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DP

Divergent Planning Portfolio holdings

AUM $392M
1-Year Est. Return 13.55%
This Fund
S&P 500
This Quarter Est. Return
+2%
1 Year Est. Return
+13.55%
3 Year Est. Return
+43.33%
5 Year Est. Return
+41.46%
10 Year Est. Return
–
AUM
$392M
AUM Growth
+$15.4M
Cap. Flow
+$8.03M
Cap. Flow %
2.05%
Top 10 Hldgs %
90.43%
Holding
37
New
2
Increased
16
Reduced
10
Closed
1
Avg Time Held
10.5 quarters
Top 10 Avg Time Held
11.8 quarters
Top 20 Avg Time Held
10.6 quarters

Top Buys

Rank Stock Value
1
JMBS icon
Janus Henderson Mortgage-Backed Securities ETF
JMBS
+$2M
2
JAAA icon
Janus Henderson AAA CLO ETF
JAAA
+$1.21M
3
MDY icon
State Street SPDR S&P MIDCAP 400 ETF Trust
MDY
+$1.17M
4
TBIL
F/m US Treasury 3 Month Bill Fund
TBIL
+$971K
5
IVV icon
iShares Core S&P 500 ETF
IVV
+$890K

Top Sells

Rank Stock Value
1
BRK.B icon
Berkshire Hathaway Class B
BRK.B
+$476K
2
AVDV icon
Avantis International Small Cap Value ETF
AVDV
+$193K
3
VT icon
Vanguard Total World Stock ETF
VT
+$87.6K
4
MSFT icon
Microsoft
MSFT
+$84.7K
5
AAPL icon
Apple
AAPL
+$71.4K

