Divergent Planning, LLC

CIK

1730787

Location

BETHESDA, MD

Portfolio Value

Small $389,756,601

Diversification

Moderately concentrated

Filing Date

Global Rank

#4,169 / 8,854 ▼ 30 · as of Dec 2025

Top Industry

Consumer Electronics 31.7%

Period ended 10 months ago

Filed Jan 12, 2026 · 10mo

21 quarters · since Dec 2020

Regulatory profile

From Form ADV, the SEC filer profile, 13D/13G type codes and N-CEN, never from the name.

Holder type

Unknown

Portfolio style

Measured from the filed 13F common-share book for Dec 31, 2025, never from the firm's own description.

Style

Concentrated

The top 10 positions are 97.4% of the book (60%+)

Turnover

Low turnover

3.5% over the last four quarters (under 30%)

Horizon

Long horizon

Value-weighted holding period 15.1 quarters (12+)

Closest benchmark: every 13F filer's combined book, active share 92.2%; sector active share 85.7% against the combined 13F book's sector weights.

Over time 21 measured quarters

How the bands are measured

Style bands measure the filed 13F common-share book each closed quarter, tested in this order. Unknown: under $10,000,000 of valued equity or 5 stocks. Index-like (100+ stocks): active share of 20% or less against the closest benchmark, which is the S&P 500, S&P MidCap 400, S&P SmallCap 600, Russell 1000, Russell 2000, Nasdaq-100 or Dow Jones Industrial Average (weighted by an index-tracking fund's reported holdings or the index's constituents nearest the quarter end, over the names resolved to companies, and only when those are 90%+ of its weight) or every 13F filer's combined book, or index series holding 80%+ of the registered fund assets it advises (N-CEN) and equal to 50%+ of its book. Systematic-like: 500+ stocks, 100%+ annual turnover and a top 10 weight of 25% or less. Concentrated: a top 10 weight of 60%+ or 12 or fewer effective positions. Diversified active: none of these. Turnover is the smaller of buys and sells over average equity value, summed over four quarters: low under 30%, high 100%+. Horizon is the value-weighted number of quarters each position has been held: short under 4, long 12+.

Clone Performance

Build a hypothetical price-return history from this filer's public 13F holdings.

View clone backtest

Portfolio Concentration

36 tracked positions · as of Dec 31, 2025 · Δ vs Sep 30, 2025

Top Position

26.2%

−0.2 pts

Top 5

86.1%

−0.0 pts

Top 10

97.4%

−0.0 pts

HHI

1,701

Moderately concentrated−0

Portfolio Trend

21 quarters · across all stocks

Sector Breakdown

As of Dec 31, 2025

Sector	% Portfolio	Value	Positions
Unclassified	98.1%	$382,390,292	24
Technology	0.9%	$3,594,026	4
Consumer Cyclical	0.4%	$1,526,893	2
Financial Services	0.4%	$1,370,840	3
Industrials	0.1%	$488,023	1
Communication Services	0.1%	$360,242	1
Healthcare	0.0%	$26,285	1

Last Quarter's Activity

Export CSV

Dec 31, 2025 vs Sep 30, 2025

Added To

Positions the filer increased

16 positions

Ticker	Company	Δ Shares	Shares	Value
JMBS	Janus Henderson Mortgage-Backed Securities ETF	+43,628	918,067	$41,946,481
JAAA	Janus Henderson AAA CLO ETF	+23,855	417,349	$21,109,512
TBIL	F/m US Treasury 3 Month Bill Fund	+19,453	227,379	$11,341,664
DFAS	Dimensional U.S. Small Cap ETF	+7,242	361,021	$25,152,333
VTEB	VANGUARD TAX-EXEMPT BOND INDEX FUND	+6,995	292,191	$14,694,285
AVUS	Avantis U.S. Equity ETF	+4,394	242,241	$27,077,698
DFCF	Dimensional Core Fixed Income ETF	+2,999	314,352	$13,378,821
SCHC	Schwab International Small-Cap Equity ETF	+2,750	137,675	$6,268,342
AVDE	Avantis International Equity ETF	+2,149	109,710	$9,031,327
MDY	Spdr S&P Midcap 400 ETF Trust	+1,958	76,242	$45,995,273
VCIT	VANGUARD INTERMEDIATE-TERM CORPORATE BOND INDEX FUND	+1,598	115,213	$9,649,088
IVV	iShares Core S&P 500 ETF	+1,310	148,837	$101,944,414
—		+174	6,262	$407,092
QQQ	Invesco Qqq Trust, Series 1	+73	1,036	$636,425
—		+72	5,047	$452,009
SPLV	Invesco S&P 500 Low Volatility ETF	+26	4,741	$338,602
No positions match the current search.

Trimmed

Positions the filer reduced

10 positions

Ticker	Company	Δ Shares	Shares	Value
AVDV	Avantis International Small Cap Value ETF	−2,122	529,894	$49,794,139
FSCO	FS Credit Opportunities Corp.	−884	10,146	$63,919
VT	VANGUARD TOTAL WORLD STOCK INDEX FUND	−627	6,964	$982,341
AAPL	Apple Inc.	−266	8,584	$2,333,646
NVDA	Nvidia Corp	−220	1,163	$216,899
MAR	Marriott International Inc	−197	3,017	$935,994
VO	VANGUARD MID-CAP INDEX FUND	−178	2,209	$641,095
MSFT	Microsoft Corp	−169	1,513	$731,717
VUG	VANGUARD GROWTH INDEX FUND	−72	790	$385,409
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	−32	960	$321,859
No positions match the current search.

