Divergent Planning

BETHESDA, MDfiles as Divergent Planning, LLC

$392m in 36 US stocks at the end of 31 December 2025. The top 10 are 90.4% of the money. It changed about 0.9% of the portfolio this quarter.

Value

$392m

Stocks

Top 10 share

90.4%

Turnover

0.9%

What changed this quarter

New

Bought for the first time this quarter.

Morgan StanleyMS
0.2% of the fund
Ishares Core 30/70AOK
<0.1% of the fund

Added

Bought more of a stock they already held.

State STR Spdr S&P Midcap 40MDY
11.9% of the fund
+3%
Janus Detroit STR TRJMBS
10.7% of the fund
+5%
Dimensional ETF TrustDFAS
6.5% of the fund
+2%
Janus Detroit STR TRJAAA
5.4% of the fund
+6%
Vanguard MUN BD FDSVTEB
3.8% of the fund
+2%
RBB FDTBIL
2.9% of the fund
+9%
Schwab Strategic TRSCHC
1.6% of the fund
+2%
Invesco QQQ TRQQQ
0.2% of the fund
+8%
Ishares TRAOR
0.1% of the fund
+3%

Cut

Sold some of their stake.

AppleAAPL
0.6% of the fund
-3%
Vanguard Intl Equity Index FVT
0.3% of the fund
-8%
Marriott InternationalMAR
0.2% of the fund
-6%
MicrosoftMSFT
0.2% of the fund
-10%
Vanguard Index FDSVO
0.2% of the fund
-7%
Vanguard Index FDSVUG
<0.1% of the fund
-8%
Vanguard Index FDSVTI
<0.1% of the fund
-3%
NvidiaNVDA
<0.1% of the fund
-16%
FS Credit OpportunitiesFSCO
<0.1% of the fund
-8%

Sold out

Sold their entire stake.

Berkshire HathawayBRK-B
-100%

Holdings

Ishares TRIVV
Share
26.1%
Value
$102m
Shares
148,837
Held
American Centy ETF TRAVDV
Share
12.8%
Value
$50m
Shares
529,894
Held
State STR Spdr S&P Midcap 40MDY
Share
11.9%
Value
$47m
Shares
76,242
+3%
Janus Detroit STR TRJMBS
Share
10.7%
Value
$42m
Shares
918,067
+5%
American Centy ETF TRAVUS
Share
7.0%
Value
$27m
Shares
242,241
Held
Dimensional ETF TrustDFAS
Share
6.5%
Value
$25m
Shares
361,021
+2%
Janus Detroit STR TRJAAA
Share
5.4%
Value
$21m
Shares
417,349
+6%
Vanguard MUN BD FDSVTEB
Share
3.8%
Value
$15m
Shares
292,191
+2%
Dimensional ETF TrustDFCF
Share
3.4%
Value
$13m
Shares
314,352
Held
RBB FDTBIL
Share
2.9%
Value
$11m
Shares
227,379
+9%
Vanguard Scottsdale FDSVCIT
Share
2.5%
Value
$10m
Shares
115,213
Held
American Centy ETF TRAVDE
Share
2.3%
Value
$9m
Shares
109,710
Held
Schwab Strategic TRSCHC
Share
1.6%
Value
$6m
Shares
137,675
+2%
AppleAAPL
Share
0.6%
Value
$2m
Shares
8,584
-3%
Vanguard Intl Equity Index FVT
Share
0.3%
Value
$989,584
Shares
6,964
-8%
Marriott InternationalMAR
Share
0.2%
Value
$945,558
Shares
3,017
-6%
Morgan StanleyMS
Share
0.2%
Value
$762,707
Shares
4,193
New
MicrosoftMSFT
Share
0.2%
Value
$715,379
Shares
1,513
-10%
Vanguard Index FDSVO
Share
0.2%
Value
$646,420
Shares
2,209
-7%
Invesco QQQ TRQQQ
Share
0.2%
Value
$635,266
Shares
1,036
+8%
Amazon.comAMZN
Share
0.1%
Value
$579,840
Shares
2,560
Held
VisaV
Share
0.1%
Value
$555,754
Shares
1,604
Held
Lockheed MartinLMT
Share
0.1%
Value
$501,544
Shares
1,009
Held
Ishares TRAOA
Share
0.1%
Value
$454,468
Shares
5,047
Held
Ishares TRAOR
Share
0.1%
Value
$408,846
Shares
6,262
+3%
Vanguard Index FDSVUG
Share
<0.1%
Value
$384,098
Shares
790
-8%
AlphabetGOOG
Share
<0.1%
Value
$361,987
Shares
1,148
Held
Invesco Exch Traded FD TR IISPLV
Share
<0.1%
Value
$337,582
Shares
4,741
Held
Vanguard Index FDSVTI
Share
<0.1%
Value
$322,804
Shares
960
-3%
Spdr Gold TRGLD
Share
<0.1%
Value
$308,667
Shares
775
Held
AccentureACN
Share
<0.1%
Value
$302,062
Shares
1,162
Held
Vanguard Index FDSVOO
Share
<0.1%
Value
$294,673
Shares
469
Held
Ishares Core 30/70AOK
Share
<0.1%
Value
$241,962
Shares
6,001
New
NvidiaNVDA
Share
<0.1%
Value
$219,633
Shares
1,163
-16%
FS Credit OpportunitiesFSCO
Share
<0.1%
Value
$64,427
Shares
10,146
-8%
Health CatalystHCAT
Share
<0.1%
Value
$25,075
Shares
10,998
Held

