CLIENT 1ST ADVISORY GROUP LLC

963 Highland Avenue Dunedin, FL 34698 (727) 450-2301 www.c1ag.com August 5, 2025 This Brochure provides information about the qualifications and business practices of Client 1st Advisory Group LLC (“Client 1st”). If you have any questions about the contents of this Brochure, please contact us at 727-450-2301 or by email at: info@ c1ag.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”), or by any state securities authority. Additional information about us is also available on the SEC’s website www.advisorinfo.sec.gov. References to Client 1st as a “registered investment advisor” or any reference to being “registered” does not imply a certain level of skill or training.  Item 2 — Summary of Material Changes This section discusses only specific material changes that are made to this Form ADV Part 2A (the “Brochure”) and provides you with a summary of such changes. Since March 31, 2025, when we filed our last annual update to our Brochure, we have the following material changes to report: • In July 2025, Client 1st Advisory Group moved its Main Office location to 963 Highland Avenue, Dunedin, FL 34698. 2  Item 3 — Table of Contents Item 1 – Cover Page ........................................................................................................................ 1 Item 2 – Material Changes .............................................................................................................. 2 Item 3 – Table of Contents ............................................................................................................. 3 Item 4 – Investment Advisory Business ......................................................................................... 4 Item 5 – Fees and Compensation. ................................................................................................... 7 Item 6 - Performance-Based Fees and Side-By-Side Management ................................................ 9 Item 7 – Types of Clients ................................................................................................................ 9 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ........................................ 9 Item 9 – Disciplinary Information. ............................................................................................... 12 Item 10 – Other Financial Industry Activities and Affiliations .................................................... 12 Item 11 – Code of Ethics, Participation in Client Transactions and Personal Trading. ............... 13 Item 12 – Brokerage Practices ...................................................................................................... 14 Item 13 – Review of Accounts ..................................................................................................... 15 Item 14 – Client Referrals and Other Compensation. ................................................................. 15 Item 15 – Custody. ...................................................................................................................... 16 Item 16 – Investment Discretion. ................................................................................................ 17 Item 17 – Voting Client Securities ............................................................................................... 17 Item 18 – Financial Information. ................................................................................................. 17 ADV Part 2B: Brochure Supplement .......................................................................................... 18 3  Item 4 — Investment Advisory Business In this brochure, references to “we”, “us”, “our”, “our firm”, “the firm” “the Company” and “Client 1st” refers to Client 1st Advisory Group, LLC. Individuals who serve as our directors, officers, and representatives are referred to as our “advisors” “investment advisory representatives” or “IARs”. Our firm’s clients are referred to as “you” “your” or “our clients”. Client 1st Advisory Group, LLC was formed under the laws of the State of Florida in March 2013 as the successor to Client 1st Advisors, Inc. and Wealth Management Consultants, Inc. The firm is registered with the United States Securities and Exchange Commission as an investment advisor. Our Managing Members are Michelle Mabry, Chief Executive Officer, Dave Stieh, Chief Operations & Chief Compliance Officer, and Morgan Mabry, Chief Investment Officer. Client 1st offers personalized investment advisory services to individuals, pension and profit- sharing plans, trusts, estates, charitable organizations and corporations. Our services and fee arrangements are described in the following pages. OUR ADVISORY SERVICES We provide personalized financial planning and portfolio management services. Most of our clients are individuals and revocable grantor trusts. However, we also work with family limited partnerships, pension and profit-sharing plans, estates, charitable organizations and small businesses. We also provide financial consulting services to employer sponsored retirement plans. We provide advice to our clients through our “Consultative Client Management Program”. This process involves a series of meetings to (1) determine your financial goals and objectives, (2) present you with an investment plan, (3) form a mutual commitment to the plan and (4) schedule progress meetings on a quarterly basis. We work with other professionals (e.g. lawyers or accountants) who are directly engaged by our clients to assist on an as-needed basis. 4  Investment Management Client 1st provides customized asset management services by gathering relevant information about your current financial needs, objectives, existing financial assets, investment experience and risk tolerance. All aspects of your financial affairs are reviewed. We use this information to create an investment management strategy (or “Investment Plan”) that forms the basis of the asset allocation model that we will use to manage your investments. The Investment Plan changes with adjustments to your goals and objectives and the financial markets that we invest in on your behalf. A key element of our regular progress meetings in our Consultative Client Management Program is to revisit this process on a quarterly basis. The Investment Plan can also be revisited on demand when a material change in your financial situation occurs. Based on the Investment Plan that we prepare for you, the Client 1st Portfolio Management Team (“Portfolio Team”) creates a portfolio consisting of investments that meet the goals and objectives identified in your Investment Plan. We select a combination of investment vehicles that may consist of ETFs (exchange traded funds), mutual funds, stocks, bonds, alternative investments and commodities. Our selection of these investments is