DP

Divergent Planning, LLC

Sector-focusedMomentum followerLong-term holder

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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Personality snowflake

Concentration
50.79
Portfolio Stability
4.45
Momentum/Contrarian
100
Sector conviction
100
Diversification
72
Sizing Uniformity
80.83

Recent moves

  • 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

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

#TickerIssuerAsset SubclassWeightWeight ChangeShares Change4Q Trend
1IVVIshares Core S&p 500 ETFETF-Large Cap & Growth26.08%-0.29%+0.89%
2AVDVAvantis Intl S/c Value ETFETF-Other12.83%+0.10%-0.40%
3MDYState Street Spdr S&p MidcapETF-Other11.90%+0.04%+2.64%
4JMBSJanus Henderson Mortg BackedETF-Other10.69%+0.08%+4.99%
5AVUSAvantis U.s. Equity ETFETF-Other6.96%+0.06%+1.85%
6DFASDimensional US Small Cap ETFETF-Small Cap6.49%-0.01%+2.05%
7JAAAJanus Henderson Aaa Clo ETFETF-Other5.39%+0.10%+6.06%
8VTEBVanguard Tax-exempt Bond ETFETF-Other3.76%-0.03%+2.45%
9DFCFDimensional Core Fixed INCETF-Other3.42%-0.13%+0.96%
10TBILF/m US Treasury 3 Month BillETF-Gov Bonds2.90%+0.14%+9.36%
11VCITVanguard Int-term CorporateETF-Corp Bonds2.46%-0.08%+1.41%
12AVDEAvantis International EquityETF-Other2.33%+0.04%+2.00%
13SCHCSchwab Intl Small-cap EquityETF-Other1.61%-0.04%+2.04%
14AAPLApple INCStock-Tech0.59%-0.02%-3.01%
15VTVanguard Tot World Stk ETFETF-Other0.25%-0.03%-8.26%
16MARMarriott International -cl AStock-Consumer Disc0.24%+0.01%-6.13%
17MSMorgan StanleyStock-Financials0.19%+0.19%NEW
18MSFTMicrosoft CORPStock-Tech0.18%-0.05%-10.05%
19VOVanguard Mid-cap ETFETF-Other0.17%-0.02%-7.46%
20QQQInvesco Qqq Trust Series 1ETF-Tech0.16%+0.01%+7.58%
21AMZNAmazon.com INCStock-Consumer Disc0.15%——
22VVisa Inc-class A SharesStock-Financials0.14%-0.01%—
23LMTLockheed Martin CORPStock-Industrials0.13%-0.01%—
24AOAIshares Core 80/20 AggressivETF-Other0.12%—+1.45%
25AORIshares Core 60/40 BalancedETF-Other0.10%—+2.86%
26VUGVanguard Growth ETFETF-Other0.10%-0.01%-8.35%
27GOOGAlphabet Inc-cl CStock-Comm Services0.09%+0.01%—
28SPLVInvesco S&p 500 Low VolatiliETF-Large Cap & Growth0.09%—+0.55%
29VTIVanguard Total Stock Mkt ETFETF-Other0.08%-0.01%-3.23%
30GLDSpdr Gold SharesETF-Commodities0.08%+0.01%—
31ACNAccenture plcStock-Tech0.08%——
32VOOVanguard S&p 500 ETFETF-Large Cap & Growth0.08%——
33AOKIshares Core 30/70 ConservatETF-Other0.06%+0.06%NEW
34NVDANvidia CORPStock-Tech0.06%-0.01%-15.91%
35FSCOFs Credit Opportunities CORPStock-Other0.02%—-8.01%
36HCATHealth Catalyst INCStock-Other0.01%——

Holding changes this quarter

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%.