Company	Share of fund	Value	Shares	Change
Ishares TRIVV	26.1%	$102m	148,837	Held
American Centy ETF TRAVDV	12.8%	$50m	529,894	Held
State STR Spdr S&P Midcap 40MDY	11.9%	$47m	76,242	+3%
Janus Detroit STR TRJMBS	10.7%	$42m	918,067	+5%
American Centy ETF TRAVUS	7.0%	$27m	242,241	Held
Dimensional ETF TrustDFAS	6.5%	$25m	361,021	+2%
Janus Detroit STR TRJAAA	5.4%	$21m	417,349	+6%
Vanguard MUN BD FDSVTEB	3.8%	$15m	292,191	+2%
Dimensional ETF TrustDFCF	3.4%	$13m	314,352	Held
RBB FDTBIL	2.9%	$11m	227,379	+9%
Vanguard Scottsdale FDSVCIT	2.5%	$10m	115,213	Held
American Centy ETF TRAVDE	2.3%	$9m	109,710	Held
Schwab Strategic TRSCHC	1.6%	$6m	137,675	+2%
AppleAAPL	0.6%	$2m	8,584	-3%
Vanguard Intl Equity Index FVT	0.3%	$989,584	6,964	-8%
Marriott InternationalMAR	0.2%	$945,558	3,017	-6%
Morgan StanleyMS	0.2%	$762,707	4,193	New
MicrosoftMSFT	0.2%	$715,379	1,513	-10%
Vanguard Index FDSVO	0.2%	$646,420	2,209	-7%
Invesco QQQ TRQQQ	0.2%	$635,266	1,036	+8%
Amazon.comAMZN	0.1%	$579,840	2,560	Held
VisaV	0.1%	$555,754	1,604	Held
Lockheed MartinLMT	0.1%	$501,544	1,009	Held
Ishares TRAOA	0.1%	$454,468	5,047	Held
Ishares TRAOR	0.1%	$408,846	6,262	+3%
Vanguard Index FDSVUG	<0.1%	$384,098	790	-8%
AlphabetGOOG	<0.1%	$361,987	1,148	Held
Invesco Exch Traded FD TR IISPLV	<0.1%	$337,582	4,741	Held
Vanguard Index FDSVTI	<0.1%	$322,804	960	-3%
Spdr Gold TRGLD	<0.1%	$308,667	775	Held
AccentureACN	<0.1%	$302,062	1,162	Held
Vanguard Index FDSVOO	<0.1%	$294,673	469	Held
Ishares Core 30/70AOK	<0.1%	$241,962	6,001	New
NvidiaNVDA	<0.1%	$219,633	1,163	-16%
FS Credit OpportunitiesFSCO	<0.1%	$64,427	10,146	-8%
Health CatalystHCAT	<0.1%	$25,075	10,998	Held

Over time and by industry

Value over time

Jun '25

Dec '25

Value is up 15.7% since 30 June 2025.

Where the money is

Technology0.9%

Retail & consumer0.4%

Financial services0.3%

Industrials0.1%

Media & telecom0.1%

Other98.1%

From the fund's 13F filings. They list US stocks and options only, 45 days after each quarter, and leave out cash, bonds, shorts and foreign shares.