# EDGAR Filing Document

**Accession Number:** 0001965522
**File Stem:** 0001965522-23-000001
**Filing Date:** 2023-2
**Character Count:** 11011
**Document Hash:** 750911d5a5a65440cd74c9d15f6838e0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001965522-23-000001.hdr.sgml**: 20230213

**ACCESSION NUMBER**: 0001965522-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230213

**DATE AS OF CHANGE**: 20230213

**EFFECTIVENESS DATE**: 20230213

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Clifford Group, LLC
- **CENTRAL INDEX KEY:** 0001965522
- **IRS NUMBER:** 852594828
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22914
- **FILM NUMBER:** 23616255

**BUSINESS ADDRESS:**
- **STREET 1:** 321 COMMONWEALTH ROAD
- **STREET 2:** SUITE 103
- **CITY:** WAYLAND
- **STATE:** MA
- **ZIP:** 01778
- **BUSINESS PHONE:** 6176002083

**MAIL ADDRESS:**
- **STREET 1:** 321 COMMONWEALTH ROAD
- **STREET 2:** SUITE 103
- **CITY:** WAYLAND
- **STATE:** MA
- **ZIP:** 01778

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** Clifford Group LLC<br>**Address:** 321 COMMONWEALTH ROAD<br>SUITE 103<br>WAYLAND, MA 01778

**Form 13F File Number:** 028-22914

**CRD Number (if applicable):** 000318897

**SEC File Number (if applicable):** 801-123547

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:** Sarah E Ludden<br>**Title:** Chief Compliance Officer<br>**Phone:** 6176002083

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

Sarah E Ludden  Wayland, MA  02-13-2023<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:** 74

