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Divergent Planning, LLC
Divergent Planning, LLC is an independent, fee-only Registered Investment Advisor headquartered in Bethesda, MD. Founded in 2010 and registered as an RIA since 2017, the firm serves over 200 clients—primarily individuals and high-net-worth individuals—providing financial planning and investment management services. The firm is owned by Matthew Brock and Ara Abrahamian and employs around 8–10 professionals. Divergent Planning focuses on transparency, fiduciary duty, and a commitment to always act in clients' best interests. They serve clients both locally and remotely, leveraging technology to offer highly personalized service.
Investment Strategy
Divergent Planning employs risk-managed, goals-based asset allocation strategies tailored to individual client goals and circumstances. The firm emphasizes capital preservation, comprehensive portfolio management, and financial planning. They act as a fiduciary, avoid commissions, charge only transparent fees based on AUM or flat annual fees for planning, and do not use performance-based fee structures. Clients may place reasonable restrictions on investments. Their investment analysis incorporates various methods and they occasionally exercise investment discretion with client consent, prioritizing customization aligned with long-term objectives.
Latest 13F Filing Activity
Divergent Planning, LLC filed their most recent 13F report on Sep 30, 2025 disclosing 35 equity positions with a total 13F market value of $338M. The fund increased holdings in American Centy Etf TR, SPDR S&P Midcap 400 Etf TR, Janus Detroit STR TR among other positions. Divergent Planning, LLC reduced exposure to J P Morgan Exchange Traded F, Ishares TR, Ishares TR among others.
Top Holdings
Equity Positions (35)
| Ticker | Security | Weight | Market Value | Shares | Avg Cost | Price | Change (QoQ) |
|---|---|---|---|---|---|---|---|
I IVV | ISHARES TR | 26.31% | $89.0M | 143,457 | $404.77 | $669.30 | $0 |
A AVDV | AMERICAN CENTY ETF TR | 12.46% | $42.2M | 531,625 | $56.76 | $89.03 | $0 |
M MDY | SPDR S&P MIDCAP 400 ETF TR | 11.91% | $40.3M | 70,243 | $477.45 | $596.03 | $0 |
J JMBS | JANUS DETROIT STR TR | 10.77% | $36.4M | 812,743 | $48.58 | $45.67 | $0 |
A AVUS | AMERICAN CENTY ETF TR | 6.89% | $23.3M | 230,313 | $70.42 | $108.70 | $0 |
Industry Allocation
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