DIVERGENT PLANNING, LLC

Filed: 1/12/2026ACC: 0001730787-26-000002

📋 What this filing means

DIVERGENT PLANNING, LLC filed this quarterly 13F‑HR report disclosing 36 equity positions with a total reported market value of $391.54M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$391.54M

Total AUM (reported)

3.97M

Total Shares

Allocation by class

CORE S&P500 ETF$102.13M26.1%

INTL SMCP VLU$50.24M12.8%

UTSER1 S&PDCRP$46.61M11.9%

HENDERSON MTG$41.85M10.7%

US EQT ETF$27.26M7.0%

US SMALL CAP ETF$25.41M6.5%

HENDRSON AAA CL$21.12M5.4%

Portfolio Concentration

Top 3$198.98M50.8%

4–10$155.08M39.6%

11–25$34.61M8.8%

Rest$2.86M0.7%

Top 3 weight

50.8%

Top 10 weight

90.4%

Voting Authority Distribution

Total shares with voting rights: 3.97M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

3.97M

% of voting shares100.0%

Investment Discretion (by position count)

Sole36

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings36

Rows:

ISHARES TR

SOLE

CORE S&P500 ETF

Shares148.84K

TypeSH

Market value$102.13M

26.08%

Sole

0.00

Shared

0.00

None

148.84K

AMERICAN CENTY ETF TR

SOLE

INTL SMCP VLU

Shares529.89K

TypeSH

Market value$50.24M

12.83%

Sole

0.00

Shared

0.00

None

529.89K

SPDR S&P MIDCAP 400 ETF TR

SOLE

UTSER1 S&PDCRP

Shares76.24K

TypeSH

Market value$46.61M

11.90%

Sole

0.00

Shared

0.00

None

76.24K

JANUS DETROIT STR TR

SOLE

HENDERSON MTG

Shares918.07K

TypeSH

Market value$41.85M

10.69%

Sole

0.00

Shared

0.00

None

918.07K

AMERICAN CENTY ETF TR

SOLE

US EQT ETF

Shares242.24K

TypeSH

Market value$27.26M

6.96%

Sole

0.00

Shared

0.00

None

242.24K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP ETF

Shares361.02K

TypeSH

Market value$25.41M

6.49%

Sole

0.00

Shared

0.00

None

361.02K

JANUS DETROIT STR TR

SOLE

HENDRSON AAA CL

Shares417.35K

TypeSH

Market value$21.12M

5.39%

Sole

0.00

Shared

0.00

None

417.35K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares292.19K

TypeSH

Market value$14.72M

3.76%

Sole

0.00

Shared

0.00

None

292.19K

DIMENSIONAL ETF TRUST

SOLE

CORE FIXED INCOM

Shares314.35K

TypeSH

Market value$13.38M

3.42%

Sole

0.00

Shared

0.00

None

314.35K

RBB FD INC

SOLE

US TREAS 3 MNTH

Shares227.38K

TypeSH

Market value$11.35M

2.90%

Sole

0.00

Shared

0.00

None

227.38K

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares115.21K

TypeSH

Market value$9.65M

2.46%

Sole

0.00

Shared

0.00

None

115.21K

AMERICAN CENTY ETF TR

SOLE

INTL EQT ETF

Shares109.71K

TypeSH

Market value$9.12M

2.33%

Sole

0.00

Shared

0.00

None

109.71K

SCHWAB STRATEGIC TR

SOLE

INTL SCEQT ETF

Shares137.68K

TypeSH

Market value$6.32M

1.61%

Sole

0.00

Shared

0.00

None

137.68K

APPLE INC

SOLE

COM

Shares8.58K

TypeSH

Market value$2.33M

0.59%

Sole

0.00

Shared

0.00

None

8.58K

VANGUARD INTL EQUITY INDEX F

SOLE

TT WRLD ST ETF

Shares6.96K

TypeSH

Market value$989.6K

0.25%

Sole

0.00

Shared

0.00

None

6.96K

