# EDGAR Filing Document

**Accession Number:** 0001802816
**File Stem:** 0000905729-23-000044
**Filing Date:** 2023-2
**Character Count:** 12662
**Document Hash:** e7cd10aa42b2558f7821cc5c2ff80130
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000905729-23-000044.hdr.sgml**: 20230213

**ACCESSION NUMBER**: 0000905729-23-000044

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230213

**DATE AS OF CHANGE**: 20230213

**EFFECTIVENESS DATE**: 20230213

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CLIENT 1ST ADVISORY GROUP, LLC
- **CENTRAL INDEX KEY:** 0001802816
- **IRS NUMBER:** 462205726
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19934
- **FILM NUMBER:** 23616466

**BUSINESS ADDRESS:**
- **STREET 1:** 611 DRUID RD EAST
- **STREET 2:** SUITE 707
- **CITY:** CLEARWATER
- **STATE:** FL
- **ZIP:** 33756
- **BUSINESS PHONE:** 727-450-2301

**MAIL ADDRESS:**
- **STREET 1:** 611 DRUID RD EAST
- **STREET 2:** SUITE 707
- **CITY:** CLEARWATER
- **STATE:** FL
- **ZIP:** 33756

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** CLIENT 1ST ADVISORY GROUP LLC<br>**Address:** 611 Druid Rd East<br>Suite 707<br>Clearwater, FL 33756

**Form 13F File Number:** 028-19934

**CRD Number (if applicable):** 000167790

**SEC File Number (if applicable):** 801-78052

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:** David Stieh<br>**Title:** Chief Operations Officer<br>**Phone:** 727-450-2301

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

/s/ David Stieh  Clearwater, FL  02-13-2023<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:** 90

