72Timeline
AORISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 6,262 shares 6,262$409K0.1%+174Timeline
VUGVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: 790 shares; 2024Q2: 790 shares; 2024Q3: 790 shares; 2024Q4: 790 shares; 2025Q1: 790 shares; 2025Q2: 862 shares; 2025Q3: 862 shares; 2025Q4: 790 shares 790$384K0.1%-72Timeline
GOOGALPHABET INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 1,148 shares 1,148$362K0.09%0Timeline
SPLVINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 4,741 shares 4,741$338K0.09%+26Timeline
VTIVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 991 shares; 2025Q3: 992 shares; 2025Q4: 960 shares 960$323K0.08%-32Timeline
GLDSPDR GOLD TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 775 shares; 2025Q2: 775 shares; 2025Q3: 775 shares; 2025Q4: 775 shares 775$309K0.08%0Timeline
ACNACCENTURE PLC IRELANDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 972 shares; 2025Q3: 1,162 shares; 2025Q4: 1,162 shares 1,162$302K0.08%0Timeline
VOOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 469 shares; 2025Q3: 469 shares; 2025Q4: 469 shares 469$295K0.08%0Timeline
AOKISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 6,001 shares 6,001$242K0.06%newTimeline
NVDANVIDIA CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: 292 shares; 2024Q2: 3,500 shares; 2024Q3: 3,551 shares; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 1,383 shares; 2025Q4: 1,163 shares 1,163$220K0.06%-220Timeline
FSCOFS CREDIT OPPORTUNITIES CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 10,146 shares 10,146$64.4K0.02%-884Timeline
HCATHEALTH CATALYST INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: not reported; 2024Q2: not reported; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 10,998 shares; 2025Q3: 10,998 shares; 2025Q4: 10,998 shares 10,998$25.1K0.01%0Timeline

Sold out in Q4 2025

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

SecurityShares beforeValue beforeType
BRK-BBERKSHIRE HATHAWAY INC DEL954$476Kshares

How Q4 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 0001730787-26-000002 base2026-01-12acceptance time not in the bulk data set