Sector Composition

Rank Sector Weight
1 Miscellaneous 98.12%
2 Technology 0.91%
3 Consumer Discretionary 0.39%
4 Financials 0.35%
5 Industrials 0.13%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow Held Since
IVV icon
1
iShares Core S&P 500 ETF
IVV
$899B
$102M 26.08%
148,837
+1,310
+0.9% +$890K
2020 Q4
20 quarters
AVDV icon
2
Avantis International Small Cap Value ETF
AVDV
$20.3B
$50.2M 12.83%
529,894
-2,122
-0.4% -$193K
2022 Q2
14 quarters
MDY icon
3
State Street SPDR S&P MIDCAP 400 ETF Trust
MDY
$25.7B
$46.6M 11.9%
76,242
+1,958
+3% +$1.17M
2023 Q1
11 quarters
JMBS icon
4
Janus Henderson Mortgage-Backed Securities ETF
JMBS
$6.31B
$41.8M 10.69%
918,067
+43,628
+5% +$2M
2021 Q2
18 quarters
AVUS icon
5
Avantis US Equity ETF
AVUS
$14.7B
$27.3M 6.96%
242,241
+4,394
+2% +$484K
2022 Q2
14 quarters
DFAS icon
6
U.S. Small Cap Portfolio ETF Class Shares
DFAS
$15B
$25.4M 6.49%
361,021
+7,242
+2% +$499K
2024 Q1
7 quarters
JAAA icon
7
Janus Henderson AAA CLO ETF
JAAA
$31.6B
$21.1M 5.39%
417,349
+23,855
+6% +$1.21M
2024 Q2
6 quarters
VTEB icon
8
Vanguard Tax-Exempt Bond Index Fund
VTEB
$44.4B
$14.7M 3.76%
292,191
+6,995
+2% +$352K
2021 Q4
16 quarters
DFCF icon
9
Dimensional Core Fixed Income ETF
DFCF
$11.5B
$13.4M 3.42%
314,352
+2,999
+1% +$128K
2022 Q4
12 quarters
TBIL
10
F/m US Treasury 3 Month Bill Fund
TBIL
$7.44B
$11.3M 2.9%
227,379
+19,453
+9% +$971K
2023 Q3
9 quarters
VCIT icon
11
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
$67.7B
$9.65M 2.46%
115,213
+1,598
+1% +$134K
2022 Q4
12 quarters
AVDE icon
12
Avantis International Equity ETF
AVDE
$19B
$9.12M 2.33%
109,710
+2,149
+2% +$172K
2025 Q2
2 quarters
SCHC icon
13
Schwab International Small-Cap Equity ETF
SCHC
$5.56B
$6.32M 1.61%
137,675
+2,750
+2% +$125K
2025 Q2
2 quarters
AAPL icon
14
Apple
AAPL
$4.91T
$2.33M 0.59%
8,584
-266
-3% -$71.4K
2020 Q4
20 quarters
VT icon
15
Vanguard Total World Stock ETF
VT
$81.6B
$990K 0.25%
6,964
-627
-8% -$87.6K
2020 Q4
20 quarters
MAR icon
16
Marriott International
MAR
$95.4B
$946K 0.24%
3,017
-197
-6% -$56.3K
2020 Q4
20 quarters
MS icon
17
Morgan Stanley
MS
$298B
$763K 0.19%
+4,193
New +$699K
2025 Q4
0 quarters
MSFT icon
18
Microsoft
MSFT
$3.97T
$715K 0.18%
1,513
-169
-10% -$84.7K
2024 Q1
7 quarters
VO icon
19
Vanguard Morningstar Mid-Cap ETF
VO
$106B
$646K 0.17%
8,836
-712
-7% -$51.8K
2020 Q4
20 quarters
QQQ icon
20
Invesco QQQ Trust
QQQ
$507B
$635K 0.16%
1,036
+73
+8% +$44.8K
2024 Q1
7 quarters
AMZN icon
21
Amazon
AMZN
$2.83T
$580K 0.15%
2,560
– –
2023 Q2
10 quarters
V icon
22
Visa
V
$724B
$556K 0.14%
1,604
– –
2020 Q4
20 quarters
LMT icon
23
Lockheed Martin
LMT
$118B
$502K 0.13%
1,009
– –
2022 Q1
15 quarters
AOA icon
24
iShares Core 80/20 Aggressive Allocation ETF
AOA
$3.34B
$454K 0.12%
5,047
+72
+1% +$6.41K
2020 Q4
20 quarters
AOR icon
25
iShares Core 60/40 Balanced Allocation ETF
AOR
$3.9B
$409K 0.1%
6,262
+174
+3% +$11.3K
2020 Q4
20 quarters
1
2

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Divergent Planning's Q4 2025 Portfolio in Review

As of Q4 2025, Divergent Planning held 37 positions worth $392M, up 4.1% from $376M the previous quarter. Its ten largest holdings account for 90% of the portfolio.

Divergent Planning's Q4 2025 filing shows 2 new, 16 increased, 10 reduced and 1 closed positions. Its largest new stake was Morgan Stanley: 4,193 shares worth $763K. The largest sale was Berkshire Hathaway Class B, an estimated $476K.

By sector, the portfolio is most concentrated in Miscellaneous at 98% of assets, down from 98% a quarter earlier, followed by Technology and Consumer Discretionary.

  • Divergent Planning's largest Q4 2025 buy was Morgan Stanley: 4,193 shares worth $763K.
  • Divergent Planning added most to Janus Henderson Mortgage-Backed Securities ETF in Q4 2025, an estimated $2M increase.
  • Divergent Planning's biggest Q4 2025 reduction was Avantis International Small Cap Value ETF, cutting an estimated $193K.
  • Divergent Planning fully exited Berkshire Hathaway Class B in Q4 2025, selling an estimated $476K.
  • Divergent Planning's ten largest holdings make up 90% of its $392M portfolio in Q4 2025.
  • Divergent Planning opened 2 new positions and closed 1 in Q4 2025.
  • Divergent Planning's portfolio value rose 4.1% quarter-over-quarter to $392M.

Based on Divergent Planning's 13F filing for Q4 2025, filed 12 Jan 2026.