# EDGAR Filing Document

**Accession Number:** 0001730787
**File Stem:** 0001085146-25-003625
**Filing Date:** 2025-7
**Character Count:** 13018
**Document Hash:** 3f5c92261bcf669f6a32804bdf618402
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-25-003625.hdr.sgml**: 20250709

**ACCESSION NUMBER**: 0001085146-25-003625

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250709

**DATE AS OF CHANGE**: 20250709

**EFFECTIVENESS DATE**: 20250709

**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
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20641
- **FILM NUMBER:** 251113485

**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** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] 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  07-09-2025<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:** 85

**Form 13F Information Table Value Total:** $263510923

      (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 |
| ABBOTT LABS | COM | 002824100 | BBG001S5N9M6 | 4033056 | 29653 | SH |  | SOLE |  | 29652 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 743594 | 4006 | SH |  | SOLE |  | 4006 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 6906359 | 39189 | SH |  | SOLE |  | 39189 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 5841039 | 26624 | SH |  | SOLE |  | 26624 | 0 | 0 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 | BBG001S5NPQ6 | 628360 | 2843 | SH |  | SOLE |  | 2843 | 0 | 0 |
| AMGEN INC | COM | 031162100 | BBG001S5NNL6 | 3470580 | 12430 | SH |  | SOLE |  | 12430 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 5814173 | 28338 | SH |  | SOLE |  | 28338 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 | BBG001S902J2 | 1457600 | 2 | SH |  | SOLE |  | 2 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 1904218 | 3920 | SH |  | SOLE |  | 3920 | 0 | 0 |
| BLACKSTONE INC | COM | 09260D107 | BBG001S7H949 | 3208083 | 21447 | SH |  | SOLE |  | 21447 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 8903771 | 32301 | SH |  | SOLE |  | 32301 | 0 | 0 |
| CAPITAL GROUP CORE BALANCED | SHS | 14021D107 | BBG01J9W1K83 | 2233190 | 66782 | SH |  | SOLE |  | 66782 | 0 | 0 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 | BBG015H8BXT5 | 2298989 | 58217 | SH |  | SOLE |  | 58217 | 0 | 0 |
| CAPITAL GROUP INTERNATIONAL | SHS | 14021M107 | BBG01J9W3D87 | 3211346 | 97550 | SH |  | SOLE |  | 97550 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 4768513 | 33302 | SH |  | SOLE |  | 33302 | 0 | 0 |
| CHUBB LIMITED | COM | H1467J104 | BBG001S8S1L3 | 360122 | 1243 | SH |  | SOLE |  | 1243 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 1576244 | 22719 | SH |  | SOLE |  | 22719 | 0 | 0 |
| COLGATE PALMOLIVE CO | COM | 194162103 | BBG001S5PVM5 | 2052977 | 22585 | SH |  | SOLE |  | 22585 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 6361081 | 6426 | SH |  | SOLE |  | 6425 | 0 | 0 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 | BBG00BLYKRZ7 | 292853 | 575 | SH |  | SOLE |  | 575 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 | BBG001S5QGT0 | 450589 | 2281 | SH |  | SOLE |  | 2281 | 0 | 0 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 | BBG01254CL28 | 596204 | 14108 | SH |  | SOLE |  | 14108 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 | BBG01J6LTBL5 | 280235 | 4192 | SH |  | SOLE |  | 4192 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 | BBG011DXXVM0 | 2356549 | 36989 | SH |  | SOLE |  | 36988 | 0 | 0 |
| EATON CORP PLC | SHS | G29183103 | BBG001S5QZ45 | 7713840 | 21608 | SH |  | SOLE |  | 21608 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 1548147 | 1986 | SH |  | SOLE |  | 1986 | 0 | 0 |
| ENTERGY CORP NEW | COM | 29364G103 | BBG001S67KF5 | 519378 | 6249 | SH |  | SOLE |  | 6248 | 0 | 0 |
| EOG RES INC | COM | 26875P101 | BBG001S5ZB93 | 576161 | 4817 | SH |  | SOLE |  | 4817 | 0 | 0 |
| EQUINIX INC | COM | 29444U700 | BBG001SKBNS9 | 1315707 | 1654 | SH |  | SOLE |  | 1654 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 497374 | 4614 | SH |  | SOLE |  | 4613 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | FST LOW OPPT EFT | 33739Q200 | BBG007GFNV45 | 811559 | 16475 | SH |  | SOLE |  | 16475 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | FT VEST S 500 | 33739Q705 | BBG00KDSF556 | 262145 | 5339 | SH |  | SOLE |  | 5339 | 0 | 0 |
| GENUINE PARTS CO | COM | 372460105 | BBG001S5RNH7 | 291023 | 2399 | SH |  | SOLE |  | 2399 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 4283282 | 11683 | SH |  | SOLE |  | 11682 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 | BBG001S5X1N1 | 1192113 | 5119 | SH |  | SOLE |  | 5119 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 9382921 | 17009 | SH |  | SOLE |  | 17009 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 | BBG001SKXPR1 | 11754109 | 141855 | SH |  | SOLE |  | 141855 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 1819529 | 21796 | SH |  | SOLE |  | 21795 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 9075648 | 146334 | SH |  | SOLE |  | 146334 | 0 | 0 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | BBG0025X2G81 | 789165 | 8407 | SH |  | SOLE |  | 8407 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 10702972 | 58544 | SH |  | SOLE |  | 58543 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 288260 | 2759 | SH |  | SOLE |  | 2759 | 0 | 0 |
