# EDGAR Filing Document

**Accession Number:** 0001965522
**File Stem:** 0001965522-26-000003
**Filing Date:** 2026-5
**Character Count:** 11412
**Document Hash:** 3607f28215c6ca613dc00b69e3233065
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001965522-26-000003.hdr.sgml**: 20260515

**ACCESSION NUMBER**: 0001965522-26-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260515

**DATE AS OF CHANGE**: 20260515

**EFFECTIVENESS DATE**: 20260515

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Clifford Group, LLC
- **CENTRAL INDEX KEY:** 0001965522

**ORGANIZATION NAME:**
- **EIN:** 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:** 26986292

**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:** 03-31-2026

**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

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

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

Sarah E. Ludden  Framingham, MA  03-31-2026<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:** 80

**Form 13F Information Table Value Total:** $129835294

      (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 LABORATORIES | COM | 002824100 |  | 409600 | 3989 | SH |  | SOLE | 0 | 0 | 0 | 3989 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2755918 | 9584 | SH |  | SOLE | 0 | 0 | 0 | 9584 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 871768 | 3039 | SH |  | SOLE | 0 | 0 | 0 | 3039 |
| AMAZON COM INC | COM | 023135106 |  | 3065014 | 14717 | SH |  | SOLE | 0 | 0 | 0 | 14717 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 352692 | 1166 | SH |  | SOLE | 0 | 0 | 0 | 1166 |
| ANALOG DEVICES INC | COM | 032654105 |  | 544974 | 1713 | SH |  | SOLE | 0 | 0 | 0 | 1713 |
| AON PLC | SHS CL A | G0403H108 |  | 229284 | 710 | SH |  | SOLE | 0 | 0 | 0 | 710 |
| APPLE INC | COM | 037833100 |  | 2767223 | 10904 | SH |  | SOLE | 0 | 0 | 0 | 10904 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 823489 | 4053 | SH |  | SOLE | 0 | 0 | 0 | 4053 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 562102 | 1173 | SH |  | SOLE | 0 | 0 | 0 | 1173 |
| BLACKROCK INC | COM | 09290D101 |  | 206000 | 214 | SH |  | SOLE | 0 | 0 | 0 | 214 |
| BROADCOM INC | COM | 11135F101 |  | 1268573 | 4099 | SH |  | SOLE | 0 | 0 | 0 | 4099 |
| CENCORA INC | COM | 03073E105 |  | 737554 | 2348 | SH |  | SOLE | 0 | 0 | 0 | 2348 |
| CHUBB LTD SWITZ | COM | H1467J104 |  | 236299 | 725 | SH |  | SOLE | 0 | 0 | 0 | 725 |
| CISCO SYS INC | COM | 17275R102 |  | 683773 | 8813 | SH |  | SOLE | 0 | 0 | 0 | 8813 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 480752 | 482 | SH |  | SOLE | 0 | 0 | 0 | 482 |
| DANAHER CORP DEL | COM | 235851102 |  | 252570 | 1332 | SH |  | SOLE | 0 | 0 | 0 | 1332 |
| DEERE  CO | COM | 244199105 |  | 318828 | 566 | SH |  | SOLE | 0 | 0 | 0 | 566 |
| EATON CORP PLC | SHS | G29183103 |  | 404167 | 1130 | SH |  | SOLE | 0 | 0 | 0 | 1130 |
| ELI LILLY  CO | COM | 532457108 |  | 451607 | 491 | SH |  | SOLE | 0 | 0 | 0 | 491 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 212245 | 1251 | SH |  | SOLE | 0 | 0 | 0 | 1251 |
| FIDELITY NATL INFORMATION SV | COM | 31620M106 |  | 249344 | 5315 | SH |  | SOLE | 0 | 0 | 0 | 5315 |
| GALLAGHER ARTHUR J  CO | COM | 363576109 |  | 432866 | 1999 | SH |  | SOLE | 0 | 0 | 0 | 1999 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 584579 | 691 | SH |  | SOLE | 0 | 0 | 0 | 691 |
| HILTON WORLDWIDE HLDGS INC | COM | 43300A203 |  | 265766 | 874 | SH |  | SOLE | 0 | 0 | 0 | 874 |
| HOME DEPOT INC | COM | 437076102 |  | 587370 | 1786 | SH |  | SOLE | 0 | 0 | 0 | 1786 |
| HOULIHAN LOKEY INC | CL A | 441593100 |  | 499421 | 3477 | SH |  | SOLE | 0 | 0 | 0 | 3477 |
| INSPERITY INC | COM | 45778Q107 |  | 213048 | 7879 | SH |  | SOLE | 0 | 0 | 0 | 7879 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 225100 | 390 | SH |  | SOLE | 0 | 0 | 0 | 390 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 2287636 | 5365 | SH |  | SOLE | 0 | 51 | 0 | 5314 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1695899 | 7937 | SH |  | SOLE | 0 | 0 | 0 | 7937 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 978041 | 42691 | SH |  | SOLE | 0 | 183 | 0 | 42508 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 315032 | 3081 | SH |  | SOLE | 0 | 0 | 0 | 3081 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 3015187 | 28405 | SH |  | SOLE | 0 | 41 | 0 | 28364 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 693546 | 12125 | SH |  | SOLE | 0 | 128 | 0 | 11997 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 6388469 | 85924 | SH |  | SOLE | 0 | 339 | 0 | 85585 |
