Divergent Planning, LLC Long-Term Concentrated

CIK: 0001730787 · Show all filings

Period: Q3 2025 (← Previous) (Next →)

Filing Date: Oct 27, 2025

Total Value ($000): $376,178 (100.0% shares, 0.0% debt)

Holdings (35)

IVV ISHARES TR 26.4%

Value ($000) $99,200 Shares 147,527 Est. Cost $410.56 Unrealized —

AVDV AMERICAN CENTY ETF TR 12.7%

Value ($000) $47,903 Shares 532,016 Est. Cost $56.57 Unrealized —

MDY SPDR S&P MIDCAP 400 ETF TR 11.9%

Value ($000) $44,621 Shares 74,284 Est. Cost $484.60 Unrealized —

JMBS JANUS DETROIT STR TR 10.6%

Value ($000) $39,901 Shares 874,439 Est. Cost $48.25 Unrealized —

AVUS AMERICAN CENTY ETF TR 6.9%

Value ($000) $25,975 Shares 237,847 Est. Cost $71.65 Unrealized —

DFAS DIMENSIONAL ETF TRUST 6.5%

Value ($000) $24,446 Shares 353,779 Est. Cost $63.42 Unrealized —

JAAA JANUS DETROIT STR TR 5.3%

Value ($000) $19,911 Shares 393,494 Est. Cost $50.63 Unrealized —

VTEB VANGUARD MUN BD FDS 3.8%

Value ($000) $14,254 Shares 285,196 Est. Cost $50.70 Unrealized —

DFCF DIMENSIONAL ETF TRUST 3.5%

Value ($000) $13,348 Shares 311,353 Est. Cost $41.76 Unrealized —

TBIL RBB FD INC 2.8%

Value ($000) $10,369 Shares 207,926 Est. Cost $49.85 Unrealized —

VCIT VANGUARD SCOTTSDALE FDS 2.5%

Value ($000) $9,550 Shares 113,615 Est. Cost $79.53 Unrealized —

AVDE AMERICAN CENTY ETF TR 2.3%

Value ($000) $8,603 Shares 107,561 Est. Cost $75.10 Unrealized —

SCHC SCHWAB STRATEGIC TR 1.7%

Value ($000) $6,212 Shares 134,925 Est. Cost $42.56 Unrealized —

AAPL APPLE INC 0.6%

Value ($000) $2,283 Shares 8,850 Est. Cost $131.79 Unrealized +71.2%

VT VANGUARD INTL EQUITY INDEX F 0.3%

Value ($000) $1,056 Shares 7,591 Est. Cost $100.65 Unrealized —

MSFT MICROSOFT CORP 0.2%

Value ($000) $870 Shares 1,682 Est. Cost $409.27 Unrealized +24.3%

MAR MARRIOTT INTL INC NEW 0.2%

Value ($000) $860 Shares 3,214 Est. Cost $110.17 Unrealized +142.8%

VO VANGUARD INDEX FDS 0.2%

Value ($000) $705 Shares 2,387 Est. Cost $256.06 Unrealized —

QQQ INVESCO QQQ TR 0.2%

Value ($000) $581 Shares 963 Est. Cost $463.70 Unrealized —

AMZN AMAZON COM INC 0.1%

Value ($000) $562 Shares 2,560 Est. Cost $141.56 Unrealized +59.9%

V VISA INC 0.1%

Value ($000) $561 Shares 1,604 Est. Cost $214.13 Unrealized +61.2%

LMT LOCKHEED MARTIN CORP 0.1%

Value ($000) $509 Shares 1,009 Est. Cost $428.72 Unrealized +4.5%

BRK/B BERKSHIRE HATHAWAY INC DEL 0.1%

Value ($000) $476 Shares 954 Est. Cost $220.20 Unrealized +120.0%

AOA ISHARES TR 0.1%

Value ($000) $441 Shares 4,975 Est. Cost $67.29 Unrealized —

VUG VANGUARD INDEX FDS 0.1%

Value ($000) $415 Shares 862 Est. Cost $295.57 Unrealized —

AOR ISHARES TR 0.1%

Value ($000) $393 Shares 6,088 Est. Cost $53.15 Unrealized —

SPLV INVESCO EXCH TRADED FD TR II 0.1%

Value ($000) $344 Shares 4,715 Est. Cost $56.22 Unrealized —

VTI VANGUARD INDEX FDS 0.1%

Value ($000) $327 Shares 992 Est. Cost $304.04 Unrealized —

VOO VANGUARD INDEX FDS 0.1%

Value ($000) $289 Shares 469 Est. Cost $567.77 Unrealized —

ACN ACCENTURE PLC IRELAND 0.1%

Value ($000) $285 Shares 1,162 Est. Cost $295.97 Unrealized -11.9%