**Form 13F Information Table Value Total:** $171075749

      (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 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1202646 | 13554 | SH |  | SOLE |  | 0 | 0 | 13554 |
| AMAZON COM INC | COM | 023135106 |  | 317352 | 3778 | SH |  | SOLE |  | 0 | 0 | 3778 |
| AMERISOURCEBERGEN CORP | COM | 03073E105 |  | 583133 | 3519 | SH |  | SOLE |  | 0 | 0 | 3519 |
| APPLE INC | COM | 037833100 |  | 1470873 | 11321 | SH |  | SOLE |  | 0 | 0 | 11321 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 377167 | 1221 | SH |  | SOLE |  | 0 | 0 | 1221 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 471576 | 234 | SH |  | SOLE |  | 0 | 0 | 234 |
| CARMAX INC | COM | 143130102 |  | 202885 | 3332 | SH |  | SOLE |  | 0 | 0 | 3332 |
| CHEVRON CORP NEW | COM | 166764100 |  | 511547 | 2850 | SH |  | SOLE |  | 0 | 0 | 2850 |
| DTE ENERGY CO | COM | 233331107 |  | 298409 | 2539 | SH |  | SOLE |  | 0 | 0 | 2539 |
| EA SERIES TRUST | STRIVE 500 ETF | 02072L680 |  | 233430 | 9622 | SH |  | SOLE |  | 0 | 0 | 9622 |
| ELEVANCE HEALTH INC | COM | 036752103 |  | 460647 | 898 | SH |  | SOLE |  | 0 | 0 | 898 |
| ENBRIDGE INC | COM | 29250N105 |  | 588025 | 15039 | SH |  | SOLE |  | 0 | 0 | 15039 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 3908370 | 35434 | SH |  | SOLE |  | 0 | 0 | 35434 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 |  | 1403640 | 14852 | SH |  | SOLE |  | 0 | 0 | 14852 |
| HANCOCK WHITNEY CORPORATION | COM | 410120109 |  | 240789 | 4976 | SH |  | SOLE |  | 0 | 0 | 4976 |
| HOME DEPOT INC | COM | 437076102 |  | 232789 | 737 | SH |  | SOLE |  | 0 | 0 | 737 |
| INVESCO EXCH TRADED FD TR II | S EMRNG MKTS | 46138E297 |  | 2472649 | 107460 | SH |  | SOLE |  | 0 | 0 | 107460 |
| IQVIA HLDGS INC | COM | 46266C105 |  | 718549 | 3507 | SH |  | SOLE |  | 0 | 0 | 3507 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 7486532 | 166627 | SH |  | SOLE |  | 0 | 0 | 166627 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 11534589 | 507684 | SH |  | SOLE |  | 0 | 0 | 507684 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 333331 | 5759 | SH |  | SOLE |  | 0 | 0 | 5759 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 982852 | 10385 | SH |  | SOLE |  | 0 | 0 | 10385 |
| ISHARES TR | MSCI USA SZE FT | 46432F370 |  | 572055 | 5030 | SH |  | SOLE |  | 0 | 0 | 5030 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 781111 | 10486 | SH |  | SOLE |  | 0 | 0 | 10486 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 312814 | 3698 | SH |  | SOLE |  | 0 | 0 | 3698 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 3209457 | 35215 | SH |  | SOLE |  | 0 | 0 | 35215 |
| ISHARES TR | IBONDS DEC 28 | 46435U325 |  | 549882 | 21912 | SH |  | SOLE |  | 0 | 0 | 21912 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 386529 | 3707 | SH |  | SOLE |  | 0 | 0 | 3707 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 278362 | 2638 | SH |  | SOLE |  | 0 | 0 | 2638 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 1624747 | 15019 | SH |  | SOLE |  | 0 | 0 | 15019 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 259487 | 9554 | SH |  | SOLE |  | 0 | 0 | 9554 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 334814 | 2938 | SH |  | SOLE |  | 0 | 0 | 2938 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 1591023 | 22067 | SH |  | SOLE |  | 0 | 0 | 22067 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 512628 | 9751 | SH |  | SOLE |  | 0 | 0 | 9751 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 595752 | 8576 | SH |  | SOLE |  | 0 | 0 | 8576 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 342666 | 3533 | SH |  | SOLE |  | 0 | 0 | 3533 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 22144376 | 261291 | SH |  | SOLE |  | 0 | 0 | 261291 |
| ISHARES TR | AGGRES ALLOC ETF | 464289859 |  | 365790 | 6122 | SH |  | SOLE |  | 0 | 0 | 6122 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 417610 | 4920 | SH |  | SOLE |  | 0 | 0 | 4920 |
| ISHARES TR | MBS ETF | 464288588 |  | 4249898 | 45821 | SH |  | SOLE |  | 0 | 0 | 45821 |
| ISHARES TR | FALN ANGLS USD | 46435G474 |  | 5268120 | 214064 | SH |  | SOLE |  | 0 | 0 | 214064 |
| ISHARES TR | GLOBAL FINLS ETF | 464287333 |  | 977046 | 13902 | SH |  | SOLE |  | 0 | 0 | 13902 |