| ISHARES TR | CORE S ETF | 464287200 |  | 316154 | 484 | SH |  | SOLE | 0 | 0 | 0 | 484 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 239429 | 980 | SH |  | SOLE | 0 | 0 | 0 | 980 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1575664 | 5356 | SH |  | SOLE | 0 | 0 | 0 | 5356 |
| KLA CORP | COM NEW | 482480100 |  | 220862 | 150 | SH |  | SOLE | 0 | 0 | 0 | 150 |
| KLAVIYO INC | COM SER A | 49845K101 |  | 676021 | 34739 | SH |  | SOLE | 0 | 0 | 0 | 34739 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 229257 | 1073 | SH |  | SOLE | 0 | 0 | 0 | 1073 |
| LINDE PLC | SHS | G54950103 |  | 473947 | 956 | SH |  | SOLE | 0 | 0 | 0 | 956 |
| MCKESSON CORP | COM | 58155Q103 |  | 289030 | 334 | SH |  | SOLE | 0 | 0 | 0 | 334 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1486714 | 2599 | SH |  | SOLE | 0 | 0 | 0 | 2599 |
| MICROSOFT CORP | COM | 594918104 |  | 2321321 | 6271 | SH |  | SOLE | 0 | 0 | 0 | 6271 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 920205 | 5592 | SH |  | SOLE | 0 | 0 | 0 | 5592 |
| NATIXIS ETF TRUST II | NATIXIS LOOMIS | 63875W406 |  | 6688264 | 169796 | SH |  | SOLE | 0 | 831 | 0 | 168965 |
| NETFLIX INC. | COM | 64110L106 |  | 240087 | 2497 | SH |  | SOLE | 0 | 0 | 0 | 2497 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 655675 | 7059 | SH |  | SOLE | 0 | 0 | 0 | 7059 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3503522 | 20089 | SH |  | SOLE | 0 | 0 | 0 | 20089 |
| ORACLE CORP | COM | 68389X105 |  | 327026 | 2223 | SH |  | SOLE | 0 | 0 | 0 | 2223 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 217390 | 2355 | SH |  | SOLE | 0 | 0 | 0 | 2355 |
| PEPSICO INC | COM | 713448108 |  | 446706 | 2877 | SH |  | SOLE | 0 | 0 | 0 | 2877 |
| PHILLIPS 66 | COM | 718546104 |  | 678149 | 3722 | SH |  | SOLE | 0 | 0 | 0 | 3722 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 553209 | 3830 | SH |  | SOLE | 0 | 0 | 0 | 3830 |
| PROLOGIS INC. | COM | 74340W103 |  | 512163 | 3875 | SH |  | SOLE | 0 | 0 | 0 | 3875 |
| SALESFORCE INC | COM | 79466L302 |  | 200670 | 1075 | SH |  | SOLE | 0 | 0 | 0 | 1075 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R739 |  | 2228406 | 46590 | SH |  | SOLE | 0 | 71 | 0 | 46519 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A284 |  | 691027 | 27864 | SH |  | SOLE | 0 | 65 | 0 | 27799 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R747 |  | 286293 | 2240 | SH |  | SOLE | 0 | 0 | 0 | 2240 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 252982 | 389 | SH |  | SOLE | 0 | 0 | 0 | 389 |
| TAIWAN SEMICONDUCTOR MANUFAC | SPONSORED ADS | 874039100 |  | 1469834 | 4349 | SH |  | SOLE | 0 | 0 | 0 | 4349 |
| TE CONNECTIVITY PLC | ORD SHS | G87052109 |  | 626372 | 2997 | SH |  | SOLE | 0 | 0 | 0 | 2997 |
| TESLA INC | COM | 88160R101 |  | 378070 | 1017 | SH |  | SOLE | 0 | 0 | 0 | 1017 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 216785 | 441 | SH |  | SOLE | 0 | 0 | 0 | 441 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 211287 | 507 | SH |  | SOLE | 0 | 0 | 0 | 507 |
| UNION PAC CORP | COM | 907818108 |  | 575996 | 2374 | SH |  | SOLE | 0 | 0 | 0 | 2374 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 295565 | 1092 | SH |  | SOLE | 0 | 0 | 0 | 1092 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 4852459 | 23579 | SH |  | SOLE | 0 | 25 | 0 | 23554 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 40163009 | 67213 | SH |  | SOLE | 0 | 367 | 0 | 66846 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 359878 | 1374 | SH |  | SOLE | 0 | 0 | 0 | 1374 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 278797 | 869 | SH |  | SOLE | 0 | 0 | 0 | 869 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 811003 | 9143 | SH |  | SOLE | 0 | 32 | 0 | 9111 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 248008 | 1793 | SH |  | SOLE | 0 | 0 | 0 | 1793 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 10716408 | 29165 | SH |  | SOLE | 0 | 203 | 0 | 28962 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 4605634 | 6601 | SH |  | SOLE | 0 | 41 | 0 | 6560 |
| VISA INC | COM CL A | 92826C839 |  | 568967 | 1883 | SH |  | SOLE | 0 | 0 | 0 | 1883 |
| WALMART INC | COM | 931142103 |  | 825219 | 6640 | SH |  | SOLE | 0 | 0 | 0 | 6640 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 336094 | 3626 | SH |  | SOLE | 0 | 13 | 0 | 3613 |

---