# EDGAR Filing Document

**Accession Number:** 0001730787
**File Stem:** 0001085146-25-004304
**Filing Date:** 2025-7
**Character Count:** 7673
**Document Hash:** 3fb6b091ed24e63ba0aa97a575a4d2e9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-25-004304.hdr.sgml**: 20250730

**ACCESSION NUMBER**: 0001085146-25-004304

**CONFORMED SUBMISSION TYPE**: 13F-HR/A

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250730

**DATE AS OF CHANGE**: 20250730

**EFFECTIVENESS DATE**: 20250730

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Divergent Planning, LLC
- **CENTRAL INDEX KEY:** 0001730787

**ORGANIZATION NAME:**
- **EIN:** 272691017
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20641
- **FILM NUMBER:** 251165093

**BUSINESS ADDRESS:**
- **STREET 1:** 6701 DEMOCRACY BLVD.
- **STREET 2:** SUITE 300
- **CITY:** BETHESDA
- **STATE:** MD
- **ZIP:** 20817
- **BUSINESS PHONE:** 301.466.4833

**MAIL ADDRESS:**
- **STREET 1:** 6701 DEMOCRACY BLVD.
- **STREET 2:** SUITE 300
- **CITY:** BETHESDA
- **STATE:** MD
- **ZIP:** 20817

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**Check here if Amendment** [x] **Amendment Number:** 1

**This Amendment (Check only one.):** [x] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Divergent Planning LLC<br>**Address:** 6701 DEMOCRACY BLVD.<br>SUITE 300<br>BETHESDA, MD 20817

**Form 13F File Number:** 028-20641

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Matthew Brock<br>**Title:** Chief Compliance Officer<br>**Phone:** 240-428-8911

**Signature, Place, and Date of Signing:**

/s/Matthew Brock  Bethesda, MD  07-30-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 35

**Form 13F Information Table Value Total:** $338403533

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 | BBG001SCXK90 | 294147 | 972 | SH |  | SOLE |  | 0 | 0 | 972 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 217069 | 1227 | SH |  | SOLE |  | 0 | 0 | 1227 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 588628 | 2670 | SH |  | SOLE |  | 0 | 0 | 2670 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 | BBG00Q9MQ6T1 | 6419841 | 86825 | SH |  | SOLE |  | 0 | 0 | 86825 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 | BBG00Q9MR7Z1 | 42179110 | 531625 | SH |  | SOLE |  | 0 | 0 | 531625 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 | BBG00Q9MPQH1 | 23307651 | 230313 | SH |  | SOLE |  | 0 | 0 | 230313 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 1907788 | 9180 | SH |  | SOLE |  | 0 | 0 | 9180 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 467088 | 954 | SH |  | SOLE |  | 0 | 0 | 954 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 | BBG01254CL28 | 14499829 | 343110 | SH |  | SOLE |  | 0 | 0 | 343110 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 | BBG011DXXVM0 | 22097982 | 341545 | SH |  | SOLE |  | 0 | 0 | 341545 |
| FS CREDIT OPPORTUNITIES CORP | COMMON STOCK | 30290Y101 | BBG01BG24837 | 80519 | 11030 | SH |  | SOLE |  | 0 | 0 | 11030 |
| HEALTH CATALYST INC | COM | 42225T107 | BBG00LDPZMT5 | 44542 | 10998 | SH |  | SOLE |  | 0 | 0 | 10998 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 | BBG001V18CG8 | 345138 | 4706 | SH |  | SOLE |  | 0 | 0 | 4706 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 497761 | 910 | SH |  | SOLE |  | 0 | 0 | 910 |
| ISHARES TR | CORE 60/40 BALAN | 464289867 | BBG001T3YV58 | 376440 | 6117 | SH |  | SOLE |  | 0 | 0 | 6117 |
| ISHARES TR | CORE 80/20 AGGRE | 464289859 | BBG001T3YVL0 | 411465 | 4937 | SH |  | SOLE |  | 0 | 0 | 4937 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 89039728 | 143457 | SH |  | SOLE |  | 0 | 0 | 143457 |
| JANUS DETROIT STR TR | HENDERSON MTG | 47103U852 | BBG00LYBQSH3 | 36443374 | 812743 | SH |  | SOLE |  | 0 | 0 | 812743 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 | BBG00XX898D2 | 19346786 | 382574 | SH |  | SOLE |  | 0 | 0 | 382574 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 470133 | 1009 | SH |  | SOLE |  | 0 | 0 | 1009 |
| MARRIOTT INTL INC NEW | CL A | 571903202 | BBG001S78K44 | 887321 | 3191 | SH |  | SOLE |  | 0 | 0 | 3191 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 888456 | 1806 | SH |  | SOLE |  | 0 | 0 | 1806 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 289766 | 224 | SH |  | SOLE |  | 0 | 0 | 224 |
| RBB FD INC | US TREAS 3 MNTH | 74933W452 | BBG01922X1R4 | 6867575 | 137848 | SH |  | SOLE |  | 0 | 0 | 137848 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 | BBG001T6L7C0 | 5556875 | 130904 | SH |  | SOLE |  | 0 | 0 | 130904 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 238351 | 775 | SH |  | SOLE |  | 0 | 0 | 775 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 | BBG001S63NQ1 | 40295870 | 70243 | SH |  | SOLE |  | 0 | 0 | 70243 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 374082 | 862 | SH |  | SOLE |  | 0 | 0 | 862 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 675995 | 2402 | SH |  | SOLE |  | 0 | 0 | 2402 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 266284 | 469 | SH |  | SOLE |  | 0 | 0 | 469 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 301306 | 991 | SH |  | SOLE |  | 0 | 0 | 991 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 | BBG001T2YZG9 | 925416 | 7200 | SH |  | SOLE |  | 0 | 0 | 7200 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 13539271 | 276707 | SH |  | SOLE |  | 0 | 0 | 276707 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | BBG001T62M38 | 7691772 | 93132 | SH |  | SOLE |  | 0 | 0 | 93132 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 570174 | 1604 | SH |  | SOLE |  | 0 | 0 | 1604 |

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