| ISHARES TR | SHORT TREAS BD | 464288679 | BBG001SSD803 | 244912 | 2218 | SH |  | SOLE |  | 2218 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 | BBG00TSG0SK6 | 8456529 | 148752 | SH |  | SOLE |  | 148751 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 | BBG00M8D48L9 | 826357 | 16647 | SH |  | SOLE |  | 16647 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 | BBG00GP26NW0 | 28059554 | 553661 | SH |  | SOLE |  | 553661 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 | BBG00M8D2458 | 4491297 | 88203 | SH |  | SOLE |  | 88203 | 0 | 0 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 | BBG00XX898D2 | 2280451 | 44935 | SH |  | SOLE |  | 44935 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 547573 | 3585 | SH |  | SOLE |  | 3584 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 5829242 | 20107 | SH |  | SOLE |  | 20107 | 0 | 0 |
| KENVUE INC | COM | 49177J102 | BBG01C79X614 | 1956892 | 93497 | SH |  | SOLE |  | 93497 | 0 | 0 |
| LINDE PLC | SHS | G54950103 | BBG01FND0CH6 | 4726050 | 10073 | SH |  | SOLE |  | 10073 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 223552 | 483 | SH |  | SOLE |  | 482 | 0 | 0 |
| MCKESSON CORP | COM | 58155Q103 | BBG001S8F8P8 | 295310 | 403 | SH |  | SOLE |  | 403 | 0 | 0 |
| MEDTRONIC PLC | SHS | G5960L103 | BBG001S5T2S9 | 1077421 | 12360 | SH |  | SOLE |  | 12360 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 429568 | 582 | SH |  | SOLE |  | 582 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 10271801 | 20651 | SH |  | SOLE |  | 20650 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 337461 | 252 | SH |  | SOLE |  | 252 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 | BBG001S5RB29 | 4932638 | 71055 | SH |  | SOLE |  | 71055 | 0 | 0 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 | BBG001SF5LW6 | 694476 | 5739 | SH |  | SOLE |  | 5739 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 3440343 | 21776 | SH |  | SOLE |  | 21775 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 2004618 | 9169 | SH |  | SOLE |  | 9169 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 | BBG001T53796 | 1216656 | 8925 | SH |  | SOLE |  | 8925 | 0 | 0 |
| PALO ALTO NETWORKS INC | COM | 697435105 | BBG001T9NWN5 | 776609 | 3795 | SH |  | SOLE |  | 3795 | 0 | 0 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 2610695 | 19772 | SH |  | SOLE |  | 19772 | 0 | 0 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 | BBG001T618D9 | 462822 | 4604 | SH |  | SOLE |  | 4603 | 0 | 0 |
| PPG INDS INC | COM | 693506107 | BBG001S5VC13 | 680225 | 5980 | SH |  | SOLE |  | 5980 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 485641 | 3048 | SH |  | SOLE |  | 3048 | 0 | 0 |
| PROLOGIS INC. | COM | 74340W103 | BBG001S5NMN6 | 1818681 | 17301 | SH |  | SOLE |  | 17301 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 4960737 | 33973 | SH |  | SOLE |  | 33973 | 0 | 0 |
| S GLOBAL INC | COM | 78409V104 | BBG001S5T5M8 | 303192 | 575 | SH |  | SOLE |  | 575 | 0 | 0 |
| SELECT SECTOR SPDR TR | RL EST SEL SEC | 81369Y860 | BBG00B597137 | 4249790 | 102602 | SH |  | SOLE |  | 102602 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 | BBG001S7SCQ6 | 258075 | 1915 | SH |  | SOLE |  | 1914 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 | BBG001S7TCZ5 | 365495 | 1443 | SH |  | SOLE |  | 1443 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 453282 | 1487 | SH |  | SOLE |  | 1487 | 0 | 0 |
| UBER TECHNOLOGIES INC | COM | 90353T100 | BBG002B04MW4 | 519868 | 5572 | SH |  | SOLE |  | 5572 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 968212 | 3460 | SH |  | SOLE |  | 3460 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 | BBG001T62M92 | 9709206 | 162334 | SH |  | SOLE |  | 162334 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 5246041 | 25632 | SH |  | SOLE |  | 25631 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 3359874 | 25203 | SH |  | SOLE |  | 25203 | 0 | 0 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 | BBG00C863MQ1 | 2054148 | 22793 | SH |  | SOLE |  | 22793 | 0 | 0 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 | BBG00C868SD7 | 364020 | 4544 | SH |  | SOLE |  | 4544 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 7347049 | 20693 | SH |  | SOLE |  | 20692 | 0 | 0 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 416152 | 4256 | SH |  | SOLE |  | 4256 | 0 | 0 |
| WILLIAMS COS INC | COM | 969457100 | BBG001S5XH10 | 1185350 | 18872 | SH |  | SOLE |  | 18872 | 0 | 0 |

---