MARRIOTT INTL INC NEW

SOLE

CL A

Shares3.02K

TypeSH

Market value$945.6K

0.24%

Sole

0.00

Shared

0.00

None

3.02K

MORGAN STANLEY

SOLE

COM NEW

Shares4.19K

TypeSH

Market value$762.7K

0.19%

Sole

0.00

Shared

0.00

None

4.19K

MICROSOFT CORP

SOLE

COM

Shares1.51K

TypeSH

Market value$715.4K

0.18%

Sole

0.00

Shared

0.00

None

1.51K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares2.21K

TypeSH

Market value$646.4K

0.17%

Sole

0.00

Shared

0.00

None

2.21K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares1.04K

TypeSH

Market value$635.3K

0.16%

Sole

0.00

Shared

0.00

None

1.04K

AMAZON COM INC

SOLE

COM

Shares2.56K

TypeSH

Market value$579.8K

0.15%

Sole

0.00

Shared

0.00

None

2.56K

VISA INC

SOLE

COM CL A

Shares1.60K

TypeSH

Market value$555.8K

0.14%

Sole

0.00

Shared

0.00

None

1.60K

LOCKHEED MARTIN CORP

SOLE

COM

Shares1.01K

TypeSH

Market value$501.5K

0.13%

Sole

0.00

Shared

0.00

None

1.01K

ISHARES TR

SOLE

CORE 80/20 AGGRE

Shares5.05K

TypeSH

Market value$454.5K

0.12%

Sole

0.00

Shared

0.00

None

5.05K

ISHARES TR

SOLE

CORE 60/40 BALAN

Shares6.26K

TypeSH

Market value$408.8K

0.10%

Sole

0.00

Shared

0.00

None

6.26K

Issuer	Class	Shares	Type	Value / Portfolio %	None
ISHARES TRSOLE	CORE S&P500 ETF	148.84K	SH	$102.13M 26.08%	148.84K
AMERICAN CENTY ETF TRSOLE	INTL SMCP VLU	529.89K	SH	$50.24M 12.83%	529.89K
SPDR S&P MIDCAP 400 ETF TRSOLE	UTSER1 S&PDCRP	76.24K	SH	$46.61M 11.90%	76.24K
JANUS DETROIT STR TRSOLE	HENDERSON MTG	918.07K	SH	$41.85M 10.69%	918.07K
AMERICAN CENTY ETF TRSOLE	US EQT ETF	242.24K	SH	$27.26M 6.96%	242.24K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP ETF	361.02K	SH	$25.41M 6.49%	361.02K
JANUS DETROIT STR TRSOLE	HENDRSON AAA CL	417.35K	SH	$21.12M 5.39%	417.35K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	292.19K	SH	$14.72M 3.76%	292.19K
DIMENSIONAL ETF TRUSTSOLE	CORE FIXED INCOM	314.35K	SH	$13.38M 3.42%	314.35K
RBB FD INCSOLE	US TREAS 3 MNTH	227.38K	SH	$11.35M 2.90%	227.38K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	115.21K	SH	$9.65M 2.46%	115.21K
AMERICAN CENTY ETF TRSOLE	INTL EQT ETF	109.71K	SH	$9.12M 2.33%	109.71K
SCHWAB STRATEGIC TRSOLE	INTL SCEQT ETF	137.68K	SH	$6.32M 1.61%	137.68K
APPLE INCSOLE	COM	8.58K	SH	$2.33M 0.59%	8.58K
VANGUARD INTL EQUITY INDEX FSOLE	TT WRLD ST ETF	6.96K	SH	$989.6K 0.25%	6.96K
MARRIOTT INTL INC NEWSOLE	CL A	3.02K	SH	$945.6K 0.24%	3.02K
MORGAN STANLEYSOLE	COM NEW	4.19K	SH	$762.7K 0.19%	4.19K
MICROSOFT CORPSOLE	COM	1.51K	SH	$715.4K 0.18%	1.51K
VANGUARD INDEX FDSSOLE	MID CAP ETF	2.21K	SH	$646.4K 0.17%	2.21K
INVESCO QQQ TRSOLE	UNIT SER 1	1.04K	SH	$635.3K 0.16%	1.04K
AMAZON COM INCSOLE	COM	2.56K	SH	$579.8K 0.15%	2.56K
VISA INCSOLE	COM CL A	1.60K	SH	$555.8K 0.14%	1.60K
LOCKHEED MARTIN CORPSOLE	COM	1.01K	SH	$501.5K 0.13%	1.01K
ISHARES TRSOLE	CORE 80/20 AGGRE	5.05K	SH	$454.5K 0.12%	5.05K
ISHARES TRSOLE	CORE 60/40 BALAN	6.26K	SH	$408.8K 0.10%	6.26K

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