**Form 13F Information Table Value Total:** $80077344

      (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 |  | 510741 | 4652 | SH |  | SOLE | 0 | 0 | 0 | 4652 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 538643 | 2019 | SH |  | SOLE | 0 | 0 | 0 | 2019 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 710516 | 8053 | SH |  | SOLE | 0 | 0 | 0 | 8053 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 232739 | 2623 | SH |  | SOLE | 0 | 0 | 0 | 2623 |
| AMAZON COM INC | COM | 023135106 |  | 648228 | 7717 | SH |  | SOLE | 0 | 0 | 0 | 7717 |
| AMERISOURCEBERGEN CORP | COM | 03073E105 |  | 464462 | 2803 | SH |  | SOLE | 0 | 0 | 0 | 2803 |
| ANALOG DEVICES INC | COM | 032654105 |  | 282952 | 1725 | SH |  | SOLE | 0 | 0 | 0 | 1725 |
| AON PLC | SHS CL A | G0403H108 |  | 230207 | 767 | SH |  | SOLE | 0 | 0 | 0 | 767 |
| APPLE INC | COM | 037833100 |  | 1238342 | 9531 | SH |  | SOLE | 0 | 0 | 0 | 9531 |
| ARCHER DANIELS MIDLAND CO | COM | 039483102 |  | 486607 | 5241 | SH |  | SOLE | 0 | 0 | 0 | 5241 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 965950 | 4044 | SH |  | SOLE | 0 | 0 | 0 | 4044 |
| AVERY DENNISON CORP | COM | 053611109 |  | 418662 | 2313 | SH |  | SOLE | 0 | 0 | 0 | 2313 |
| BILL COM HLDGS INC | COM | 090043100 |  | 471906 | 4331 | SH |  | SOLE | 0 | 0 | 0 | 4331 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 240335 | 526 | SH |  | SOLE | 0 | 0 | 0 | 526 |
| CVS HEALTH CORP | COM | 126650100 |  | 468150 | 5024 | SH |  | SOLE | 0 | 0 | 0 | 5024 |
| DANAHER CORPORATION | COM | 235851102 |  | 368435 | 1388 | SH |  | SOLE | 0 | 0 | 0 | 1388 |
| DEERE  CO | COM | 244199105 |  | 270976 | 632 | SH |  | SOLE | 0 | 0 | 0 | 632 |
| GALLAGHER ARTHUR J  CO | COM | 363576109 |  | 462178 | 2451 | SH |  | SOLE | 0 | 0 | 0 | 2451 |
| GARMIN LTD | SHS | H2906T109 |  | 402281 | 4359 | SH |  | SOLE | 0 | 0 | 0 | 4359 |
| HOME DEPOT INC | COM | 437076102 |  | 614768 | 1946 | SH |  | SOLE | 0 | 0 | 0 | 1946 |
| HONEYWELL INTL INC | COM | 438516106 |  | 332165 | 1550 | SH |  | SOLE | 0 | 0 | 0 | 1550 |
| HOULIHAN LOKEY INC | CL A | 441593100 |  | 390690 | 4482 | SH |  | SOLE | 0 | 0 | 0 | 4482 |
| INSPERITY INC | COM | 45778Q107 |  | 675238 | 5944 | SH |  | SOLE | 0 | 0 | 0 | 5944 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 257124 | 969 | SH |  | SOLE | 0 | 0 | 0 | 969 |
| INVESCO EXCH TRADED FD TR II | S EMRNG MKTS | 46138E297 |  | 2952918 | 128332 | SH |  | SOLE | 0 | 0 | 0 | 128332 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 293115 | 4150 | SH |  | SOLE | 0 | 0 | 0 | 4150 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 1983370 | 87296 | SH |  | SOLE | 0 | 0 | 0 | 87296 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 555800 | 6098 | SH |  | SOLE | 0 | 0 | 0 | 6098 |
| ISHARES TR | U.S. ENERGY ETF | 464287796 |  | 742557 | 15972 | SH |  | SOLE | 0 | 0 | 0 | 15972 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 368725 | 3464 | SH |  | SOLE | 0 | 0 | 0 | 3464 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 3234761 | 30655 | SH |  | SOLE | 0 | 0 | 0 | 30655 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 297570 | 3069 | SH |  | SOLE | 0 | 0 | 0 | 3069 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 1302038 | 18059 | SH |  | SOLE | 0 | 0 | 0 | 18059 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 237018 | 5287 | SH |  | SOLE | 0 | 0 | 0 | 5287 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 419785 | 11577 | SH |  | SOLE | 0 | 0 | 0 | 11577 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 3849375 | 83901 | SH |  | SOLE | 0 | 0 | 0 | 83901 |
| ISHARES TR | FALN ANGLS USD | 46435G474 |  | 544598 | 22129 | SH |  | SOLE | 0 | 0 | 0 | 22129 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 10171004 | 120012 | SH |  | SOLE | 0 | 0 | 0 | 120012 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1785048 | 8332 | SH |  | SOLE | 0 | 0 | 0 | 8332 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1601272 | 10559 | SH |  | SOLE | 0 | 0 | 0 | 10559 |
| ISHARES U S ETF TR | BLOOMBERG ROLL | 46431W598 |  | 484134 | 8882 | SH |  | SOLE | 0 | 0 | 0 | 8882 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 345174 | 1954 | SH |  | SOLE | 0 | 0 | 0 | 1954 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 800285 | 5968 | SH |  | SOLE | 0 | 0 | 0 | 5968 |
| META PLATFORMS INC | CL A | 30303M102 |  | 245494 | 2040 | SH |  | SOLE | 0 | 0 | 0 | 2040 |
| MICROSOFT CORP | COM | 594918104 |  | 1293350 | 5393 | SH |  | SOLE | 0 | 0 | 0 | 5393 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 518804 | 6102 | SH |  | SOLE | 0 | 0 | 0 | 6102 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 501901 | 6004 | SH |  | SOLE | 0 | 0 | 0 | 6004 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 301779 | 2065 | SH |  | SOLE | 0 | 0 | 0 | 2065 |
| PAYCHEX INC | COM | 704326107 |  | 422665 | 3658 | SH |  | SOLE | 0 | 0 | 0 | 3658 |
| PHILLIPS 66 | COM | 718546104 |  | 358043 | 3440 | SH |  | SOLE | 0 | 0 | 0 | 3440 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 481207 | 3047 | SH |  | SOLE | 0 | 0 | 0 | 3047 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 559868 | 3694 | SH |  | SOLE | 0 | 0 | 0 | 3694 |
| PROLOGIS INC. | COM | 74340W103 |  | 430916 | 3823 | SH |  | SOLE | 0 | 0 | 0 | 3823 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 3361404 | 44498 | SH |  | SOLE | 0 | 0 | 0 | 44498 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 695960 | 5123 | SH |  | SOLE | 0 | 0 | 0 | 5123 |
| SPDR SER TR | BLOOMBERG SHT TE | 78468R408 |  | 542056 | 22362 | SH |  | SOLE | 0 | 0 | 0 | 22362 |
| SPDR SER TR | NUVEEN BLMBRG SH | 78468R739 |  | 1918694 | 40841 | SH |  | SOLE | 0 | 0 | 0 | 40841 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 306745 | 4118 | SH |  | SOLE | 0 | 0 | 0 | 4118 |
| TARGET CORP | COM | 87612E106 |  | 524851 | 3522 | SH |  | SOLE | 0 | 0 | 0 | 3522 |
| TE CONNECTIVITY LTD | SHS | H84989104 |  | 350283 | 3051 | SH |  | SOLE | 0 | 0 | 0 | 3051 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 302351 | 549 | SH |  | SOLE | 0 | 0 | 0 | 549 |
| UNION PAC CORP | COM | 907818108 |  | 625253 | 3020 | SH |  | SOLE | 0 | 0 | 0 | 3020 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 412320 | 2372 | SH |  | SOLE | 0 | 0 | 0 | 2372 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 655384 | 1236 | SH |  | SOLE | 0 | 0 | 0 | 1236 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 247779 | 1350 | SH |  | SOLE | 0 | 0 | 0 | 1350 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 14338316 | 40810 | SH |  | SOLE | 0 | 0 | 0 | 40810 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 533256 | 4014 | SH |  | SOLE | 0 | 0 | 0 | 4014 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 1706715 | 20692 | SH |  | SOLE | 0 | 0 | 0 | 20692 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 931589 | 23899 | SH |  | SOLE | 0 | 0 | 0 | 23899 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 205440 | 3513 | SH |  | SOLE | 0 | 0 | 0 | 3513 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 1204778 | 26467 | SH |  | SOLE | 0 | 0 | 0 | 26467 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1077784 | 25680 | SH |  | SOLE | 0 | 0 | 0 | 25680 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 951842 | 2980 | SH |  | SOLE | 0 | 0 | 0 | 2980 |
| VISA INC | COM CL A | 92826C839 |  | 419675 | 2020 | SH |  | SOLE | 0 | 0 | 0 | 2020 |

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