based on extensive research of the performance and risk associated with each investment vehicle. Our Firm minimum account size for investment management is $1,000,000 of assets under management. Client 1st reserves the right to waive the account minimum. Client 1st Wrap Fee Program We sponsor a wrap fee program (the “Client 1st Wrap Fee Program” or “Wrap Program”) and we are the portfolio manager of our Wrap Fee Program. In a wrap fee program you typically pay the sponsoring financial services firm a single fee, generally payable on a quarterly basis, to cover all costs in connection with securities transactions in your account and the investment management services. Your IAR will manage your investments in the Wrap Program according to your Investment Plan on a discretionary basis, deliver ongoing investment advice and monitor your security holdings. Our Wrap Program allows you the ability to pay an asset-based advisory fee that covers all transaction costs within the advisory fee. 5  For further information please refer to the Client 1st Form ADV Part 2A Appendix I Wrap Fee Program Brochure Retirement Plan Consulting Through its qualified advisors Client 1st offers a fee-for-service consulting program whereby our advisors may offer one-time or ongoing advisory services to qualified retirement plans. Through the Retirement Plan Consulting program, our advisors may assist plan sponsors with their fiduciary duties and provide individualized advice based upon the particular needs of the plan and/or plan participants regarding investment management matters including: Investment Policy Statement support Investment selection and monitoring • • • Overall portfolio composition • Participant advice programs Financial Planning and Consulting We offer financial planning services to you on matters involving securities and non-securities topics. The areas addressed may include retirement income planning, estate planning, budgeting and cash flow analysis, business succession planning, education planning and other areas where you may require assistance. Your IAR may prepare special reports on these matters at your request. As is the case with our investment management program, our financial plans are based on the financial information that you disclose to us at the time the plan is presented to you. Client 1st does not offer any guarantees or promises that your financial goals and objectives will be met. Further, you must continue to review any plan and update the plan based upon changes in your financial situation, goals, or objectives or changes in the economy. As your financial situation, goals, objectives, or needs change, you will need to promptly notify Client 1st and your investment advisory representative so that we can make adjustments to your plan. You are under no obligation to act on our financial planning recommendations. Moreover, if the financial plan that we prepare requires investment management you are under no obligation to implement the financial plan through Client 1st. ASSETS UNDER MANAGEMENT We manage your assets on either a discretionary or non-discretionary basis. As of December 31, 2024, we had total assets under management of $403,969,413 of which $397,894,899 in client assets were managed on a discretionary basis and $6,074,514 were managed on a non- discretionary basis. 6  Item 5 — Fees and Compensation INVESTMENT MANAGEMENT FEES Advisor Fees Our fee is billed quarterly in advance. The quarterly fee is the annual fee percentage adjusted for the number of days in the calendar quarter and is based on the market value of the account on the last business day of the preceding calendar quarter. The market values are also separately provided to you by the custodian. We urge our clients to compare both statements. If errors are discovered in the firm’s favor, we credit or refund such amount, with no time limit. The first billing cycle begins on the account inception date and is based on the account value on the inception date as determined by your broker-dealer or other qualified custodian. We prorate the fee for new accounts based on the number of days remaining in the calendar quarter. The quarterly billing value is equal to the closing market value of the account on the last business day of the quarter. Additions of funds or investments exceeding $50,000 deposited to your accounts during a quarter will be subject to a pro-rated annual management fee. Liquidations and distributions occurring during the quarter will not receive pro-rated refunds of fees. Our advisory fee ranges up to 1.50% and is based on the aggregate value of related accounts, the complexity of the account and the investment strategies employed. We will specify the amount and the manner in which we charge fees in our written agreement with you. Upon your authorization, the custodian of your assets will deduct our advisory fee from your account. Other Fees and Expenses In certain circumstances where our clients will benefit from broader diversification or lower overall expenses we will purchase investments and you will incur nominal transaction fees with executing broker/dealers. These transaction fees and the fees charged by the custodian for maintaining your assets are separate and in addition to the advisory fee. We charge an additional management fee ranging from .50% to 1.50% for direct management of held away assets such as 401(k) plans. 7  Moreover, if our Portfolio Team is investing your assets in funds, you will also incur expenses at the fund level. “Investment company shares” or “funds” of which the most common types are mutual funds, index funds, exchange traded funds (“ETFs”) and unit investment trusts (“UITs”) charge their shareholders various advisory fees and expenses associated with the establishment and operation of the funds. These fees and expenses generally include a management fee, shareholder servicing, portfolio transaction costs, other fund expenses, and sometimes a distribution fee. These separate fees are disclosed in each fund’s current prospectus, which is available from the sponsor and, upon request, from us. FINANCIAL PLANNING AND CONSULTING FEES The Client 1st Financial Planning and Consulting Program provides clients with the option of paying an annual fee for ongoing services, a flat fee, or an hourly rate not to exceed $350 per hour. The fee amount a client will pay is negotiable between the Client and his or her advisor and may either be paid at the time of service, in advance of service, or in arrears. Annual fees may be paid in monthly, quarterly, semiannual, or annual installments as agreed to between the client and the advisor. In some circumstances, implementing the recommendations in financial plans may involve investment or insurance products that result in a commission or other fee being paid to a registered representative of a broker / dealer. Client 1st IARs are not registered representatives of a broker/dealer and do not receive commissions or 12(b)-1 fees. However, some of our advisors are registered insurance agents and may receive commissions for fixed insurance products. In instances where a client pays a fee for financial planning advice, the client is notified in advance of any such transactions resulting in a commission being paid to an associated person of Client 1st. TERMINATION OF AGREEMENTS You may terminate any Investment Advisory Agreement or Financial Planning Agreement by notifying Client 1st in writing. For Investment Management Agreements you may terminate the Agreement for any reason within five (5) days of the initial contract date and receive a total refund of your fees. After the initial five days the Agreement may be terminated by either party upon written notice to the other party and will become effective on the date received by the other party (“termination date”). In the event an account is terminated in the middle of a quarter, fee’s will be refunded on a prorated basis. For Financial Plan Consulting Agreements and Retirement Plan Consulting Agreements, you may terminate the agreement at any time and a refund of unearned fees will be provided to you. The unearned fee will be calculated by Client 1st and your advisor and is based on the amount of time the advisor has spent working for you before you terminated the agreement. A full refund will be made if you terminate your agreement within 5 business days of signing the agreement. Client 1st may also terminate the above-referenced agreements by written notification if pertinent information to the planning process has not been provided. In this instance, any unused portion of advanced fees will be refunded within 15 days. 8  Item 6 — Performance-Based Fees and Side-By-Side Management We do not charge any performance-based fees (fees based on a share of capital gains or on capital appreciation of your assets). Item 7 — Types of Clients Our investment management and financial planning services are available to individuals, revocable grantor trusts, irrevocable trusts, pension and profit sharing plans, estates, charitable organizations and small businesses. For investment management services our Firm’s minimum account size is $1,000,000 of assets under management. We may require you to add to the amount in order to maintain the minimum or request that the account be terminated. These conditions are negotiable in light of your specific circumstances and relationships with our firm, our principals and representatives. Client 1st reserves the right to waive the account minimum. There is no minimum asset size for our fee-based financial planning services. Item 8 — Methods of Analysis, Investment Strategies and Risk of Loss Our goal at Client 1st is to help you achieve your stated investment objectives by selecting a mix of investment products and asset managers that provide the highest returns at an acceptable level of risk within your stated time frame. 9  METHODS OF ANALYSIS Our Portfolio Team determines the appropriate asset mix and asset allocation through analysis of potential asset classes for the period of your given time horizon. In the course of determining the appropriate investment assets and allocations, we also attempt to incorporate your existing investment assets into the mix. In performing our analysis we utilize research software created by third parties that incorporate performance and statistical probability for the existing investment asset classes. We also utilize other information sources both public and purchased including financial publications, prospectuses and annual reports. INVESTMENT STRATEGIES Your portfolio of investment assets is a customized allocation strategy based on your means, goals, objectives and risk tolerance and may include but not be limited to various combinations of stocks, bonds, mutual funds, exchange traded funds (“ETFs”) and to a limited extent “alternative investments” including Real Estate Investment Trusts (“REIT’s), high yield and structured notes, limited partnerships, master limited partnerships (“MLP’s) commodities and managed futures. We use a passive asset allocation process based on the following core strategies that we periodically rebalance back to their original allocations: Conservative An income-oriented strategy that seeks current income with minimal risk to principal with only modest long-term growth of principal and has a short- to mid-range investment time horizon Balanced A balanced-oriented strategy that seeks to reduce potential volatility by including income- generating investments in the portfolio with moderate growth of principal, short-term price fluctuations, and has a mid- to long-range investment time horizon Growth A growth-oriented strategy that seeks to maximize the long-term potential for growth of principal with potentially moderate short-term price fluctuations, a long-term investment time horizon and generating current income is not a primary goal. 10  Aggressive Growth A growth-oriented strategy that seeks to maximize the long-term potential for growth of principal with potentially large short-term price fluctuations, a long-term investment time horizon and generating current income is not a primary goal. We track and monitor the performance of your portfolio on a regular basis to ensure that the performance is on track to meet the financial objectives that we established for you. You will also be provided with quarterly reports of your portfolio’s performance (either electronically or by mail). RISK OF LOSS We offer advice about a wide variety of investment types, including mutual funds, index funds, ETFs, etc., each having different types and levels of risk. We discuss these risks with you in determining the investment objectives that will guide our investment advice for your account. We explain and answer any questions you have about these kinds of investments, which present special considerations. Investing in securities involves risk of loss that you should be prepared to bear. Obtaining higher rates of return on investments typically entails accepting higher levels of risk. We work with you to attempt to identify the balance of risks and rewards that is appropriate and comfortable for you. However, it is still your responsibility to ask questions if you do not fully understand the risks associated with any investment or investment strategy. Also, while we strive to render our best judgment on your behalf, many economic and market variables beyond our control can affect the performance of your investments and we cannot assure you that your investments will be profitable or assure you that no losses will occur in your investment portfolio. Past performance is one relatively important consideration with respect to any investment or