Instuitional Investor - Clifford Group, Llc

13F Holdings

Filing Period:

No.	Security	Shares	Value	% Port
1.	Vanguard Index Fds - S&P 500 ETF SHS	59,676	$30,667,882	28.65%
2.	Vanguard Index Fds - EXTEND MKT ETF	50,009	$8,614,635	8.05%
3.	Vanguard World Fd	27,067	$8,360,463	7.81%
4.	Ishares Tr - EAFE VALUE ETF	86,927	$5,123,476	4.79%
5.	Ishares Tr - NATIONAL MUN ETF	42,588	$4,490,475	4.19%