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      <reportCalendarYear>2026</reportCalendarYear>
      <reportingPerson>
        <name>CLEARWATER INVESTMENT TRUST</name>
        <phoneNumber>651-228-0935</phoneNumber>
        <address>
          <com:street1>2000 Wells Fargo Place</com:street1>
          <com:street2>30 East 7th Street</com:street2>
          <com:city>St. Paul</com:city>
          <com:stateOrCountry>MN</com:stateOrCountry>
          <com:zipCode>55101-4930</com:zipCode>
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          <com:street1>2000 Wells Fargo Place</com:street1>
          <com:street2>30 East 7th Street</com:street2>
          <com:city>St. Paul</com:city>
          <com:stateOrCountry>MN</com:stateOrCountry>
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      <txSignature>Justin H. Weyerhaeuser</txSignature>
      <txPrintedSignature>Justin H. Weyerhaeuser</txPrintedSignature>
      <txTitle>President and Treasurer (Principal Executive Officer)</txTitle>
      <txAsOfDate>08/28/2026</txAsOfDate>
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