My bad lower back requires my wallet to ride up front. Throw in car keys and a cell phone and there is often no vacancy in my front pockets. I also am not comfortable with 4:00 strong side, feels insecure. After a lot of trial & error ($), I settled on this rig from Ritchie Leather Co.

It conceals well riding high and tight at about 2:30. With its neutral cant, it works great cross draw too.