investment advisor, but it is not a predictor of future performance. Please be advised that all investment programs have certain risks that are borne by you, the investor. Our investment approach constantly keeps the risk of loss in mind. Investors face the following investment risks: Interest-rate Risk: Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less attractive, causing their market values to decline. Market Risk: The price of a security, bond, or mutual fund may drop in reaction to tangible and intangible events and conditions. This type of risk is caused by external factors independent of a 11  security’s underlying circumstances. For example, political, economic and social conditions may trigger market events. Inflation Risk: When any type of inflation is present a dollar today will not buy as much as a dollar next year because purchasing power is eroding at the rate of inflation. Currency Risk: Overseas investments are subject to fluctuations in the value of the dollar against the currency of the investment’s originating. This is also referred to as exchange rate risk. Reinvestment Risk: This is the risk that future proceeds from investments may have to be reinvested at a potentially lower rate of return (i.e. interest rate). This primarily relates to fixed income securities. Business Risk: These risks are associated with a particular industry or a particular company within an industry. For example, oil-drilling companies depend on finding oil and then refining it, a lengthy process, before they can generate a profit. They carry a higher risk of profitability than an electric company, which generates its income from a steady stream of customers who buy electricity no matter what the economic environment is like. Liquidity Risk: Liquidity is the ability to readily convert an investment into cash. Generally, assets are more liquid if many traders are interested in a standardized product. For example, Treasury Bills are highly liquid, while individual real estate properties are not. Financial Risk: Excessive borrowing (leverage) to finance a business’ operations increases the risk of profitability, because the company must meet the terms of its obligations in good times and bad. During periods of financial stress, the inability to meet loan obligations may result in bankruptcy and/or a declining market value. Item 9 — Disciplinary Information Registered Investment advisors are required to disclose all matters regarding any legal or disciplinary events involving our firm or any of our representatives. We have no items to report. Item 10 — Other Financial Industry Activities and Affiliations Pontera (formerly FeeX) – Participant Account Management We use a third party platform, Pontera (f..k.a FeeX) to facilitate management of held away assets such as defined contribution plan participant accounts, with discretion. The platform allows us to avoid being considered to have custody of Client funds since we do not have direct access to Client log-in credentials to affect trades. We are not affiliated with the platform in any way and receive no compensation from them for using their platform. A link is provided to our Client allowing he or she to connect an account(s) to the 12  platform. Once Client’s account(s) is connected to the platform, we manage the account on a discretionary basis. We review the current account allocations. When deemed necessary, we will rebalance the account considering client investment goals and risk tolerance. Any change in allocations considers current economic and market trends. Client account(s) are reviewed at least quarterly and allocation changes are made as deemed necessary. Insurance Agents Some of our IARs are registered insurance agents and occasionally may receive commissions on fixed insurance products. You will be notified in advance of any such transactions resulting in a commission being paid to an associated person of Client 1st . The additional compensation creates conflicts of interest that you should consider before engaging our services. Item 11 — Code of Ethics, Participation or Interest in Client Transactions and Personal Trading CODE OF ETHICS We have adopted a Code of Ethics (the “Code”) describing the standards of business conduct we expect all officers, directors, employees, and advisory representatives to follow. It expresses our core fundamental values to be honest, fair, and forthright in our dealings with clients and others in the conduct of our business. Our Code also guides our practices in giving investment advice to our clients and personal trading of securities for our employees and their related accounts. The Code also describes certain reporting requirements with which particular individuals, associated with or employed by us, must comply. You may request a copy of our Code of Ethics by contacting our Main Office at 727- 450-2301 or by email at: info@ c1ag.com. PARTICIPATION OR INTEREST IN CLIENT TRANSACTIONS Client 1st employees and representatives may benefit from their purchases or sales of investments that we recommend to you and we may buy or sell securities that are also held by our clients. However, employees may not trade their own securities ahead of our clients’ trades. PERSONAL TRADING Our Chief Investment Officer reviews all employee statements each quarter. The personal trading reviews ensure that personal trading by our employees does not affect the market and If any irregularities are noted, the Firm’s Chief Compliance Officer is advised. 13  Item 12 — Brokerage Practices SELECTING BROKERAGE AND CUSTODIAL SERVICES Client 1st selects brokerage service relationships that include custody of securities, trade execution, clearance and settlement of transactions. The factors that we consider in selecting our brokerage and custodial services include: In-house research capabilities • Range of securities offered: stocks, bonds, mutual funds, ETFs, alt investments • Low transaction costs • Access to client data • Monthly/ quarterly reports to clients • Capability of supporting 3rd party money managers • • Overlay functions for customizing asset allocations • Back-office support facilitating management of multiple Client accounts We have established primary custodial and brokerage service relationships with Charles Schwab. Schwab in not affiliated with Client 1st. BEST EXECUTION AND TRADING FEES In placing orders to purchase and sell securities, our Firm considers a number of factors, not solely the ability to receive the best price, in selecting appropriate broker-dealers. We consider, among other factors, financial condition, reputation, level of trading expertise and capability, infrastructure, alternative trading options resulting from technology developments, market changes and commission rates charged. We typically rely on the brokerage services of our custodian. Occasionally, for fixed