Divergent Planning, LLC

CIK 1730787 · View on SEC EDGAR ↗

Portfolio value QoQ: +4.1% 13F does not disclose cash

Top 10 holdings weight90.43%

Top 25 holdings weight99.27%

Positions above 1%13

Effective number of positions7.9

Based on 13F long-equity holdings only (cash, bonds, shorts not disclosed)

Turnover Q4 2025: 0.29% Est. buys $9,254,614 · sells $1,124,844

Median holding: 4.0 quarters Tracked Q1 2025–Q4 2025 · 92.3% still held

New positions2

Increased16

Decreased10

Closed1

Portfolio value $391.5M #4,471 of 9,337 by 13F value · top 47.9%

Positions 36

As of Dec. 31, 2025 Data as of Q4 2025

Sector breakdown

Technology 0.9%

Financials 0.3%

Consumer Discretionary 0.2%

Retail 0.1%

Industrials 0.1%

Communication Services 0.1%

Health Care 0.0%

Other/Unmapped 98.1%

Full portfolio 36 positions

					Streak
IVV iShares Trust	$102,130,408	26.08%	148,837	$2,930,517	Up ×4
AVDV AMERICAN CENTURY ETF TRUST	$50,239,259	12.83%	529,894	$2,336,559	Down ×1
MDY State Street SPDR S&P MIDCAP 400 ETF Trust	$46,607,786	11.90%	76,242	$1,986,589	Up ×4
JMBS Janus Detroit Street Trust	$41,845,471	10.69%	918,067	$1,944,842	Up ×4
AVUS AMERICAN CENTURY ETF TRUST	$27,264,197	6.96%	242,241	$1,288,953	Up ×4
DFAS Dimensional ETF Trust	$25,412,268	6.49%	361,021	$966,139	Up ×2
JAAA Janus Detroit Street Trust	$21,122,054	5.39%	417,349	$1,211,239	Up ×4
VTEB VANGUARD MUNICIPAL BOND FUNDS	$14,717,663	3.76%	292,191	$463,567	Up ×4
DFCF Dimensional ETF Trust	$13,375,678	3.42%	314,352	$27,975	Up ×1
TBIL F/m US Treasury 3 Month Bill Fund	$11,346,211	2.90%	227,379	$976,959	Up ×4
VCIT Vanguard Intermediate-Term Corporate Bond ETF	$9,647,937	2.46%	115,213	$97,460	Up ×4
AVDE AMERICAN CENTURY ETF TRUST	$9,124,581	2.33%	109,710	$521,852	Up ×2
SCHC SCHWAB STRATEGIC TRUST	$6,320,659	1.61%	137,675	$108,712	Up ×2
AAPL Apple Inc. - Common Stock	$2,326,350	0.59%	8,584	$42,873	Down ×3
VT VANGUARD INTERNATIONAL EQUITY INDEX FUNDS	$989,584	0.25%	6,964	$-66,172	Down ×1
MAR Marriott International - Class A Common Stock	$945,558	0.24%	3,017	$85,588	Down ×1
MS Morgan Stanley Common Stock	$762,707	0.19%	4,193		Up ×1
MSFT Microsoft Corporation - Common Stock	$715,379	0.18%	1,513	$-154,608	Down ×3
VO VANGUARD INDEX FUNDS	$646,420	0.17%	2,209	$-58,246	Down ×2
QQQ Invesco QQQ Trust, Series 1	$635,266	0.16%	1,036	$54,404	Up ×2
AMZN Amazon.com, Inc. - Common Stock	$579,840	0.15%	2,560	$17,894
V Visa Inc.	$555,754	0.14%	1,604	$-5,389
LMT Lockheed Martin Corporation Common Stock	$501,544	0.13%	1,009	$-7,486
AOA iShares Trust	$454,468	0.12%	5,047	$13,893	Up ×4
AOR iShares Trust	$408,846	0.10%	6,262	$15,926	Up ×1
VUG VANGUARD INDEX FUNDS	$384,098	0.10%	790	$-30,903	Down ×1
GOOG Alphabet Inc. - Class C Capital Stock	$361,987	0.09%	1,148	$79,062
SPLV Invesco Exchange-Traded Fund Trust II	$337,582	0.09%	4,741	$-6,626	Up ×2
VTI VANGUARD INDEX FUNDS	$322,804	0.08%	960	$-4,442	Down ×1
GLD SPDR Gold Shares	$308,667	0.08%	775	$31,496
ACN Accenture plc Class A Ordinary Shares (Ireland)	$302,062	0.08%	1,162	$17,000
VOO VANGUARD INDEX FUNDS	$294,673	0.08%	469	$6,097
AOK iShares Trust	$241,962	0.06%	6,001		Up ×1
NVDA NVIDIA Corporation - Common Stock	$219,633	0.06%	1,163	$-39,845	Down ×1
FSCO FS Credit Opportunities Corp. Common Stock	$64,427	0.02%	10,146	$-12,562	Down ×1
HCAT Health Catalyst, Inc - Common stock	$25,075	0.01%	10,998	$-7,479
No matches

Conviction holdings

Positions increased for 3+ consecutive quarters.

Share counts are as reported in 13F filings (not split-adjusted)

Security	Value	% of portfolio	Streak
IVV	$102,130,408	26.08%	up ×4
MDY	$46,607,786	11.90%	up ×4
JMBS	$41,845,471	10.69%	up ×4
AVUS	$27,264,197	6.96%	up ×4
JAAA	$21,122,054	5.39%	up ×4
VTEB	$14,717,663	3.76%	up ×4
TBIL	$11,346,211	2.90%	up ×4
VCIT	$9,647,937	2.46%	up ×4
AOA	$454,468	0.12%	up ×4

Biggest new bets

New positions opened this quarter, largest first.

Security	Value	Shares	% of portfolio
MS	$762,707	4,193	0.19%
AOK	$241,962	6,001	0.06%

Top movers (QoQ)

Security	Action	Shares Δ	Value Δ
IVV	Bought more	+1K	+$2.9M
AVDV	Trimmed	-2K	+$2.3M
MDY	Bought more	+2K	+$2.0M
JMBS	Bought more	+44K	+$1.9M
AVUS	Bought more	+4K	+$1.3M
JAAA	Bought more	+24K	+$1.2M
TBIL	Bought more	+19K	+$977K
DFAS	Bought more	+7K	+$966K
AVDE	Bought more	+2K	+$522K
VTEB	Bought more	+7K	+$464K

Exited positions

Includes corporate events (mergers, delistings) — not all exits are sells

Closed positions reflect 13F reporting changes; for index managers these are often mechanical (delisting, M&A, index rebalancing), not active decisions.

Security	Quarter	Shares before	Value before	Price since exit
BRK-B (filed as BRKB)	Dec. 31, 2025	954	$475,808	No longer tracked
NFLX	Sept. 30, 2025	224	$289,766	-94.4%
MLPB	June 30, 2025	7,300	$205,130