http://www.concealedcomfort.com/index.html
Someone posted this link in another thread. I went there & checked out the video, and well, it looks very interesting to me. I have a Blackhills IWB tuckable that I use sparingly, and while it conceals fairly well, I'm afraid I'm not a big fan of IWB-its just not comfortable. Some of it might be that I prefer to carry cross draw, so its hard to find the right spot where it conceals well and does not dig into my hip when I sit down.
This however, seems to address the comfort issues. The whole gun sits on your thigh below the bend line so it doesn't dig. From the video, it seems to draw fairly fast for a deep concealment holster, just not sure about the over the belt clip/phone holder.