income security transactions, we employ third party firms to assist us in seeking best execution. On a periodic basis we review reports on execution quality that are available from our selected broker/dealers. We do not receive any portion of the trading fees charged by the broker-dealers. AGGREGATION OF ORDERS We will aggregate trades where possible and when advantageous to clients. This aggregation of trades permits the trading of blocks of securities composed of assets from multiple clients’ 14  accounts so long as transaction costs are shared equally and on a pro-rated basis between all accounts included in any such block. Block trading allows us to execute equity trades in a more timely and equitable manner, and may result in better pricing to clients. Trades for associated persons of Firm may be included in client block trades. SOFT DOLLAR ARRANGEMENTS We do not participate in any “soft dollar” arrangements where client commissions are partially rebated in the form of research credits or other benefits. Nor does any brokerage firm or custodian refer clients to our firm either as a matter of course or in consideration for using their brokerage services. Item 13 — Review of Accounts If we provide you with asset management services, we conduct review meetings with you at your request, at the time of significant new deposits or withdrawals, during substantial changes in market conditions and at least on an annual basis. You must contact us when a significant change in your financial condition occurs so that we can review your portfolio along with your new information to insure the investment strategies continue to are volatile market conditions be appropriate. Other conditions that may trigger a review and changes in the tax laws. We review your accounts on a quarterly basis. Account reviewers are members of our Investment Committee. They consider your current security positions, asset allocations and the likelihood that the performance of each security or investment strategy will contribute or continue to contribute to your investment objectives. In some cases we prepare reports of portfolio performance when requested by our clients for periodic reviews. Item 14 — Client Referrals and Other Compensation Solicitor Arrangements Occasionally we enter into solicitor agreements with accounting firms, and other professional firms or individuals who have referred friends and associates to our Firm. Under these agreements the solicitor may be compensated for their referral by sharing the annual management fee earned by Client 1st. If you become our client as a result of the solicitor’s efforts, the solicitor will provide you with the terms of the solicitor’s arrangement with our Firm you will also receive a copy of this Brochure. Generally, the Firm’s agreement with the solicitor will provide for an ongoing payment to the solicitor as a percentage of the advisory fees we collect from you. We do not charge clients introduced by such solicitors a higher advisory fee as 15  a result of our obligation to pay for the solicitation services. Outside solicitor arrangements create a potential conflict of interest. Solicitors may have an incentive to recommend clients to us based on the referral fee. Schwab Advisor Network Client 1st receives client referrals from Charles Schwab & Co., Inc. (“Schwab”) through our participation in the Schwab Advisor Network® (“the Service” or SAN Program”). Schwab designed the Service to help investors find an independent investment advisor. Schwab is a broker-dealer independent of, and unaffiliated with Client 1st. Schwab does not supervise us and has no responsibility for our management of clients ’portfolios or other advice or services we provide. Client 1st pays Schwab fees to receive client referrals through the Service. Our participation in the Service raises conflicts of interest, as described below. Client 1st pays Schwab a Participation Fee on all referred clients ’accounts custodied at Schwab and a Non- Schwab Custody Fee on all accounts maintained at, or transferred to, another custodian. The Participation Fee we pay is a percentage of the fees the client pays to us, or a percentage of the value of the assets in the client’s account subject to a minimum Participation Fee. Client 1st pays Schwab the Participation Fee as long as the referred client’s account remains in custody at Schwab. Schwab bills us the Participation Fee quarterly and Schwab may increase, decrease, or waive the fee from time to time. Client 1st pays the Participation Fee and not the client. We have agreed not to charge clients referred through the Service fees or costs greater than the fees or costs we normally charge to clients with similar portfolios who were not referred through the Service. Schwab bases the Participation Fee and Non-Schwab Custody Fee on assets in accounts of our clients referred by Schwab and those referred clients ’family members living in the same household. This means that we have an incentive to encourage household members of clients referred through the Service to maintain custody of their accounts and execute transactions at Schwab and to instruct Schwab to debit our fees directly from their accounts. Compensation or future benefits that we or other network participants receive from referrals creates conflicts of interests and you should carefully consider proceeding with such referrals. You are never obligated to accept a referral and will not be charged any additional fee for it. Item 15 — Custody Assets are held at our qualified custodian, Charles Schwab. The custodian provides account statements directly to you at your address of record at least quarterly. Client 1st does not take custody of Clients’ securities (See “Item 12—Brokerage Practices” above) In very limited circumstances we act as a trustee for clients. Or we may also provide bill paying services where we directly debit your account to pay your service providers. In these service relationships we are deemed to have constructive custody of your funds under federal and state 16  regulations. We establish these relationships with Compliance Department approval and we undergo an annual surprise audit by an accountant designated by the Public Company Accounting Oversight Board (PCAOB). We urge you to compare the account statements received directly by mail or electronically from your custodian with any performance report statements or services provided to you by Client 1st in the course of our relationship. Item 16 — Investment Discretion You designate Client 1st as your agent and attorney-in-fact to determine appropriate Account investments based on your financial circumstances and investment objectives. Our advisor can accordingly purchase and sell investment assets for your account. . This “trading discretion” granted to Client 1st does not authorize us to withdraw funds