AI Portfolio Summary
In 2025 Q4, Divergent Planning, LLC maintained a portfolio of 38 distinct positions. The most significant new addition to the portfolio was MORGAN STANLEY, which now represents 0.19% of the total fund value. They heavily accumulated shares in ISHARES TR, increasing their position by 3.8%. Conversely, Divergent Planning, LLC completely exited their position in BERKSHIRE HATHAWAY I.
Total Positions
38
Quarter
2025 Q4
Top Holding
IVV (26.1%)
Top 10 Concentration
90.4%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
1-25 of 38
| Stock | History | Sector / Type | Port % | Prev % | Rank / Prev | Conviction | Change | % Change | Influence | Shares | Mkt Value | Avg Cost | Price Held | 1st Owned | Source | Source Date | Date Reported |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
IVV
ISHARES TR
|
ETF | 26.08% | 26.31% |
#1
Prev: #1
|
10.0 | 5,380 | 3.8% |
P
S
|
148,837 | $102,130,408 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
AVDV
AMERICAN CENTY ...
|
Bond/Debt | 12.83% | 12.46% |
#2
Prev: #2
|
5.1 | -1,731 | -0.3% |
P
S
|
529,894 | $50,239,259 | 2022 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MDY
SPDR S&P MIDCAP...
|
ETF | 11.90% | 11.91% |
#3
Prev: #3
|
6.8 | 5,999 | 8.5% |
P
S
|
76,242 | $46,607,786 | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
JMBS
JANUS DETROIT S...
|
ETF | 10.69% | 10.77% |
#4
Prev: #4
|
6.3 | 105,324 | 13.0% |
P
S
|
918,067 | $41,845,471 | 2021 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
AVUS
AMERICAN CENTY ...
|
ETF | 6.96% | 6.89% |
#5
Prev: #5
|
4.8 | 11,928 | 5.2% |
P
S
|
242,241 | $27,264,197 | 2022 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DFAS
DIMENSIONAL ETF...
|
ETF | 6.49% | 6.53% |
#6
Prev: #6
|
4.6 | 19,476 | 5.7% |
P
S
|
361,021 | $25,412,268 | 2024 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
JAAA
JANUS DETROIT S...
|
ETF | 5.39% | 5.72% |
#7
Prev: #7
|
4.2 | 34,775 | 9.1% |
P
S
|
417,349 | $21,122,054 | 2024 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VTEB
VANGUARD MUN BD...
|
ETF | 3.76% | 4.00% |
#8
1
Prev: #9
|
3.5 | 15,484 | 5.6% |
P
S
|
292,191 | $14,717,663 | 2021 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DFCF
DIMENSIONAL ETF...
|
ETF | 3.42% | 4.28% |
#9
1
Prev: #8
|
1.4 | -28,758 | -8.4% |
P
S
|
314,352 | $13,375,678 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
TBIL
RBB FD INC
|
Bond/Debt | 2.90% | 2.03% |
#10
1
Prev: #11
|
3.4 | 89,531 | 64.9% |
P
S
|
227,379 | $11,346,211 | 2023 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VCIT
VANGUARD SCOTTS...
|
Bond/Debt | 2.46% | 2.27% |
#11
1
Prev: #10
|
3.1 | 22,081 | 23.7% |
P
S
|
115,213 | $9,647,937 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
AVDE
AMERICAN CENTY ...
|
Bond/Debt | 2.33% | 1.90% |
#12
Prev: #12
|
3.0 | 22,885 | 26.4% |
P
S
|
109,710 | $9,124,581 | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SCHC
SCHWAB STRATEGI...
|
Bond/Debt | 1.61% | 1.64% |
#13
Prev: #13
|
2.7 | 6,771 | 5.2% |
P
S
|
137,675 | $6,320,659 | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
AAPL
APPLE INC
|
Technology | 0.59% | 0.56% |
#14
Prev: #14
|
0.3 | -596 | -6.5% |
P
S
|
8,584 | $2,326,350 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VT
VANGUARD INTL E...
|
ETF | 0.25% | 0.27% |
#15
Prev: #15
|
0.1 | -236 | -3.3% |
P
S
|
6,964 | $989,584 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MAR
MARRIOTT INTL I...
|
Consumer Cyclical | 0.24% | 0.26% |
#16
1
Prev: #17
|
0.1 | -174 | -5.5% |
P
S
|
3,017 | $945,558 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MS
MORGAN STANLEY
|
Financial Services | 0.19% | — |
#17
Prev: #—
|
2.1 | 4,193 | no change |
NEW
|
4,193 | $762,707 | 2025 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MSFT
MICROSOFT CORP
|
Technology | 0.18% | 0.26% |
#18
2
Prev: #16
|
0.1 | -293 | -16.2% |
P
S
|
1,513 | $715,379 | 2024 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VO
VANGUARD INDEX ...
|
ETF | 0.17% | 0.20% |
#19
1
Prev: #18
|
0.1 | -193 | -8.0% |
P
S
|
2,209 | $646,420 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
QQQ
INVESCO QQQ TR
|
ETF | 0.16% | 0.15% |
#20
1
Prev: #21
|
2.1 | 126 | 13.8% |
P
S
|
1,036 | $635,266 | 2024 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
AMZN
AMAZON COM INC
|
Consumer Cyclical | 0.15% | 0.17% |
#21
2
Prev: #19
|
0.1 | -110 | -4.1% |
P
S
|
2,560 | $579,840 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
V
VISA INC
|
Financial Services | 0.14% | 0.17% |
#22
2
Prev: #20
|
0.1 | no change | no change |
P
S
|
1,604 | $555,754 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
LMT
LOCKHEED MARTIN...
|
Industrials | 0.13% | 0.14% |
#23
1
Prev: #22
|
0.1 | no change | no change |
P
S
|
1,009 | $501,544 | 2021 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
AOA
ISHARES TR
|
ETF | 0.12% | 0.12% |
#24
Prev: #24
|
2.1 | 110 | 2.2% |
P
S
|
5,047 | $454,468 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
AOR
ISHARES TR
|
ETF | 0.10% | 0.11% |
#25
Prev: #25
|
2.0 | 145 | 2.4% |
P
S
|
6,262 | $408,846 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
BRK/B
BERKSHIRE HATHA...
|
Financial Services | 0.00% | 0.14% |
Sold All 😨
(Was: #23) |
0.3 | -954 | -100.0% |
CLOSED
|
— | $— | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
NFLX
NETFLIX INC
|
ETF | 0.00% | 0.09% |
Sold All 😨
(Was: #30) |
0.3 | -224 | -100.0% |
CLOSED
|
— | $— | 2025 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) |
Showing 1-25 of 38 holdings