Divergent Planning, LLC Long-Term Concentrated

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
MDY	SPDR S&P MIDCAP 400 ETF TR	76,242 (+2.6%)	$46,608 (+4.5%)	11.9%	$487.86	—	UTSER1 S&PDCRP	78467Y107
JMBS	JANUS DETROIT STR TR	918,067 (+5.0%)	$41,845 (+4.9%)	10.7%	$48.12	—	HENDERSON MTG	47103U852
AVUS	AMERICAN CENTY ETF TR	242,241 (+1.8%)	$27,264 (+5.0%)	7.0%	$72.39	—	US EQT ETF	025072885
JAAA	JANUS DETROIT STR TR	417,349 (+6.1%)	$21,122 (+6.1%)	5.4%	$50.63	—	HENDRSON AAA CL	47103U845
TBIL	RBB FD INC	227,379 (+9.4%)	$11,346 (+9.4%)	2.9%	$49.85	—	US TREAS 3 MNTH	74933W452
DFAS	DIMENSIONAL ETF TRUST	361,021 (+2.0%)	$25,412 (+4.0%)	6.5%	$63.56	—	US SMALL CAP ETF	25434V500
AVDE	AMERICAN CENTY ETF TR	109,710 (+2.0%)	$9,125 (+6.1%)	2.3%	$75.26	—	INTL EQT ETF	025072703
VTEB	VANGUARD MUN BD FDS	292,191 (+2.5%)	$14,718 (+3.3%)	3.8%	$50.70	—	TAX EXEMPT BD	922907746
SCHC	SCHWAB STRATEGIC TR	137,675 (+2.0%)	$6,321 (+1.8%)	1.6%	$42.62	—	INTL SCEQT ETF	808524888
VCIT	VANGUARD SCOTTSDALE FDS	115,213 (+1.4%)	$9,648 (+1.0%)	2.5%	$79.59	—	INT-TERM CORP	92206C870
QQQ	INVESCO QQQ TR	1,036 (+7.6%)	$635 (+9.4%)	0.2%	$474.23	—	UNIT SER 1	46090E103
AOR	ISHARES TR	6,262 (+2.9%)	$409 (+4.1%)	0.1%	$53.49	—	CORE 60/40 BALAN	464289867
AOA	ISHARES TR	5,047 (+1.4%)	$454 (+3.2%)	0.1%	$67.62	—	CORE 80/20 AGGRE	464289859

Exited Positions (1)

BRK/B BERKSHIRE HATHAWAY INC DEL 0.1%

Value ($000) $476 Shares 954 Est. Cost $220.20 Unrealized +125.9%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
BRK/B	BERKSHIRE HATHAWAY INC DEL	954	$476	0.1%	$220.20	+125.9%	—	084670702

Decreased Positions (9)

MSFT MICROSOFT CORP 0.2%

Value ($000) $715 (-17.8%) Shares 1,513 (-10.0%) Est. Cost $409.27 Unrealized +22.3%

MAR MARRIOTT INTL INC NEW 0.2%

Value ($000) $946 (+10.0%) Shares 3,017 (-6.1%) Est. Cost $110.17 Unrealized +159.0%

VT VANGUARD INTL EQUITY INDEX F 0.3%

Value ($000) $990 (-6.3%) Shares 6,964 (-8.3%) Est. Cost $100.65 Unrealized —

VO VANGUARD INDEX FDS 0.2%

Value ($000) $646 (-8.3%) Shares 2,209 (-7.5%) Est. Cost $256.06 Unrealized —

AAPL APPLE INC 0.6%

Value ($000) $2,326 (+1.9%) Shares 8,584 (-3.0%) Est. Cost $131.79 Unrealized +103.6%

NVDA NVIDIA CORPORATION 0.1%

Value ($000) $220 (-15.4%) Shares 1,163 (-15.9%) Est. Cost $174.29 Unrealized +6.8%