or assets from the Account. Discretionary trading authority facilitates placing trades in your accounts on your behalf so that we may promptly implement the investment plan that you have approved in writing and allows us to periodically rebalance your accounts to maintain the asset allocation strategy for meeting your goals and objectives. Item 17 — Voting Client Securities Client 1st does not vote securities (proxies) on behalf of our clients. We will not accept authorization to vote proxies. Nor will we take any action to render any advice with respect to voting proxies. We have instructed our custodian to forward all proxies and shareholder communications relating to the investment assets of our clients directly to our clients. Item 18 — Financial Information As a registered investment adviser, we are required to provide you with certain financial information or disclosures about our financial condition or if we have financial commitments that impair our ability to meet contractual and fiduciary commitments to you. We have not been the subject of a bankruptcy and do not have any financial commitments that would impair our ability to meet any contractual or fiduciary commitments to you. 17 

FORM ADV PART 2A, APPENDIX 1 CLIENT 1ST WRAP FEE PROGRAM 963 Highland Avenue Dunedin, FL 34698 (727) 450-2301 http://www.c1ag.com August 5, 2025 This Brochure provides information about the Client 1st Wrap Fee Program and the qualifications and business practices of Client 1st Advisory Group LLC (“Client 1st”). This Brochure is an Appendix to the Client 1st Form ADV Part 2A that is also being provided to you by your Client 1st Advisor. If you have any questions about the contents of either Brochure, please contact us at 727-450-2301 or by email at: info@ c1ag.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”), or by any state securities authority. Additional information about us is also available on the SEC’s website www.advisorinfo.sec.gov. References to Client 1st as a “registered investment advisor” or any reference to being “registered” does not imply a certain level of skill or training.  Item 2 — Summary of Material Changes This section discusses only specific material changes that are made to Form ADV Part 2A and this Form ADV Part 2A, Appendix 1 and provides you with a summary of such changes. Since our last annual filing of the Client 1st Wrap Fee Program on March 31, 2025, we have the following material change to report: In July 2025, Client 1st Advisory Group moved its Main Office location to 963 Dunedin Avenue, Dunedin, FL 34698. 2  Item 3 — Table of Contents Item 1 – Cover Page ....................................................................................................................... 1 Item 2 – Material Changes ............................................................................................................. 2 Item 3 – Table of Contents ............................................................................................................. 3 Item 4 – Services, Fees and Compensation .................................................................................... 4 Item 5 – Account Requirements and Types of Clients… ............................................................... 7 Item 6 – Portfolio Manager Selection and Evaluation… .............................................................. 7 Item 7 – Client Information Provided to Portfolio Managers. ...................................................... 7 Item 8 – Client Contact with Portfolio Managers ......................................................................... 8 Item 9 – Additional Information ................................................................................................... 8 3  Item 4 — Services, Fees and Compensation THE COMPANY In this brochure, references to “we”, “us”, “our”, “our firm”, “the firm” “the Company” and “Client 1st” refers to Client 1st Advisory Group, LLC. Individuals who serve as our directors, officers, and representatives are referred to as “your advisors”, “investment advisory representatives” or “IARs”. Our firm’s clients are referred to as “you” “your” or “our clients”. Client 1st Advisory Group, LLC was formed under the laws of the State of Florida in March 2013 as the successor to Client 1st Advisors, Inc. and Wealth Management Consultants, Inc. The firm is registered with the United States Securities and Exchange Commission as an investment advisor. Our Managing Members are Michelle Mabry, Chief Executive Officer, Dave Stieh, Chief Operations & Chief Compliance Officer, and Morgan Mabry, Chief Investment Officer. Client 1st offers personalized investment advisory services to individuals, pension and profit sharing plans, trusts, estates, charitable organizations, and corporations. Our services and fee arrangements are described in the following pages. OUR SERVICES We provide personalized financial planning and portfolio management services. Most of our clients are individuals and revocable grantor trusts. However, we also work with family limited partnerships, pension and profit sharing plans, estates, charitable organizations and small businesses. We also provide financial consulting services to employer sponsored retirement plans. We provide advice to our clients through our “Consultative Client Management Program” This process involves a series of meetings to (1) determine your financial goals and objectives, (2) present you with an investment plan, (3) form a mutual commitment to the plan and (4) schedule progress meetings on a quarterly basis. Your Client 1st Advisor will analyze your current financial situation, investment goals and current strategies. Based on this analysis your Advisor will determine if the Client 1st Wrap Fee Program (the “Wrap Program” or “Wrap Account”) is suitable for the recommended investment strategy. . 