New Positions

Positions the filer opened this quarter

2 positions

Ticker	Company	Shares	Value
MS	Morgan Stanley	4,193	$744,383
—		6,001	$240,820
No positions match the current search.

Sold Out

Positions the filer fully exited

1 positions

Ticker	Company	Shares	Value	Open
BRK-B	Berkshire Hathaway Inc	954	$479,613
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

36 tracked positions · $389,756,601 total · filing declares 36 positions · $391,538,858 · as of Dec 31, 2025

All sectors Communication Services Consumer Cyclical Financial Services Healthcare Industrials Technology

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	Held (qtrs)	Est. cost/share	% of Portfolio
IVV	iShares Core S&P 500 ETF	Added	148,837	+1,310	$101,944,414	+3.2%	21	before history	26.16%
AVDV	Avantis International Small Cap Value ETF	Reduced	529,894	-2,122	$49,794,139	+5.1%	15	$59.90	12.78%
MDY	Spdr S&P Midcap 400 ETF Trust	Added	76,242	+1,958	$45,995,273	+3.9%	12	$489.04	11.80%
JMBS	Janus Henderson Mortgage-Backed Securities ETF	Added	918,067	+43,628	$41,946,481	+5.0%	19	$48.48	10.76%
AVUS	Avantis U.S. Equity ETF	Added	242,241	+4,394	$27,077,698	+4.7%	15	$75.66	6.95%
DFAS	Dimensional U.S. Small Cap ETF	Added	361,021	+7,242	$25,152,333	+3.9%	8	$64.44	6.45%
JAAA	Janus Henderson AAA CLO ETF	Added	417,349	+23,855	$21,109,512	+5.6%	7	$50.71	5.42%
VTEB	VANGUARD TAX-EXEMPT BOND INDEX FUND	Added	292,191	+6,995	$14,694,285	+2.9%	17	$51.27	3.77%
DFCF	Dimensional Core Fixed Income ETF	Added	314,352	+2,999	$13,378,821	+0.5%	13	$41.59	3.43%
TBIL	F/m US Treasury 3 Month Bill Fund	Added	227,379	+19,453	$11,341,664	+9.1%	10	$49.93	2.91%
VCIT	VANGUARD INTERMEDIATE-TERM CORPORATE BOND INDEX FUND	Added	115,213	+1,598	$9,649,088	+1.0%	13	$79.03	2.48%
AVDE	Avantis International Equity ETF	Added	109,710	+2,149	$9,031,327	+6.4%	3	$71.31	2.32%
SCHC	Schwab International Small-Cap Equity ETF	Added	137,675	+2,750	$6,268,342	+2.1%	3	$39.02	1.61%
AAPL	Apple Inc. Technology	Reduced	8,584	-266	$2,333,646	+3.6%	21	before history	0.60%
VT	VANGUARD TOTAL WORLD STOCK INDEX FUND	Reduced	6,964	-627	$982,341	−6.1%	21	before history	0.25%
MAR	Marriott International Inc Consumer Cyclical	Reduced	3,017	-197	$935,994	+11.8%	21	before history	0.24%
MS	Morgan Stanley Financial Services	NEW	4,193	NEW	$744,383	NEW	1	$166.80	0.19%
MSFT	Microsoft Corp Technology	Reduced	1,513	-169	$731,717	−16.0%	8	$413.67	0.19%
VO	VANGUARD MID-CAP INDEX FUND	Reduced	2,209	-178	$641,095	−8.6%	21	before history	0.16%
QQQ	Invesco Qqq Trust, Series 1	Added	1,036	+73	$636,425	+10.1%	8	$455.89	0.16%
AMZN	Amazon Com Inc Consumer Cyclical	Held	2,560	0	$590,899	+5.1%	11	$141.56	0.15%
V	Visa Inc. Financial Services	Held	1,604	0	$562,538	+2.7%	21	before history	0.14%
LMT	Lockheed Martin Corp Industrials	Held	1,009	0	$488,023	−3.1%	16	$460.10	0.13%
		Added	5,047	+72	$452,009	+3.1%	21	before history	0.12%
		Added	6,262	+174	$407,092	+3.9%	21	before history	0.10%
VUG	VANGUARD GROWTH INDEX FUND	Reduced	790	-72	$385,409	−6.8%	11	unpriced	0.10%
GOOG	Alphabet Inc. Communication Services	Held	1,148	0	$360,242	+28.8%	5	$177.94	0.09%
SPLV	Invesco S&P 500 Low Volatility ETF	Added	4,741	+26	$338,602	−2.3%	21	before history	0.09%
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	Reduced	960	-32	$321,859	−1.1%	3	unpriced	0.08%
ACN	Accenture plc Technology	Held	1,162	0	$311,764	+8.8%	3	$297.40	0.08%
GLD	Spdr Gold Trust	Held	775	0	$307,140	+11.5%	4	$264.45	0.08%
VOO	VANGUARD 500 INDEX FUND	Held	469	0	$294,123	+2.4%	3	unpriced	0.08%
		NEW	6,001	NEW	$240,820	NEW	1	$40.36	0.06%
NVDA	Nvidia Corp Technology	Reduced	1,163	-220	$216,899	−15.9%	2	$174.31	0.06%
FSCO	FS Credit Opportunities Corp. Financial Services	Reduced	10,146	-884	$63,919	−16.1%	12	$4.59	0.02%
HCAT	Health Catalyst, Inc. Healthcare	Held	10,998	0	$26,285	−16.1%	3	$3.93	0.01%

Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.