Westerville, OH Office

Adaptation Financial provides discretionary and non‑discretionary portfolio and wealth management, financial planning, retirement plan consulting, and related advisory services to individuals, families, high‑net‑worth clients, trusts, and employee benefit plans. The firm delivers tailored management across account types, including 529 plans and variable annuity subaccounts, and may engage third‑party managers or platform solutions to implement client strategies.

The firm’s process begins with a holistic assessment of each client’s financial situation and ongoing monitoring to align portfolios with stated objectives and risk tolerance, using a mix of long‑ and short‑term strategies and analytical methods (fundamental, technical, charting, cyclical). Adaptation Financial may recommend non‑standard investments—such as structured notes and defined‑outcome ETFs—and uses Cambridge’s WealthPort offerings (CAAP and UMA) as part of its implementation toolkit when appropriate.

Noteworthy features that distinguish the firm from many peers include serving as a sponsor of a wrap‑fee program, hosting investment‑related seminars and workshops for clients and the public, and having insurance‑industry affiliations (advisory representatives’ participation in an affiliated insurance agency and insurance licensing). The brochure also discloses relationships with Cambridge entities—including dual registrations for some representatives and forgivable loans to the parent company—which the firm identifies as potential conflicts of interest to be managed.