4  Your Advisor will explain the Program’s management process and investment strategies and will assist you with the selection of one or more Model Portfolios in an effort to meet your investment needs. Your Advisor will directly manage your account in the Program on a discretionary basis, as specified in your Client 1st Wrap Program Agreement (“Agreement”). Your Advisor will manage your account in the Program with the intent to diversify your investments, and therefore may include various types of securities such as equities, exchange traded funds (“ETFs”), mutual funds, and various fixed income securities. Our IARs may also recommend other types of investments when the IAR deems such investments appropriate based on your investment profile and any restrictions that you may impose. On a quarterly basis your Advisor will review your financial situation, goals and objectives so that updates to your investment strategy can be made, if warranted. FEES AND COMPENSATION You will pay one fee (the “Program Fee”) The Program Fee includes our investment management advisory fee and the commissions charged by broker/dealers for executing the transactions. The Program Fee is billed quarterly in advance. The quarterly fee is the annual fee percentage adjusted for the number of days in the calendar quarter and is based on the market value of the total non-cash assets in the Wrap Account on the last business day of the preceding calendar quarter. The market values are also separately provided to you by the custodian. We urge our clients to compare both statements. If errors are discovered in the firm’s favor, we credit or refund such amount, with no time limit. The Program Fee may be more than what your Advisor would receive if you participated in our other programs or paid separately for investment advice, brokerage services, or other services. Therefore, your Advisor may have a financial incentive to recommend this Wrap Program over other programs or services. Moreover, your Program Fee may be higher or lower than the Program Fee charged by other Advisors participating in the Client 1st Wrap Fee Program. The first billing cycle begins on the account inception date and is based on the account value on the inception date as determined by your qualified custodian. We prorate the fee for new accounts based on the number of days remaining in the calendar quarter. The quarterly billing value is equal to the closing market value of the account on the last business day of the quarter. 5  Our advisory fee ranges up to 1.50% and is based on the aggregate value of related accounts, the complexity of the account and the investment strategies employed. We will specify the amount and the manner in which we charge fees in our written agreement with you. Additions of funds exceeding $50,000 deposited to your accounts during a quarter will be subject to a pro-rated annual management fee. Liquidations and distributions occurring during the quarter will not receive pro-rated refunds of fees. You authorize us in the Agreement to invoice the custodian directly and you grant the custodian permission to deduct our fees directly from your account. Other Fees and Expenses In addition wrap program fee you may pay a nominal ongoing custodial fee for the establishment and operation of your wrap account. We charge an additional management fee ranging from .50% to .1.50% is charged for direct management of held away assets such as 401(k) plans. Moreover, if your portfolio manager chooses to invest in funds, you will also incur expenses at the fund level. “Investment company shares” or “funds” of which the most common types are mutual funds, exchange-traded funds (“ETFs”) and unit investment trusts (“UITs”) charge their shareholders various advisory fees and expenses associated with the establishment and operation of the funds. These fees and expenses generally include a management fee, shareholder servicing, portfolio transaction costs, other fund expenses, and sometimes a distribution fee. These separate fees are disclosed in each fund’s current prospectus, which is available from the sponsor and, upon request, from us. Performance-Based Fees and Side-By-Side Management We do not charge any performance-based fees in this Program (fees based on a share of capital gains on or capital appreciation of your assets). TERMINATION OF AGREEMENTS You may terminate the Wrap Program Agreement for any reason by notifying Client 1st in writing within five (5) days of the contract date and receive a complete refund of your fees. After the initial five days the Agreement may be terminated by either party upon written notice to the other party and will become effective on the date received by the other party (“termination date”). You will be obligated to pay fees through the termination date. Any unused portion of the quarterly advanced fee will be refunded. 6  Client 1st may also terminate the Wrap Program Agreement by written notification if pertinent information to the planning process has not been provided. In this instance, any unused portion of advanced fees will be refunded within 15 days. Item 5—Account Requirement and Types of Clients TYPES OF CLIENTS Our investment management and financial planning services are available to individuals, revocable grantor trusts, pension and profit-sharing plans, estates, charitable organizations and small businesses. ACCOUNT REQUIREMENTS The minimum account size for the Client 1st Wrap Account is $1,000,000. Client 1st reserves the right to waive the account minimum. We may require you to add to the amount in order to maintain the minimum or request that the account be terminated. These conditions are negotiable in light of your specific circumstances and relationships with our firm and our principals and representatives. The Wrap Account is traded only on a discretionary basis Item 6--Portfolio Selection and Evaluation Your IAR is the portfolio manager for all accounts in the Program. Our goal at Client 1st is to help you achieve your stated investment objectives by selecting a mix of investment products and asset managers that provide the highest returns at an acceptable level of risk within your stated time frame. Item 7---Client Information Provided to Portfolio Manager As the portfolio manager, your Advisor has access to all of the information you provide to them, including your financial information, investment objectives, risk tolerance level, tax status, 7  investment experience, financial status, and other information relating to your investment profile. Client 1st has adopted a Privacy Policy, in accordance with Regulation S - P under section 504 of the Gramm-Leach-Bliley Act, which restricts our Firm’s use and your IARs’ use of, and access to, your nonpublic personal information. In order for our IARs to effectively manage your account and assist you in helping to meet your financial objectives, you must update your IAR as soon as possible when any changes to your personal or financial information occur. You may obtain a complete copy of our Privacy Policy by contacting our corporate office at 727-450-2301 or via email at info@c1ag.com. Item 8 — Client Contact with Portfolio Managers Our IARs manage your account in the Program directly. As a client of the Program and as a client of our IAR, you will have unfettered access to contact and consult with the IAR who is managing your assets under the Program. Item 9 — Additional Information DISCIPLINARY INFORMATION Registered Investment advisors are required to disclose all matters regarding any legal or disciplinary events involving our firm or any of our representatives. We have no items to report. CUSTODIANS For our Wrap Program we have established primary custodial and brokerage service relationships with Charles Schwab, an independent SEC-registered broker/dealer. CODE OF ETHICS AND PERSONAL