CIK: 0001730787
Total reported value
$391.5M
Reporting period: 2025-12-31 · Number of holdings: 36
Divergent Planning, LLC disclosed 36 holdings in its latest 13F filing for the period ending 2025-12-31, with total reported value of $391.5M and a quarterly turnover rate of 4.5%.
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Divergent Planning, LLC's disclosed holdings carry a Herfindahl concentration index of 0.127 — mathematically equivalent to about 8 equally-sized positions, well below its 36 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.
Position sizes vary widely across the portfolio (a coefficient of variation of 1.92), with a handful of outsized bets alongside many smaller positions.
Recent activity leans toward adding more aggressively to already-large existing positions than to newly initiated ones (a 5.2 percentage-point tilt) — a pattern consistent with a momentum-following approach.
Sector classification currently covers about 2% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.
Trim IVV
+0.9% $2.9M
Add TBIL
+9.4% $977.0K
Trim DFCF
+1.0% $28.0K
Add AVDV
-0.4% $2.3M
Add JAAA
+6.1% $1.2M
Add JMBS
+5.0% $1.9M
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 26.08% | -0.29% | +0.89% | |
| 2 | AVDV | Avantis Intl S/c Value ETF | ETF-Other | 12.83% | +0.10% | -0.40% | |
| 3 | MDY | State Street Spdr S&p Midcap | ETF-Other | 11.90% | +0.04% | +2.64% | |
| 4 | JMBS | Janus Henderson Mortg Backed | ETF-Other | 10.69% | +0.08% | +4.99% | |
| 5 | AVUS | Avantis U.s. Equity ETF | ETF-Other | 6.96% | +0.06% | +1.85% | |
| 6 | DFAS | Dimensional US Small Cap ETF | ETF-Small Cap | 6.49% | -0.01% | +2.05% | |
| 7 | JAAA | Janus Henderson Aaa Clo ETF | ETF-Other | 5.39% | +0.10% | +6.06% | |
| 8 | VTEB | Vanguard Tax-exempt Bond ETF | ETF-Other | 3.76% | -0.03% | +2.45% | |
| 9 | DFCF | Dimensional Core Fixed INC | ETF-Other | 3.42% | -0.13% | +0.96% | |
| 10 | TBIL | F/m US Treasury 3 Month Bill | ETF-Gov Bonds | 2.90% | +0.14% | +9.36% | |
| 11 | VCIT | Vanguard Int-term Corporate | ETF-Corp Bonds | 2.46% | -0.08% | +1.41% | |
| 12 | AVDE | Avantis International Equity | ETF-Other | 2.33% | +0.04% | +2.00% | |
| 13 | SCHC | Schwab Intl Small-cap Equity | ETF-Other | 1.61% | -0.04% | +2.04% | |
| 14 | AAPL | Apple INC | Stock-Tech | 0.59% | -0.02% | -3.01% | |
| 15 | VT | Vanguard Tot World Stk ETF | ETF-Other | 0.25% | -0.03% | -8.26% | |
| 16 | MAR | Marriott International -cl A | Stock-Consumer Disc | 0.24% | +0.01% | -6.13% | |
| 17 | MS | Morgan Stanley | Stock-Financials | 0.19% | +0.19% | NEW | |
| 18 | MSFT | Microsoft CORP | Stock-Tech | 0.18% | -0.05% | -10.05% | |
| 19 | VO | Vanguard Mid-cap ETF | ETF-Other | 0.17% | -0.02% | -7.46% | |
| 20 | QQQ | Invesco Qqq Trust Series 1 | ETF-Tech | 0.16% | +0.01% | +7.58% | |
| 21 | AMZN | Amazon.com INC | Stock-Consumer Disc | 0.15% | — | — | |
| 22 | V | Visa Inc-class A Shares | Stock-Financials | 0.14% | -0.01% | — | |
| 23 | LMT | Lockheed Martin CORP | Stock-Industrials | 0.13% | -0.01% | — | |
| 24 | AOA | Ishares Core 80/20 Aggressiv | ETF-Other | 0.12% | — | +1.45% | |
| 25 | AOR | Ishares Core 60/40 Balanced | ETF-Other | 0.10% | — | +2.86% | |
| 26 | VUG | Vanguard Growth ETF | ETF-Other | 0.10% | -0.01% | -8.35% | |
| 27 | GOOG | Alphabet Inc-cl C | Stock-Comm Services | 0.09% | +0.01% | — | |
