# EDGAR Filing Document

**Accession Number:** 0001635523
**File Stem:** 0001635523-26-000001
**Filing Date:** 2026-2
**Character Count:** 8762
**Document Hash:** c7f53a6c991044b7de98bc125c21cbf1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001635523-26-000001.hdr.sgml**: 20260209

**ACCESSION NUMBER**: 0001635523-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260209

**DATE AS OF CHANGE**: 20260209

**EFFECTIVENESS DATE**: 20260209

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CLEAR INVESTMENT RESEARCH, LLC
- **CENTRAL INDEX KEY:** 0001635523

**ORGANIZATION NAME:**
- **EIN:** 463868027
- **STATE OF INCORPORATION:** GA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-16875
- **FILM NUMBER:** 26610995

**BUSINESS ADDRESS:**
- **STREET 1:** 284 SOUTH MAIN STREET
- **STREET 2:** SUITE 900
- **CITY:** ALPHARETTA
- **STATE:** GA
- **ZIP:** 30009
- **BUSINESS PHONE:** 678-293-8667

**MAIL ADDRESS:**
- **STREET 1:** 284 SOUTH MAIN STREET
- **STREET 2:** SUITE 900
- **CITY:** ALPHARETTA
- **STATE:** GA
- **ZIP:** 30009

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** CLEAR INVESTMENT RESEARCH LLC<br>**Address:** 284 SOUTH MAIN STREET<br>SUITE 900<br>ALPHARETTA, GA 30009

**Form 13F File Number:** 028-16875

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:** Travis Jennings<br>**Title:** Accountant<br>**Phone:** 6782938688

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

Travis Jennings  Alpharetta, GA  02-09-2026<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:** 52

**Form 13F Information Table Value Total:** $60274394

      (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 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 4467690 | 97039 | SH |  | SOLE |  | 97039 | 0 | 0 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 1276680 | 52387 | SH |  | SOLE |  | 52387 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 487510 | 5509 | SH |  | SOLE |  | 5509 | 0 | 0 |
| VANECK ETF TRUST | FALLEN ANGEL HG | 92189F437 |  | 1818322 | 61921 | SH |  | SOLE |  | 61921 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 962754 | 11046 | SH |  | SOLE |  | 11046 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 604029 | 25126 | SH |  | SOLE |  | 25126 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 3031734 | 112662 | SH |  | SOLE |  | 112662 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 871411 | 26714 | SH |  | SOLE |  | 26714 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 1199833 | 39901 | SH |  | SOLE |  | 39901 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 961835 | 36309 | SH |  | SOLE |  | 36309 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 363840 | 9547 | SH |  | SOLE |  | 9547 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1065338 | 11909 | SH |  | SOLE |  | 11909 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 8073797 | 11788 | SH |  | SOLE |  | 11788 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1832103 | 27759 | SH |  | SOLE |  | 27759 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1211237 | 10079 | SH |  | SOLE |  | 10079 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 550880 | 8195 | SH |  | SOLE |  | 8195 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 508525 | 4126 | SH |  | SOLE |  | 4126 | 0 | 0 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 505171 | 2382 | SH |  | SOLE |  | 2382 | 0 | 0 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 360831 | 5198 | SH |  | SOLE |  | 5198 | 0 | 0 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 261335 | 3088 | SH |  | SOLE |  | 3088 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 377865 | 1902 | SH |  | SOLE |  | 1902 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 229652 | 2089 | SH |  | SOLE |  | 2089 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 776364 | 2480 | SH |  | SOLE |  | 2480 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 705386 | 3056 | SH |  | SOLE |  | 3056 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 1685587 | 6200 | SH |  | SOLE |  | 6200 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 932448 | 16954 | SH |  | SOLE |  | 16954 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 483549 | 962 | SH |  | SOLE |  | 962 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 234281 | 677 | SH |  | SOLE |  | 677 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 286182 | 4094 | SH |  | SOLE |  | 4094 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 2926536 | 2723 | SH |  | SOLE |  | 2723 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 1481893 | 3064 | SH |  | SOLE |  | 3064 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1122962 | 6021 | SH |  | SOLE |  | 6021 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 260878 | 2342 | SH |  | SOLE |  | 2342 | 0 | 0 |
| FIDELITY COVINGTON TRUST | BLUE CHIP GRWTH | 316092352 |  | 1394217 | 25423 | SH |  | SOLE |  | 25423 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 357633 | 2012 | SH |  | SOLE |  | 2012 | 0 | 0 |
| PROSHARES TR | ULTRAPRO QQQ | 74347X831 |  | 328379 | 6229 | SH |  | SOLE |  | 6229 | 0 | 0 |
| VANGUARD WORLD FD | EXTENDED DUR | 921910709 |  | 5433539 | 83580 | SH |  | SOLE |  | 83580 | 0 | 0 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 520209 | 5081 | SH |  | SOLE |  | 5081 | 0 | 0 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 533449 | 6572 | SH |  | SOLE |  | 6572 | 0 | 0 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 531207 | 8246 | SH |  | SOLE |  | 8246 | 0 | 0 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 348234 | 4319 | SH |  | SOLE |  | 4319 | 0 | 0 |
| RYDER SYS INC | COM | 783549108 |  | 401345 | 2097 | SH |  | SOLE |  | 2097 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 604310 | 20409 | SH |  | SOLE |  | 20409 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 649145 | 22793 | SH |  | SOLE |  | 22793 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 350157 | 570 | SH |  | SOLE |  | 570 | 0 | 0 |
| GRAPHIC PACKAGING HLDG CO | COM | 388689101 |  | 2814190 | 186865 | SH |  | SOLE |  | 186865 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A847 |  | 1346982 | 23260 | SH |  | SOLE |  | 23260 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1413287 | 22623 | SH |  | SOLE |  | 22623 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 317093 | 465 | SH |  | SOLE |  | 465 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S QUALITY | 46137V241 |  | 361137 | 4812 | SH |  | SOLE |  | 4812 | 0 | 0 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 651443 | 12430 | SH |  | SOLE |  | 12430 | 0 | 0 |

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