TRADING We have adopted a Code of Ethics (the “Code”) describing the standards of business conduct we expect all officers, directors, employees, and advisory representatives to follow. It expresses our core fundamental values to be honest, fair, and forthright in our dealings with clients and others in the conduct of our business. Our Code also guides our practices in giving investment advice to our clients and personal trading of securities for our employees and their related accounts. You 8  may request a copy of our Code of Ethics by contacting our Main Office at 727-450-2301 or by email at: info@ c1ag.com. Client 1st employees and representatives may benefit from their purchases or sales of investments that we recommend to you and we may buy or sell securities that are also held by our clients. However, employees may not trade their own securities ahead of our clients’ trades. CLIENT REFERRALS AND OTHER COMPENSATION Solicitor Arrangements Occasionally we enter into solicitor agreements with accounting firms, and other professional firms or individuals who have referred friends and associates to our Firm. Under these agreements the solicitor may be compensated for their referral by sharing the annual management fee earned by Client 1st. If you become our client as a result of the solicitor’s efforts, the solicitor will provide you with the terms of the solicitor’s arrangement with our Firm.. You will also receive a copy of this Brochure. Generally, the Firm’s agreement with the solicitor will provide for an ongoing payment to the solicitor as a percentage of the advisory fees we collect from you. We do not charge clients introduced by such solicitors a higher advisory fee as a result of our obligation to pay for the solicitation services. Outside solicitor arrangements create a potential conflict of interest. Solicitors may have an incentive to recommend clients to us based on the referral fee. Schwab Advisor Network Client 1st receives client referrals from Charles Schwab & Co., Inc. (“Schwab”) through our participation in the Schwab Advisor Network® (“the Service”or SAN Program”). Schwab designed the Service to help investors find an independent investment advisor. Schwab is a broker-dealer independent of, and unaffiliated with Client 1st. Schwab does not supervise us and has no responsibility for our management of clients’ portfolios or other advice or services we provide. Client 1st pays Schwab fees to receive client referrals through the Service. Our participation in the Service raises conflicts of interest, as described below. Client 1st pays Schwab a Participation Fee on all referred clients’ accounts custodied at Schwab and a Non- Schwab Custody Fee on all accounts maintained at, or transferred to, another custodian. The Participation Fee we pay is a percentage of the fees the client pays to us, or a percentage of the value of the assets in the client’s account subject to a minimum Participation Fee. Client 1st pays Schwab the Participation Fee as long as the referred client’s account remains in custody at Schwab. Schwab bills us the Participation Fee quarterly and Schwab may increase, decrease, or waive the fee from time to time. Client 1st pays the 9  Participation Fee and not the client. We have agreed not to charge clients referred through the Service fees or costs greater than the fees or costs we normally charge to clients with similar portfolios who were not referred through the Service. Schwab bases the Participation Fee and Non-Schwab Custody Fee on assets in accounts of our clients referred by Schwab and those referred clients’ family members living in the same household. This means that we have incentive to encourage household members of clients referred through the Service to maintain custody of their accounts and execute transactions at Schwab and to instruct Schwab to debit our fees directly from their accounts. Pontera (formerly FeeX) – Participant Account Management We use a third party platform, Ponterra (f.k.a. FeeX) to facilitate management of held away assets such as defined contribution plan participant accounts, with discretion. The platform allows us to avoid being considered to have custody of Client funds since we do not have direct access to Client log-in credentials to affect trades. We are not affiliated with the platform in any way and receive no compensation from them for using their platform. A link is provided to our Client allowing he or she to connect an account(s) to the platform. Once Client’s account(s) is connected to the platform, we manage the account on a discretionary basis. We review the current account allocations. When deemed necessary, we will rebalance the account considering client investment goals and risk tolerance. Any change in allocations considers current economic and market trends. Client account(s) are reviewed at least quarterly and allocation changes are made as deemed necessary. Insurance Services Some of our IARs are registered insurance agents and occasionally may receive commissions on fixed insurance products. You will be notified in advance of any such transactions resulting in a commission being paid to an associated person of Client 1st . The additional compensation creates conflicts of interest that you should consider before engaging our services. REVIEW OF ACCOUNTS We review your accounts on a quarterly basis. Account reviewers are members of our Investment Committee. They consider your current security positions, asset allocations money managers and the likelihood that the performance of each security, investment strategy or money manager will contribute or continue to contribute to your investment objectives FINANCIAL INFORMATION As a registered investment adviser, we are required to provide you with certain financial information or disclosures about our financial condition or if we have financial commitments that impair our ability to meet contractual and fiduciary commitments to you. We have not been the 10  subject of a bankruptcy proceeding and do not have any financial commitments that would impair our ability to meet any contractual or fiduciary commitments to you. OTHER SERVICES We offer clients a diverse menu of financial planning services including, but not limited to: education planning, estate plans, tax planning, risk management, retirement planning, cash flow planning and other investment and non-investment related matters. If you would like us to provide you with financial planning or consulting services, we enter into a separate written agreement with you setting forth the terms and conditions of our engagement, describing the scope of our services to be provided and our fee. For additional information regarding these services, and our fees, contact our corporate office, a 727-450-2301 or via email at info@c1ag.com to receive a copy of Part 2A of our Form ADV. 11