# Adaptation Financial Advisors Inc.

> Adaptation Financial Advisors Inc. is an SEC-registered investment advisory firm in Oklahoma City, OK, registered since 2020, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated May 6, 2026.

- CRD: 309192
- Filed as: ADAPTATION FINANCIAL ADVISORS INC.
- Also doing business as: ADAPTATION FINANCIAL
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Oklahoma City, OK
- Filing period: October 2026
- Form ADV filing dated: May 6, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/309192
- AdvisorCensus page: https://advisorcensus.com/firm/adaptation-financial-advisors-inc-oklahoma-city-ok-309192

## Quick answers

**How is Adaptation Financial Advisors Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Adaptation Financial Advisors Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Adaptation Financial Advisors Inc. charge?**
Its Form ADV Part 2A brochure dated March 23, 2026 states: Flat fee: $500 to $25,000 (financial plan); Hourly rate: $75 to $500 an hour (financial planning and consulting services); Hourly rate: $350 an hour (retirement plan consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Adaptation Financial Advisors Inc. located?**
Adaptation Financial Advisors Inc.'s principal office is in Oklahoma City, OK, according to its Form ADV; the June 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is Adaptation Financial Advisors Inc. registered with the SEC or a state?**
Adaptation Financial Advisors Inc. is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 309192.

**How much does Adaptation Financial Advisors Inc. manage?**
Adaptation Financial Advisors Inc. reports $233,603,057 in regulatory assets under management in its Form ADV filing dated May 6, 2026 (100% discretionary).

**How have Adaptation Financial Advisors Inc.'s assets and staff changed since 2021?**
In the Form ADV data for Adaptation Financial Advisors Inc.: Regulatory assets under management: $309,880,000 in the October 2021 data and $233,603,057 in the October 2026 data, down 25%. Total employees: 10 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Adaptation Financial Advisors Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (637); high net worth individuals (53).

**Which custodians does Adaptation Financial Advisors Inc. use?**
Adaptation Financial Advisors Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Fidelity Brokerage Services LLC as custodians holding 10% or more of its separately managed account assets.

**Does Adaptation Financial Advisors Inc. report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/309192

**What changed in Adaptation Financial Advisors Inc.'s recent Form ADV filings?**
In the June 2026 filing data: Changed its office addresses in Houston, TX.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 23, 2026)

- Flat fee: $500 to $25,000 (financial plan)

> Fixed or flat fees for a financial plan will range from $500 .00 - $25,000.00, depending on the nature and complexity of your c ircumstances.

- Hourly rate: $75 to $500 an hour (financial planning and consulting services)

> Adaptation Financial charges an hourly fee ranging from $ 75.00 to $ 500.00 per hour . These hourly rates are billed monthly and are due and payable as incurred.

- Hourly rate: $350 an hour (retirement plan consulting services)

> Our hourly fee is $350.00 per hour for retirement plan consulting services.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- Fidelity Brokerage Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $233,603,057
- Discretionary: $233,603,057
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 637 | $130,540,301 |
| High net worth individuals | 53 | $103,062,756 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Selection of other advisers (including private fund managers)
- Educational seminars/workshops

### Firm details
- Registered since: 2020 (6 years)
- Employees: 4 total, 4 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: FL, IA, LA, NE, OH, OK, SC, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the June 2026 filing
- Houston, TX
- Westerville, OH

### Websites listed on Form ADV (Item 1.I)
- adaptfa.com
- LinkedIn @adaptation

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $309,880,000 | 10 | September 13, 2021 |
| October 2022 | $142,804,320 | 6 | September 7, 2022 |
| October 2023 | $102,956,137 | 7 | March 31, 2023 |
| October 2024 | $177,434,792 | 5 | March 27, 2024 |
| October 2025 | $217,147,998 | 4 | April 21, 2025 |
| October 2026 | $233,603,057 | 4 | May 6, 2026 |

Regulatory assets under management: $309,880,000 in the October 2021 data and $233,603,057 in the October 2026 data, down 25%.
Total employees: 10 in October 2021 and 4 in October 2026.

## Changes in the filing (last 12 months)

### June 2026
- Changed its office addresses in Houston, TX.

### December 2025
- Registered or notice-filed in LA.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Adaptation Financial Advisors Inc. (CRD 309192): Form ADV filing data as of October 2026.