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Divergent Planning Portfolio holdings

AUM $392M
1-Year Est. Return 13.55%
This Fund
S&P 500
This Quarter Est. Return
+6.11%
1 Year Est. Return
+13.55%
3 Year Est. Return
+43.33%
5 Year Est. Return
+41.46%
10 Year Est. Return
–
AUM
$376M
AUM Growth
+$37.8M
Cap. Flow
+$15.9M
Cap. Flow %
4.23%
Top 10 Hldgs %
90.36%
Holding
36
New
1
Increased
19
Reduced
7
Closed
1
Avg Time Held
10.4 quarters
Top 10 Avg Time Held
10.8 quarters
Top 20 Avg Time Held
10.1 quarters

Top Buys

Rank Stock Value
1
TBIL
F/m US Treasury 3 Month Bill Fund
TBIL
+$3.5M
2
JMBS icon
Janus Henderson Mortgage-Backed Securities ETF
JMBS
+$2.78M
3
IVV icon
iShares Core S&P 500 ETF
IVV
+$2.62M
4
MDY icon
State Street SPDR S&P MIDCAP 400 ETF Trust
MDY
+$2.37M
5
VCIT icon
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
+$1.7M

Top Sells

Rank Stock Value
1
DFCF icon
Dimensional Core Fixed Income ETF
DFCF
+$1.35M
2
NFLX icon
Netflix
NFLX
+$290K
3
AAPL icon
Apple
AAPL
+$74.5K
4
MSFT icon
Microsoft
MSFT
+$63.3K
5
AMZN icon
Amazon
AMZN
+$24.9K

Sector Composition

Rank Sector Weight
1 Miscellaneous 98.12%
2 Technology 0.98%
3 Consumer Discretionary 0.38%
4 Financials 0.3%
5 Industrials 0.14%
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
$99.2M 26.37%
147,527
+4,070
+3% +$2.62M
2020 Q4
19 quarters
AVDV icon
2
Avantis International Small Cap Value ETF
AVDV
$20.3B
$47.9M 12.73%
532,016
+391
+0.1% +$32.9K
2022 Q2
13 quarters
MDY icon
3
State Street SPDR S&P MIDCAP 400 ETF Trust
MDY
$25.7B
$44.6M 11.86%
74,284
+4,041
+6% +$2.37M
2023 Q1
10 quarters
JMBS icon
4
Janus Henderson Mortgage-Backed Securities ETF
JMBS
$6.31B
$39.9M 10.61%
874,439
+61,696
+8% +$2.78M
2021 Q2
17 quarters
AVUS icon
5
Avantis US Equity ETF
AVUS
$14.7B
$26M 6.91%
237,847
+7,534
+3% +$791K
2022 Q2
13 quarters
DFAS icon
6
U.S. Small Cap Portfolio ETF Class Shares
DFAS
$15B
$24.4M 6.5%
353,779
+12,234
+4% +$817K
2024 Q1
6 quarters
JAAA icon
7
Janus Henderson AAA CLO ETF
JAAA
$31.6B
$19.9M 5.29%
393,494
+10,920
+3% +$553K
2024 Q2
5 quarters
VTEB icon
8
Vanguard Tax-Exempt Bond Index Fund
VTEB
$44.4B
$14.3M 3.79%
285,196
+8,489
+3% +$417K
2021 Q4
15 quarters
DFCF icon
9
Dimensional Core Fixed Income ETF
DFCF
$11.5B
$13.3M 3.55%
311,353
-31,757
-9% -$1.35M
2022 Q4
11 quarters
TBIL
10
F/m US Treasury 3 Month Bill Fund
TBIL
$7.44B
$10.4M 2.76%
207,926
+70,078
+51% +$3.5M
2023 Q3
8 quarters
VCIT icon
11
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
$67.7B
$9.55M 2.54%
113,615
+20,483
+22% +$1.7M
2022 Q4
11 quarters
AVDE icon
12
Avantis International Equity ETF
AVDE
$19B
$8.6M 2.29%
107,561
+20,736
+24% +$1.58M
2025 Q2
1 quarter
SCHC icon
13
Schwab International Small-Cap Equity ETF
SCHC
$5.56B
$6.21M 1.65%
134,925
+4,021
+3% +$177K
2025 Q2
1 quarter
AAPL icon
14
Apple
AAPL
$4.91T
$2.28M 0.61%
8,850
-330
-4% -$74.5K
2020 Q4
19 quarters
VT icon
15
Vanguard Total World Stock ETF
VT
$81.6B
$1.06M 0.28%
7,591
+391
+5% +$52K
2020 Q4
19 quarters
MSFT icon
16
Microsoft
MSFT
$3.97T
$870K 0.23%
1,682
-124
-7% -$63.3K
2024 Q1
6 quarters
MAR icon
17
Marriott International
MAR
$95.4B
$860K 0.23%
3,214
+23
+0.7% +$6.18K
2020 Q4
19 quarters
VO icon
18
Vanguard Morningstar Mid-Cap ETF
VO
$106B
$705K 0.19%
9,548
-60
-0.6% -$4.31K
2020 Q4
19 quarters
QQQ icon
19
Invesco QQQ Trust
QQQ
$507B
$581K 0.15%
963
+53
+6% +$30.3K
2024 Q1
6 quarters
AMZN icon
20
Amazon
AMZN
$2.83T
$562K 0.15%
2,560
-110
-4% -$24.9K
2023 Q2
9 quarters
V icon
21
Visa
V
$724B
$561K 0.15%
1,604
– –
2020 Q4
19 quarters
LMT icon
22
Lockheed Martin
LMT
$118B
$509K 0.14%
1,009
– –
2022 Q1
14 quarters
BRK.B icon
23
Berkshire Hathaway Class B
BRK.B
$1.1T
$476K 0.13%
954
– –
2020 Q4
19 quarters
AOA icon
24
iShares Core 80/20 Aggressive Allocation ETF
AOA
$3.34B
$441K 0.12%
4,975
+38
+0.8% +$3.24K
2020 Q4
19 quarters
VUG icon
25
Vanguard Morningstar Growth ETF
VUG
$237B
$415K 0.11%
5,172
– –
2023 Q2
9 quarters
1
2

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AWIRL
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RPCA
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JHCM
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KK
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MWM
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Divergent Planning's Q3 2025 Portfolio in Review

As of Q3 2025, Divergent Planning held 36 positions worth $376M, up 11% from $338M the previous quarter. Its ten largest holdings account for 90% of the portfolio.

Divergent Planning deployed $15.9M of net new capital in Q3 2025, opening 1 new position and adding to 19 existing holdings. Its largest new stake was NVIDIA: 1,383 shares worth $259K.

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

On the sell side, the largest reduction was Dimensional Core Fixed Income ETF, an estimated $1.35M trimmed.

  • Divergent Planning's largest Q3 2025 buy was NVIDIA: 1,383 shares worth $259K.
  • Divergent Planning added most to F/m US Treasury 3 Month Bill Fund in Q3 2025, an estimated $3.5M increase.
  • Divergent Planning's biggest Q3 2025 reduction was Dimensional Core Fixed Income ETF, cutting an estimated $1.35M.
  • Divergent Planning fully exited Netflix in Q3 2025, selling an estimated $290K.
  • Divergent Planning's ten largest holdings make up 90% of its $376M portfolio in Q3 2025.
  • Divergent Planning opened 1 new position and closed 1 in Q3 2025.
  • Divergent Planning's portfolio value rose 11% quarter-over-quarter to $376M.

Based on Divergent Planning's 13F filing for Q3 2025, filed 9 Oct 2025.