| ISHARES TR | 10+ YR INVST GRD | 464289511 |  | 298238 | 5990 | SH |  | SOLE |  | 0 | 0 | 5990 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 777647 | 19018 | SH |  | SOLE |  | 0 | 0 | 19018 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 209785 | 3196 | SH |  | SOLE |  | 0 | 0 | 3196 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 237912 | 6890 | SH |  | SOLE |  | 0 | 0 | 6890 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 9047376 | 197197 | SH |  | SOLE |  | 0 | 0 | 197197 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 822058 | 16501 | SH |  | SOLE |  | 0 | 0 | 16501 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1304322 | 3395 | SH |  | SOLE |  | 0 | 0 | 3395 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 296323 | 8172 | SH |  | SOLE |  | 0 | 0 | 8172 |
| ISHARES TR | IBONDS DEC 27 | 46435U283 |  | 299797 | 11956 | SH |  | SOLE |  | 0 | 0 | 11956 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 7424018 | 88634 | SH |  | SOLE |  | 0 | 0 | 88634 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 616313 | 5912 | SH |  | SOLE |  | 0 | 0 | 5912 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 876911 | 6009 | SH |  | SOLE |  | 0 | 0 | 6009 |
| ISHARES U S ETF TR | BLACKROCK SHORT | 46431W838 |  | 314280 | 6321 | SH |  | SOLE |  | 0 | 0 | 6321 |
| ISHARES U S ETF TR | GSCI CMDTY STGY | 46431W853 |  | 2215521 | 78592 | SH |  | SOLE |  | 0 | 0 | 78592 |
| LATTICE STRATEGIES TR | HARTFORD MLT ETF | 518416102 |  | 631947 | 25492 | SH |  | SOLE |  | 0 | 0 | 25492 |
| LOWES COS INC | COM | 548661107 |  | 282921 | 1420 | SH |  | SOLE |  | 0 | 0 | 1420 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1055013 | 3034 | SH |  | SOLE |  | 0 | 0 | 3034 |
| META PLATFORMS INC | CL A | 30303M102 |  | 287252 | 2387 | SH |  | SOLE |  | 0 | 0 | 2387 |
| MICROSOFT CORP | COM | 594918104 |  | 661041 | 2756 | SH |  | SOLE |  | 0 | 0 | 2756 |
| QUALCOMM INC | COM | 747525103 |  | 301236 | 2740 | SH |  | SOLE |  | 0 | 0 | 2740 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 2029436 | 50097 | SH |  | SOLE |  | 0 | 0 | 50097 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 8313927 | 182123 | SH |  | SOLE |  | 0 | 0 | 182123 |
| SCHWAB STRATEGIC TR | 5 10YR CORP BD | 808524698 |  | 225198 | 5225 | SH |  | SOLE |  | 0 | 0 | 5225 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 3151632 | 60854 | SH |  | SOLE |  | 0 | 0 | 60854 |
| SCHWAB STRATEGIC TR | 1 5YR CORP BD | 808524714 |  | 3321467 | 70835 | SH |  | SOLE |  | 0 | 0 | 70835 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 2748233 | 31419 | SH |  | SOLE |  | 0 | 0 | 31419 |
| SOUTHERN CO | COM | 842587107 |  | 271742 | 3805 | SH |  | SOLE |  | 0 | 0 | 3805 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 232205 | 7821 | SH |  | SOLE |  | 0 | 0 | 7821 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 269419 | 10721 | SH |  | SOLE |  | 0 | 0 | 10721 |
| SPDR SER TR | BLOOMBERG INTL T | 78464A516 |  | 315523 | 14067 | SH |  | SOLE |  | 0 | 0 | 14067 |
| SPDR SER TR | S OILGAS EXP | 78468R556 |  | 213196 | 1569 | SH |  | SOLE |  | 0 | 0 | 1569 |
| SPDR SER TR | PORTFOLIO S | 78464A854 |  | 29020013 | 645176 | SH |  | SOLE |  | 0 | 0 | 645176 |
| SPDR SER TR | PORTFOLIO LN COR | 78464A367 |  | 239498 | 10668 | SH |  | SOLE |  | 0 | 0 | 10668 |
| SPDR SER TR | PORTFOLIO INTRMD | 78464A375 |  | 539583 | 16952 | SH |  | SOLE |  | 0 | 0 | 16952 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 222204 | 2983 | SH |  | SOLE |  | 0 | 0 | 2983 |
| TRANSOCEAN LTD | REG SHS | H8817H100 |  | 225465 | 49444 | SH |  | SOLE |  | 0 | 0 | 49444 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 488296 | 921 | SH |  | SOLE |  | 0 | 0 | 921 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 276774 | 1358 | SH |  | SOLE |  | 0 | 0 | 1358 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 286793 | 1806 | SH |  | SOLE |  | 0 | 0 | 1806 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 555181 | 6441 | SH |  | SOLE |  | 0 | 0 | 6441 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 3433375 | 22610 | SH |  | SOLE |  | 0 | 0 | 22610 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 258367 | 6156 | SH |  | SOLE |  | 0 | 0 | 6156 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 418176 | 3158 | SH |  | SOLE |  | 0 | 0 | 3158 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 505198 | 2936 | SH |  | SOLE |  | 0 | 0 | 2936 |
| VISA INC | COM CL A | 92826C839 |  | 449177 | 2162 | SH |  | SOLE |  | 0 | 0 | 2162 |
| VOYA GLBL EQTY DIV  PREM OP | COM | 92912T100 |  | 89265 | 16500 | SH |  | SOLE |  | 0 | 0 | 16500 |
| WISDOMTREE TR | EM EX ST-OWNED | 97717X578 |  | 3272279 | 122649 | SH |  | SOLE |  | 0 | 0 | 122649 |
| WP CAREY INC | COM | 92936U109 |  | 938269 | 12006 | SH |  | SOLE |  | 0 | 0 | 12006 |

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