VUG VANGUARD INDEX FDS 0.1%

Value ($000) $384 (-7.4%) Shares 790 (-8.4%) Est. Cost $295.57 Unrealized —

— FS CREDIT OPPORTUNITIES CORP 0.0%

Value ($000) $64 (-16.3%) Shares 10,146 (-8.0%) Est. Cost $4.53 Unrealized —

VTI VANGUARD INDEX FDS 0.1%

Value ($000) $323 (-1.4%) Shares 960 (-3.2%) Est. Cost $304.04 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
MSFT	MICROSOFT CORP	1,513 (-10.0%)	$715 (-17.8%)	0.2%	$409.27	+22.3%	COM	594918104
MAR	MARRIOTT INTL INC NEW	3,017 (-6.1%)	$946 (+10.0%)	0.2%	$110.17	+159.0%	CL A	571903202
VT	VANGUARD INTL EQUITY INDEX F	6,964 (-8.3%)	$990 (-6.3%)	0.3%	$100.65	—	TT WRLD ST ETF	922042742
VO	VANGUARD INDEX FDS	2,209 (-7.5%)	$646 (-8.3%)	0.2%	$256.06	—	MID CAP ETF	922908629
AAPL	APPLE INC	8,584 (-3.0%)	$2,326 (+1.9%)	0.6%	$131.79	+103.6%	COM	037833100
NVDA	NVIDIA CORPORATION	1,163 (-15.9%)	$220 (-15.4%)	0.1%	$174.29	+6.8%	COM	67066G104
VUG	VANGUARD INDEX FDS	790 (-8.4%)	$384 (-7.4%)	0.1%	$295.57	—	GROWTH ETF	922908736
—	FS CREDIT OPPORTUNITIES CORP	10,146 (-8.0%)	$64 (-16.3%)	0.0%	$4.53	—	COMMON STOCK	30290Y101
VTI	VANGUARD INDEX FDS	960 (-3.2%)	$323 (-1.4%)	0.1%	$304.04	—	TOTAL STK MKT	922908769

Unchanged Positions (12)

IVV ISHARES TR 26.1%

Value ($000) $102,130 Shares 148,837 Est. Cost $410.56 Unrealized —

AVDV AMERICAN CENTY ETF TR 12.8%

Value ($000) $50,239 Shares 529,894 Est. Cost $56.57 Unrealized —

GOOG ALPHABET INC 0.1%

Value ($000) $362 Shares 1,148 Est. Cost $177.15 Unrealized +61.6%

GLD SPDR GOLD TR 0.1%

Value ($000) $309 Shares 775 Est. Cost $288.16 Unrealized —

DFCF DIMENSIONAL ETF TRUST 3.4%

Value ($000) $13,376 Shares 314,352 Est. Cost $41.76 Unrealized —

AMZN AMAZON COM INC 0.1%

Value ($000) $580 Shares 2,560 Est. Cost $141.56 Unrealized +61.6%

ACN ACCENTURE PLC IRELAND 0.1%

Value ($000) $302 Shares 1,162 Est. Cost $295.97 Unrealized -14.2%

LMT LOCKHEED MARTIN CORP 0.1%

Value ($000) $502 Shares 1,009 Est. Cost $428.72 Unrealized +11.1%

HCAT HEALTH CATALYST INC 0.0%

Value ($000) $25 Shares 10,998 Est. Cost $3.93 Unrealized -30.5%

SPLV INVESCO EXCH TRADED FD TR II 0.1%

Value ($000) $338 Shares 4,741 Est. Cost $56.22 Unrealized —

VOO VANGUARD INDEX FDS 0.1%

Value ($000) $295 Shares 469 Est. Cost $567.77 Unrealized —

V VISA INC 0.1%

Value ($000) $556 Shares 1,604 Est. Cost $214.13 Unrealized +59.0%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	148,837	$102,130	26.1%	$410.56	—	CORE S&P500 ETF	464287200
AVDV	AMERICAN CENTY ETF TR	529,894	$50,239	12.8%	$56.57	—	INTL SMCP VLU	025072802
GOOG	ALPHABET INC	1,148	$362	0.1%	$177.15	+61.6%	CAP STK CL C	02079K107
GLD	SPDR GOLD TR	775	$309	0.1%	$288.16	—	GOLD SHS	78463V107
DFCF	DIMENSIONAL ETF TRUST	314,352	$13,376	3.4%	$41.76	—	CORE FIXED INCOM	25434V872
AMZN	AMAZON COM INC	2,560	$580	0.1%	$141.56	+61.6%	COM	023135106
ACN	ACCENTURE PLC IRELAND	1,162	$302	0.1%	$295.97	-14.2%	SHS CLASS A	G1151C101
LMT	LOCKHEED MARTIN CORP	1,009	$502	0.1%	$428.72	+11.1%	COM	539830109
HCAT	HEALTH CATALYST INC	10,998	$25	0.0%	$3.93	-30.5%	COM	42225T107
SPLV	INVESCO EXCH TRADED FD TR II	4,741	$338	0.1%	$56.22	—	S&P500 LOW VOL	46138E354
VOO	VANGUARD INDEX FDS	469	$295	0.1%	$567.77	—	S&P 500 ETF SHS	922908363
V	VISA INC	1,604	$556	0.1%	$214.13	+59.0%	COM CL A	92826C839