Filed: 10/9/2025ACC: 0001085146-25-005867
📋 What this filing means
DIVERGENT PLANNING, LLC filed this quarterly 13F‑HR report disclosing 35 equity positions with a total reported market value of $338.40M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
35
Positions
$338.40M
Total AUM (reported)
3.66M
Total Shares
Allocation by class
CORE S&P500 ETF$89.04M26.3%
INTL SMCP VLU$42.18M12.5%
UTSER1 S&PDCRP$40.30M11.9%
HENDERSON MTG$36.44M10.8%
US EQT ETF$23.31M6.9%
US SMALL CAP ETF$22.10M6.5%
HENDRSON AAA CL$19.35M5.7%
Portfolio Concentration
Top 3$171.51M50.7%
4–10$136.93M40.5%
11–25$27.51M8.1%
Rest$2.45M0.7%
Top 3 weight
50.7%
Top 10 weight
91.1%
Voting Authority Distribution
Total shares with voting rights: 3.66M
Sole
Full voting authority
0.00
shares
% of voting shares0.0%
Shared
Joint voting authority
0.00
shares
% of voting shares0.0%
None
No voting authority
3.66M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole35
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings35
Rows:
ISHARES TR
SOLEShares143.46K
TypeSH
Market value$89.04M
26.31%
Sole
0.00
Shared
0.00
None
143.46K
AMERICAN CENTY ETF TR
SOLEShares531.63K
TypeSH
Market value$42.18M
12.46%
Sole
0.00
Shared
0.00
None
531.63K
SPDR S&P MIDCAP 400 ETF TR
SOLEShares70.24K
TypeSH
Market value$40.30M
11.91%
Sole
0.00
Shared
0.00
None
70.24K
JANUS DETROIT STR TR
SOLEShares812.74K
TypeSH
Market value$36.44M
10.77%
Sole
0.00
Shared
0.00
None
812.74K
AMERICAN CENTY ETF TR
SOLEShares230.31K
TypeSH
Market value$23.31M
6.89%
Sole
0.00
Shared
0.00
None
230.31K
DIMENSIONAL ETF TRUST
SOLEShares341.55K
TypeSH
Market value$22.10M
6.53%
Sole
0.00
Shared
0.00
None
341.55K
JANUS DETROIT STR TR
SOLEShares382.57K
TypeSH
Market value$19.35M
5.72%
Sole
0.00
Shared
0.00
None
382.57K
DIMENSIONAL ETF TRUST
SOLEShares343.11K
TypeSH
Market value$14.50M
4.28%
Sole
0.00
Shared
0.00
None
343.11K
VANGUARD MUN BD FDS
SOLEShares276.71K
TypeSH
Market value$13.54M
4.00%
Sole
0.00
Shared
0.00
None
276.71K
VANGUARD SCOTTSDALE FDS
SOLEShares93.13K
TypeSH
Market value$7.69M
2.27%
Sole
0.00
Shared
0.00
None
93.13K
RBB FD INC
SOLEShares137.85K
TypeSH
Market value$6.87M
2.03%
Sole
0.00
Shared
0.00
None
137.85K
AMERICAN CENTY ETF TR
SOLEShares86.83K
TypeSH
Market value$6.42M
1.90%
Sole
0.00
Shared
0.00
None
86.83K
SCHWAB STRATEGIC TR
SOLEShares130.90K
TypeSH
Market value$5.56M
1.64%
Sole
0.00
Shared
0.00
None
130.90K
APPLE INC
SOLEShares9.18K
TypeSH
Market value$1.91M
0.56%
Sole
0.00
Shared
0.00
None
9.18K
VANGUARD INTL EQUITY INDEX F
SOLEShares7.20K
TypeSH
Market value$925.4K
0.27%
Sole
0.00
Shared
0.00
None
7.20K
MICROSOFT CORP
SOLEShares1.81K
TypeSH
Market value$888.5K
0.26%
Sole
0.00
Shared
0.00
None
1.81K
MARRIOTT INTL INC NEW
SOLEShares3.19K
TypeSH
Market value$887.3K
0.26%
Sole
0.00
Shared
0.00
None
3.19K
VANGUARD INDEX FDS
SOLEShares2.40K
TypeSH
Market value$676.0K
0.20%
Sole
0.00
Shared
0.00
None
2.40K
AMAZON COM INC
SOLEShares2.67K
TypeSH
Market value$588.6K
0.17%
Sole
0.00
Shared