GOOG ALPHABET INC 0.1%

Value ($000) $283 Shares 1,148 Est. Cost $177.15 Unrealized +18.5%

GLD SPDR GOLD TR 0.1%

Value ($000) $277 Shares 775 Est. Cost $288.16 Unrealized —

NVDA NVIDIA CORPORATION 0.1%

Value ($000) $259 Shares 1,383 Est. Cost $174.29 Unrealized 0.0%

— FS CREDIT OPPORTUNITIES CORP 0.0%

Value ($000) $77 Shares 11,030 Est. Cost $4.53 Unrealized —

HCAT HEALTH CATALYST INC 0.0%

Value ($000) $33 Shares 10,998 Est. Cost $3.93 Unrealized -13.0%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	147,527	$99,200	26.4%	$410.56	—	CORE S&P500 ETF	464287200
AVDV	AMERICAN CENTY ETF TR	532,016	$47,903	12.7%	$56.57	—	INTL SMCP VLU	025072802
MDY	SPDR S&P MIDCAP 400 ETF TR	74,284	$44,621	11.9%	$484.60	—	UTSER1 S&PDCRP	78467Y107
JMBS	JANUS DETROIT STR TR	874,439	$39,901	10.6%	$48.25	—	HENDERSON MTG	47103U852
AVUS	AMERICAN CENTY ETF TR	237,847	$25,975	6.9%	$71.65	—	US EQT ETF	025072885
DFAS	DIMENSIONAL ETF TRUST	353,779	$24,446	6.5%	$63.42	—	US SMALL CAP ETF	25434V500
JAAA	JANUS DETROIT STR TR	393,494	$19,911	5.3%	$50.63	—	HENDRSON AAA CL	47103U845
VTEB	VANGUARD MUN BD FDS	285,196	$14,254	3.8%	$50.70	—	TAX EXEMPT BD	922907746
DFCF	DIMENSIONAL ETF TRUST	311,353	$13,348	3.5%	$41.76	—	CORE FIXED INCOM	25434V872
TBIL	RBB FD INC	207,926	$10,369	2.8%	$49.85	—	US TREAS 3 MNTH	74933W452
VCIT	VANGUARD SCOTTSDALE FDS	113,615	$9,550	2.5%	$79.53	—	INT-TERM CORP	92206C870
AVDE	AMERICAN CENTY ETF TR	107,561	$8,603	2.3%	$75.10	—	INTL EQT ETF	025072703
SCHC	SCHWAB STRATEGIC TR	134,925	$6,212	1.7%	$42.56	—	INTL SCEQT ETF	808524888
AAPL	APPLE INC	8,850	$2,283	0.6%	$131.79	+71.2%	COM	037833100
VT	VANGUARD INTL EQUITY INDEX F	7,591	$1,056	0.3%	$100.65	—	TT WRLD ST ETF	922042742
MSFT	MICROSOFT CORP	1,682	$870	0.2%	$409.27	+24.3%	COM	594918104
MAR	MARRIOTT INTL INC NEW	3,214	$860	0.2%	$110.17	+142.8%	CL A	571903202
VO	VANGUARD INDEX FDS	2,387	$705	0.2%	$256.06	—	MID CAP ETF	922908629
QQQ	INVESCO QQQ TR	963	$581	0.2%	$463.70	—	UNIT SER 1	46090E103
AMZN	AMAZON COM INC	2,560	$562	0.1%	$141.56	+59.9%	COM	023135106
V	VISA INC	1,604	$561	0.1%	$214.13	+61.2%	COM CL A	92826C839
LMT	LOCKHEED MARTIN CORP	1,009	$509	0.1%	$428.72	+4.5%	COM	539830109
BRK/B	BERKSHIRE HATHAWAY INC DEL	954	$476	0.1%	$220.20	+120.0%	CL B NEW	084670702
AOA	ISHARES TR	4,975	$441	0.1%	$67.29	—	CORE 80/20 AGGRE	464289859
VUG	VANGUARD INDEX FDS	862	$415	0.1%	$295.57	—	GROWTH ETF	922908736
AOR	ISHARES TR	6,088	$393	0.1%	$53.15	—	CORE 60/40 BALAN	464289867
SPLV	INVESCO EXCH TRADED FD TR II	4,715	$344	0.1%	$56.22	—	S&P500 LOW VOL	46138E354
VTI	VANGUARD INDEX FDS	992	$327	0.1%	$304.04	—	TOTAL STK MKT	922908769
VOO	VANGUARD INDEX FDS	469	$289	0.1%	$567.77	—	S&P 500 ETF SHS	922908363
ACN	ACCENTURE PLC IRELAND	1,162	$285	0.1%	$295.97	-11.9%	SHS CLASS A	G1151C101
GOOG	ALPHABET INC	1,148	$283	0.1%	$177.15	+18.5%	CAP STK CL C	02079K107
GLD	SPDR GOLD TR	775	$277	0.1%	$288.16	—	GOLD SHS	78463V107
NVDA	NVIDIA CORPORATION	1,383	$259	0.1%	$174.29	0.0%	COM	67066G104
—	FS CREDIT OPPORTUNITIES CORP	11,030	$77	0.0%	$4.53	—	COMMON STOCK	30290Y101
HCAT	HEALTH CATALYST INC	10,998	$33	0.0%	$3.93	-13.0%	COM	42225T107