Citric acid can be anhydrous or a monohydrate, and sodium citrate can be anhydrous, monobasic, dibasic, tribasic, all with different molecular weights that will affect your pH calculations. If you’re using anhydrous citric acid and tribasic sodium citrate, then you should be right at pH 5.35. Fyi, I use the Curtipot spreadsheet to get an accurate estimate of pH.
I’ve read that conditioners can have up to 5 w/w% citrate while shampoos are typically around 0.1-0.5 w/w%. So you seem to be pretty high at 2.6% for a shampoo. I don’t make shampoos though, so I’ll defer to someone else on whether or not this is appropriate for your formula. You’re also at a buffer concentration of 100 mM, which seems pretty high (though this depends on what you’re adding). Do you need that much buffering capacity in your shampoo, and does citrate serve any other purpose?
In my serums, I have to worry about hydrolysis (in my case, of esters), which is a pH sensitive reaction that is accelerated at higher temperatures. If your formula is acidic or basic at your 70C step (basic is normally worse), then hydrolysis might be a problem especially when heating for longer times. In that case, adding a buffer before that step might actually be helpful. At the same time, citrate is a chelator, and if you have metals in your formula you might have a higher chance to get color changes if you have it in there at 70C. Generally, I think the buffer is added at the end, but again I’ll defer to someone who makes shampoos since I only make facial serums.