0.00
None
2.67K
VISA INC
SOLEShares1.60K
TypeSH
Market value$570.2K
0.17%
Sole
0.00
Shared
0.00
None
1.60K
INVESCO QQQ TR
SOLEShares910.00
TypeSH
Market value$497.8K
0.15%
Sole
0.00
Shared
0.00
None
910.00
LOCKHEED MARTIN CORP
SOLEShares1.01K
TypeSH
Market value$470.1K
0.14%
Sole
0.00
Shared
0.00
None
1.01K
BERKSHIRE HATHAWAY INC DEL
SOLEShares954.00
TypeSH
Market value$467.1K
0.14%
Sole
0.00
Shared
0.00
None
954.00
ISHARES TR
SOLEShares4.94K
TypeSH
Market value$411.5K
0.12%
Sole
0.00
Shared
0.00
None
4.94K
ISHARES TR
SOLEShares6.12K
TypeSH
Market value$376.4K
0.11%
Sole
0.00
Shared
0.00
None
6.12K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
ISHARES TRSOLE | CORE S&P500 ETF | 143.46K | SH | $89.04M 26.31% | 0.00 | 0.00 | 143.46K |
AMERICAN CENTY ETF TRSOLE | INTL SMCP VLU | 531.63K | SH | $42.18M 12.46% | 0.00 | 0.00 | 531.63K |
SPDR S&P MIDCAP 400 ETF TRSOLE | UTSER1 S&PDCRP | 70.24K | SH | $40.30M 11.91% | 0.00 | 0.00 | 70.24K |
JANUS DETROIT STR TRSOLE | HENDERSON MTG | 812.74K | SH | $36.44M 10.77% | 0.00 | 0.00 | 812.74K |
AMERICAN CENTY ETF TRSOLE | US EQT ETF | 230.31K | SH | $23.31M 6.89% | 0.00 | 0.00 | 230.31K |
DIMENSIONAL ETF TRUSTSOLE | US SMALL CAP ETF | 341.55K | SH | $22.10M 6.53% | 0.00 | 0.00 | 341.55K |
JANUS DETROIT STR TRSOLE | HENDRSON AAA CL | 382.57K | SH | $19.35M 5.72% | 0.00 | 0.00 | 382.57K |
DIMENSIONAL ETF TRUSTSOLE | CORE FIXED INCOM | 343.11K | SH | $14.50M 4.28% | 0.00 | 0.00 | 343.11K |
VANGUARD MUN BD FDSSOLE | TAX EXEMPT BD | 276.71K | SH | $13.54M 4.00% | 0.00 | 0.00 | 276.71K |
VANGUARD SCOTTSDALE FDSSOLE | INT-TERM CORP | 93.13K | SH | $7.69M 2.27% | 0.00 | 0.00 | 93.13K |
RBB FD INCSOLE | US TREAS 3 MNTH | 137.85K | SH | $6.87M 2.03% | 0.00 | 0.00 | 137.85K |
AMERICAN CENTY ETF TRSOLE | INTL EQT ETF | 86.83K | SH | $6.42M 1.90% | 0.00 | 0.00 | 86.83K |
SCHWAB STRATEGIC TRSOLE | INTL SCEQT ETF | 130.90K | SH | $5.56M 1.64% | 0.00 | 0.00 | 130.90K |
APPLE INCSOLE | COM | 9.18K | SH | $1.91M 0.56% | 0.00 | 0.00 | 9.18K |
VANGUARD INTL EQUITY INDEX FSOLE | TT WRLD ST ETF | 7.20K | SH | $925.4K 0.27% | 0.00 | 0.00 | 7.20K |
MICROSOFT CORPSOLE | COM | 1.81K | SH | $888.5K 0.26% | 0.00 | 0.00 | 1.81K |
MARRIOTT INTL INC NEWSOLE | CL A | 3.19K | SH | $887.3K 0.26% | 0.00 | 0.00 | 3.19K |
VANGUARD INDEX FDSSOLE | MID CAP ETF | 2.40K | SH | $676.0K 0.20% | 0.00 | 0.00 | 2.40K |
AMAZON COM INCSOLE | COM | 2.67K | SH | $588.6K 0.17% | 0.00 | 0.00 | 2.67K |
VISA INCSOLE | COM CL A | 1.60K | SH | $570.2K 0.17% | 0.00 | 0.00 | 1.60K |
INVESCO QQQ TRSOLE | UNIT SER 1 | 910.00 | SH | $497.8K 0.15% | 0.00 | 0.00 | 910.00 |
LOCKHEED MARTIN CORPSOLE | COM | 1.01K | SH | $470.1K 0.14% | 0.00 | 0.00 | 1.01K |
BERKSHIRE HATHAWAY INC DELSOLE | CL B NEW | 954.00 | SH | $467.1K 0.14% | 0.00 | 0.00 | 954.00 |
ISHARES TRSOLE | CORE 80/20 AGGRE | 4.94K | SH | $411.5K 0.12% | 0.00 | 0.00 | 4.94K |
ISHARES TRSOLE | CORE 60/40 BALAN | 6.12K | SH | $376.4K 0.11% | 0.00 | 0.00 | 6.12K |
Page 1 of 2