9AT: DIVERGENT PLANNING

Adviser	Hedge Fund	Liquidity Fund	Private Equity Fund	Real Estate Fund	Securitized Asset Fund	Venture Capital Fund	Other Fund	Total Private Fund GAV	AUM	#Funds
Adviser WELCH & FORBES LLC	Hedge Fund-	Liquidity Fund-	Private Equity Fund6.9k	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV6.9k	AUM9.9b	#Funds2
Adviser WILLOW CREEK FINANCIAL	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM528.8m	#Funds-
Adviser LINSCOMB WEALTH, INC.	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM5.2b	#Funds-
Adviser DOUGLAS C. LANE & ASSOCIATES	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM8.4b	#Funds-
Adviser BEACON TRUST	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM4.4b	#Funds-
Adviser ECHO WEALTH MANAGEMENT, LLC	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM288.2m	#Funds-
Adviser WOODSTOCK CORPORATION	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM1.3b	#Funds-
Adviser BETTERWEALTH LLC	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM659.9m	#Funds-
Adviser ROBERT A. ZOCK & CO.,INC.	Hedge Fund-	Liquidity Fund-	Private Equity Fund-	Real Estate Fund-	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV-	AUM175.1m	#Funds-
Adviser LEE FINANCIAL COMPANY, LLC	Hedge Fund13.1m	Liquidity Fund-	Private Equity Fund239.4k	Real Estate Fund213.2k	Securitized Asset Fund-	Venture Capital Fund-	Other Fund-	Total Private Fund GAV13.5m	AUM1.7b	#Funds4

Stock Ticker	Stock Name	$ Position	% Position	$ Change	# Change
Stck Ticker464287200	Stock NameISHARES TR	$ Position$102,130,408	% Position26.00%	$ Change15.00%	# Change4.00%
Stck Ticker025072802	Stock NameAMERICAN CENTY ETF TR	$ Position$50,239,259	% Position13.00%	$ Change19.00%	# Change0.00%
Stck Ticker78467Y107	Stock NameSPDR S&P MIDCAP 400 ETF TR	$ Position$46,607,786	% Position12.00%	$ Change16.00%	# Change9.00%
Stck Ticker47103U852	Stock NameJANUS DETROIT STR TR	$ Position$41,845,471	% Position11.00%	$ Change15.00%	# Change13.00%
Stck Ticker025072885	Stock NameAMERICAN CENTY ETF TR	$ Position$27,264,197	% Position7.00%	$ Change17.00%	# Change5.00%
Stck Ticker25434V500	Stock NameDIMENSIONAL ETF TRUST	$ Position$25,412,268	% Position6.00%	$ Change4.00%	# Change2.00%
Stck Ticker47103U845	Stock NameJANUS DETROIT STR TR	$ Position$21,122,054	% Position5.00%	$ Change9.00%	# Change9.00%
Stck Ticker922907746	Stock NameVANGUARD MUN BD FDS	$ Position$14,717,663	% Position4.00%	$ Change9.00%	# Change6.00%
Stck Ticker25434V872	Stock NameDIMENSIONAL ETF TRUST	$ Position$13,375,678	% Position3.00%	$ Change-8.00%	# Change-8.00%
Stck Ticker74933W452	Stock NameRBB FD INC	$ Position$11,346,211	% Position3.00%	$ Change65.00%	# Change65.00%

Brochure Summary

Overview

Our firm is dedicated to providing individuals and other types of clients with a wide array of investment advisory services. Our firm is a limited liability company formed under the laws of the State of Maryland in 2010 and has been in business as an investment adviser since 2017. Our firm is owned by Matthew Brock and Ara Abrahamian. Our firm provides asset management and investment consulting services for many different types of clients to help meet their financial goals while remaining sensitive to risk tolerance and time horizons. As a fiduciary it is our duty to always act in the client’s best interest. This is accomplished in part by knowing the client. Our firm has established a service-oriented advisory practice with open lines of communication. Working with clients to understand their investment objectives while educating them about our process, facilitates the kind of working relationship we value. All material conflicts of interest are disclosed below regarding our firm, our representatives or our employees, which could be reasonably expected to impair the rendering of unbiased and objective advice. We disclose that lower fees for comparable services may be available from other sources. Types of Advisory Services Offered Portfolio Management: As part of our Portfolio Management services, Clients may be provided with standalone asset management or a combination of asset management and financial planning or consulting services. This service is designed to assist clients in meeting their financial goals through the use of a financial plan or consultation. Our firm conducts client meetings to understand their current financial situation, existing resources, financial goals, and tolerance for risk. Based on what is learned, an investment approach is presented to the client, consisting of individual stocks, bonds, exchange traded funds (“ETFs”), options, mutual funds and other public and private securities or investments. Once the appropriate portfolio has been determined, portfolios are continuously and regularly monitored,

and if necessary, rebalanced based upon the client’s individual needs, stated goals, risk tolerance, time horizon and objectives. Upon client request, our firm provides a summary of observations and recommendations for the planning or consulting aspects of this service. Financial Planning & Consulting: Our firm provides a variety of standalone financial planning and consulting services to clients for the management of financial resources based upon an analysis of current situation, goals, and objectives. Financial planning and consulting services will typically involve rendering a financial consultation for clients based on the client’s financial goals and objectives. Consultation topics include, but are not limited to, Investments, Retirement, Estate, Philanthropy, Education, Cost Segregation Study, Corporate Structure, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation, or Business and Personal Finances. Consultations typically include general recommendations for a course of activity or specific actions to be taken by the client. Our firm provides clients with a summary of their financial situation and observations made as part of their consultation. Assuming that all the information and documents requested from the client are provided promptly, consultations are typically completed within 6 months of the client signing a contract with our firm. ADV Part 2A – Firm Brochure Page 5 Divergent Planning Tailoring of Advisory Services Our firm offers individualized investment advice to our clients. Each client has the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. Restrictions on investments in certain securities or types of securities may not be possible due to the level of difficulty this would entail in managing the account. Participation in Wrap Fee Programs Our firm does not offer or sponsor a wrap fee program. Regulatory Assets Under Management As of December 31st, 2022, our firm manages $197,844,032 on a discretionary basis.

As of Date	04/25/2026
Registration status	Terminated
ADV Location	BETHESDA, MD, United States
Contact Info	(24 xxxxxxx
Websites

AUM^*	423,054,443 64%
of that, discretionary	423,054,443 64%
Number of Employees	8 -11%
of those in investment advisory functions	4
Private Fund GAV^*	0
Avg Account Size	440,682 43%
% High Net Worth	74.63% 5%
SMA’s	Yes
Private Funds	0

DIVERGENT PLANNING

DIVERGENT PLANNING

DIVERGENT PLANNING, LLC

Adviser Profile

Details

Adviser Type

Client Types

Advisory Activities

Compensation Arrangments

Reported AUM

Private Funds

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Brochure Summary

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DIVERGENT PLANNING DIVERGENT PLANNING DIVERGENT PLANNING, LLC

Adviser Profile

Details

Adviser Type

Client Types

Advisory Activities

Compensation Arrangments

Reported AUM

Private Funds

Employees

Similar advisers

Top Holdings

Brochure Summary

Overview

DIVERGENT PLANNING

DIVERGENT PLANNING

DIVERGENT PLANNING, LLC