Institutional Manager · CIK 0001730787

Divergent Planning, LLC

BETHESDA, MD · File #028-20641

Latest AUM

$391.5M

Positions

Top-10 Concentration

90.4%

Filings

Portfolio Value Over Time

2024-03

2024-06

2024-09

2024-12

2025-03

2025-06

2025-09

2025-12

Biggest QoQ Changes

Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.

Action	Issuer	Ticker / CUSIP	Δ Shares	Flow ($)	Price Effect
ADD	JANUS DETROIT STR TR	47103U852	+105,324	+$4.8M	+$601,432
ADD	RBB FD INC	74933W452	+89,531	+$4.5M	+$11,040
ADD	ISHARES TR	464287200	+5,380	+$3.7M	+$9.4M
ADD	SPDR S&P MIDCAP 400 ETF TR	MDY	+5,999	+$3.7M	+$2.6M
ADD	AMERICAN CENTY ETF TR	025072703	+22,885	+$1.9M	+$801,394
ADD	VANGUARD SCOTTSDALE FDS	92206C870	+22,081	+$1.8M	+$107,102
ADD	JANUS DETROIT STR TR	47103U845	+34,775	+$1.8M	+$15,303
ADD	DIMENSIONAL ETF TRUST	25434V500	+19,476	+$1.4M	+$1.9M
ADD	AMERICAN CENTY ETF TR	025072885	+11,928	+$1.3M	+$2.6M
REDUCE	DIMENSIONAL ETF TRUST	25434V872	-28,758	-$1.2M	+$99,502

Sector Allocation

Technology

0.9%$3.6M

Financials

0.4%$1.5M

Consumer Discretionary

0.1%$579,840

Industrials

0.1%$501,544

Healthcare

0.0%$25,075

Filing History

Jan 12, 202613F HOLDINGS REPORTQ/E Dec 202536 pos · $391.5M
Oct 27, 202513F HOLDINGS REPORT (Amended)Q/E Sep 202535 pos · $376.2M
Oct 9, 202513F HOLDINGS REPORTQ/E Sep 202535 pos · $338.4M
Jul 30, 202513F HOLDINGS REPORT (Amended)Q/E Jun 202535 pos · $338.4M
Jul 9, 202513F HOLDINGS REPORTQ/E Jun 202585 pos · $263.5M
Apr 9, 202513F HOLDINGS REPORTQ/E Mar 202530 pos · $301.4M
Jan 16, 202513F HOLDINGS REPORTQ/E Dec 202428 pos · $292.4M
Oct 7, 202413F HOLDINGS REPORTQ/E Sep 202429 pos · $268.3M
Jul 12, 202413F HOLDINGS REPORTQ/E Jun 202428 pos · $250.9M
Apr 12, 202413F HOLDINGS REPORTQ/E Mar 202428 pos · $236.7M
Oct 13, 202313F HOLDINGS REPORTQ/E Dec 202324 pos · $185.7M

Top 20 Holdings — Dec 2025

#	Issuer	Ticker	Shares	Value	% of Portfolio
1	ISHARES TR	464287200	148,837	$102.1M	26.08%
2	AMERICAN CENTY ETF TR	025072802	529,894	$50.2M	12.83%
3	SPDR S&P MIDCAP 400 ETF TR	MDY	76,242	$46.6M	11.90%
4	JANUS DETROIT STR TR	47103U852	918,067	$41.8M	10.69%
5	AMERICAN CENTY ETF TR	025072885	242,241	$27.3M	6.96%
6	DIMENSIONAL ETF TRUST	25434V500	361,021	$25.4M	6.49%
7	JANUS DETROIT STR TR	47103U845	417,349	$21.1M	5.39%
8	VANGUARD MUN BD FDS	922907746	292,191	$14.7M	3.76%
9	DIMENSIONAL ETF TRUST	25434V872	314,352	$13.4M	3.42%
10	RBB FD INC	74933W452	227,379	$11.3M	2.90%
11	VANGUARD SCOTTSDALE FDS	92206C870	115,213	$9.6M	2.46%
12	AMERICAN CENTY ETF TR	025072703	109,710	$9.1M	2.33%
13	SCHWAB STRATEGIC TR	808524888	137,675	$6.3M	1.61%
14	APPLE INC	AAPL	8,584	$2.3M	0.59%
15	VANGUARD INTL EQUITY INDEX F	922042742	6,964	$989,584	0.25%
16	MARRIOTT INTL INC NEW	571903202	3,017	$945,558	0.24%
17	MORGAN STANLEY	MS-PQ	4,193	$762,707	0.19%
18	MICROSOFT CORP	MSFT	1,513	$715,379	0.18%
19	VANGUARD INDEX FDS	922908629	2,209	$646,420	0.17%
20	INVESCO QQQ TR	IVZ	1,036	$635,266	0.16%