Position changes disclosed by Divergent Planning, LLC for the quarter ending 2025-12-31, including ticker, issuer, weight change, shares change, and action
#TickerIssuerWeight ChangeShares ChangeAction
1TBILF/m US Treasury 3 Month Bill+0.1%+9.36%Add
2AVDVAvantis Intl S/c Value ETF+0.1%-0.40%Trim
3JAAAJanus Henderson Aaa Clo ETF+0.1%+6.06%Add
4JMBSJanus Henderson Mortg Backed+0.1%+4.99%Add
5AVUSAvantis U.s. Equity ETF+0.1%+1.85%Add
6MDYState Street Spdr S&p Midcap0%+2.64%Add
7AVDEAvantis International Equity0%+2.00%Add
8MARMarriott International -cl A0%-6.13%Trim
9GOOGAlphabet Inc-cl C0%—Unchanged
10QQQInvesco Qqq Trust Series 10%+7.58%Add
11GLDSpdr Gold Shares0%—Unchanged
12AMZNAmazon.com INC——Unchanged
13ACNAccenture plc——Unchanged
14AORIshares Core 60/40 Balanced—+2.86%Add
15AOAIshares Core 80/20 Aggressiv—+1.45%Add
16FSCOFs Credit Opportunities CORP—-8.01%Trim
17HCATHealth Catalyst INC——Unchanged
18SPLVInvesco S&p 500 Low Volatili—+0.55%Add
19VOOVanguard S&p 500 ETF——Unchanged
20DFASDimensional US Small Cap ETF0%+2.05%Add
21NVDANvidia CORP0%-15.91%Trim
22VUGVanguard Growth ETF0%-8.35%Trim
23LMTLockheed Martin CORP0%—Unchanged
24VVisa Inc-class A Shares0%—Unchanged
25VTIVanguard Total Stock Mkt ETF0%-3.23%Trim
26VOVanguard Mid-cap ETF0%-7.46%Trim
27AAPLApple INC0%-3.01%Trim
28VTEBVanguard Tax-exempt Bond ETF0%+2.45%Add
29VTVanguard Tot World Stk ETF0%-8.26%Trim
30SCHCSchwab Intl Small-cap Equity0%+2.04%Add
31MSFTMicrosoft CORP-0.1%-10.05%Trim
32VCITVanguard Int-term Corporate-0.1%+1.41%Add
33DFCFDimensional Core Fixed INC-0.1%+0.96%Add
34IVVIshares Core S&p 500 ETF-0.3%+0.89%Add
35MSMorgan Stanley—NEWNew buy
36BRK-BBerkshire Hathaway Inc-cl B—EXITSold out
37AOKIshares Core 30/70 Conservat—NEWNew buy

FAQ

What is Divergent Planning, LLC and what type of investor is it?
Divergent Planning, LLC is a investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2025-12-31), the firm manages a tracked equity portfolio valued at approximately $391.5M, spread across 36 disclosed positions.
What are Divergent Planning, LLC's largest equity positions?
Based on the latest 13F filing, Divergent Planning, LLC's top holdings by market value are: 1. Ishares Core S&p 500 ETF (IVV) — $102.1M (26.1%) 2. Avantis Intl S/c Value ETF (AVDV) — $50.2M (12.8%) 3. State Street Spdr S&p Midcap (MDY) — $46.6M (11.9%) 4. Janus Henderson Mortg Backed (JMBS) — $41.8M (10.7%) 5. Avantis U.s. Equity ETF (AVUS) — $27.3M (7.0%)
What changes did Divergent Planning, LLC make in its most recent portfolio filing?
In the latest reported quarter, Divergent Planning, LLC made 29 notable position adjustments: 2 new positions were initiated, 16 existing holdings were added to, 10 positions were partially reduced, and 1 were completely exited. The largest of these moves: 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%
What sectors does Divergent Planning, LLC focus on?
Divergent Planning, LLC is concentrated in the following sectors based on its current disclosed equity portfolio: • Information Technology: 54.1% • Financials: 21.9% • Consumer Discretionary: 9.6% • Industrials: 8.3% • Communication Services: 6.0%

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