| 28 | SPLV | Invesco S&p 500 Low Volatili | ETF-Large Cap & Growth | 0.09% | — | +0.55% | |
| 29 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 0.08% | -0.01% | -3.23% | |
| 30 | GLD | Spdr Gold Shares | ETF-Commodities | 0.08% | +0.01% | — | |
| 31 | ACN | Accenture plc | Stock-Tech | 0.08% | — | — | |
| 32 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 0.08% | — | — | |
| 33 | AOK | Ishares Core 30/70 Conservat | ETF-Other | 0.06% | +0.06% | NEW | |
| 34 | NVDA | Nvidia CORP | Stock-Tech | 0.06% | -0.01% | -15.91% | |
| 35 | FSCO | Fs Credit Opportunities CORP | Stock-Other | 0.02% | — | -8.01% | |
| 36 | HCAT | Health Catalyst INC | Stock-Other | 0.01% | — | — |
Performance for Q3 2026
—
Performance Last 4 Quarters
—
Based on 0 months of available history
Based on 46% of reported portfolio value with available pricing
| Period | Holdings | Total value | Stability | Top holdings |
|---|---|---|---|---|
| 2025-12-31 | 36 | $391.5M | 4 | |
| 2025-09-30 | 35 | $376.2M | 24 | |
| 2025-06-30 | 35 | $338.4M | 0 | |
| 2025-03-31 | 30 | $301.4M | 100 | |
| 2024-12-31 | 28 | $292.4M | 0 | |
| 2024-09-30 | 29 | $268.3M | 0 | |
| 2024-06-30 | 28 | $250.9M | 0 | |
| 2024-03-31 | 28 | $236.7M | 0 | |
| 2023-12-31 | 26 | $207.1M | 0 | |
| 2023-09-30 | 24 | $185.7M | 0 | |
| 2023-06-30 | 26 | $190.9M | 0 | |
| 2023-03-31 | 22 | $177.7M | 0 | |
| 2022-12-31 | 18 | $159.0M | 0 | |
| 2022-09-30 | 22 | $135.8M | 0 | |
| 2022-06-30 | 18 | $139.2M | 0 | |
| 2022-03-31 | 21 | $156.3M | 0 | |
| 2021-12-31 | 18 | $136.6M | 0 | |
| 2021-09-30 | 16 | $123.7M | 0 | |
| 2021-06-30 | 17 | $123.4M | 97 | |
| 2021-03-31 | 16 | $117.2M | 12 | |
| 2020-12-31 | 15 | $104.4M | 0 |
Divergent Planning, LLC's most significant position changes for 2025-12-31: New buy: Morgan Stanley (MS); Sold out: Berkshire Hathaway Inc-cl B (BRK-B); New buy: Ishares Core 30/70 Conservat (AOK); Add: Ishares Core S&p 500 ETF (IVV) — shares +0.89%; Add: F/m US Treasury 3 Month Bill (TBIL) — shares +9.36%.
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2025-12-31 | 2026-01-12 | 13F-HR | View on EDGAR |
| 2025-09-30 | 2025-10-27 | Amendment | View on EDGAR |
| 2025-09-30 | 2025-10-09 | 13F-HR | View on EDGAR |
| 2025-06-30 | 2025-07-30 | Amendment | View on EDGAR |
| 2025-06-30 | 2025-07-09 | 13F-HR | View on EDGAR |
| 2025-03-31 | 2025-04-09 | 13F-HR | View on EDGAR |
| 2024-12-31 | 2025-01-16 | 13F-HR | View on EDGAR |
| 2024-09-30 | 2024-10-07 | 13F-HR | View on EDGAR |
| 2024-06-30 | 2024-07-12 | 13F-HR | View on EDGAR |
| 2024-03-31 | 2024-04-12 | 13F-HR | View on EDGAR |
| 2023-12-31 | 2024-01-10 | 13F-HR | View on EDGAR |
| 2023-09-30 | 2023-10-13 | 13F-HR | View on EDGAR |
| 2023-06-30 | 2023-07-12 | 13F-HR | View on EDGAR |
| 2023-03-31 | 2023-04-07 | 13F-HR | View on EDGAR |
| 2022-12-31 | 2023-01-19 | 13F-HR | View on EDGAR |
| 2022-09-30 | 2022-10-12 | 13F-HR | View on EDGAR |
| 2022-06-30 | 2022-07-11 | 13F-HR | View on EDGAR |
| 2022-03-31 | 2022-04-14 | 13F-HR | View on EDGAR |
| 2021-12-31 | 2022-01-14 | 13F-HR | View on EDGAR |
| 2021-09-30 | 2021-10-15 | 13F-HR | View on EDGAR |
| 2021-06-30 | 2021-07-22 | 13F-HR | View on EDGAR |
| 2021-03-31 | 2021-04-23 | 13F-HR | View on EDGAR |
| 2020-12-31 | 2021-02-10 | 13F-HR | View on EDGAR |
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