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 Officer, and Morgan Mabry, Chief Investment Officer. r 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. 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. 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 March 6, 2024, we had total assets under management of $348,644,970 of which $343,341,970 in client assets were managed on a discretionary basis and $5,303,000 were managed on a non-discretionary basis.