Adaptation Financial Advisors Inc

Item 5 – Fees and Compensation

Types of Compensation
Based on the investment services provided, Adaptation Financial is compensated for by the
following means:
       •       A percentage of assets under management
       •       Hourly charges
       •       Fixed fees (other than subscription fees)

Portfolio and Wealth Investment Management Fees

       Portfolio Investment Management Fee
       The range of Investment Management Advisory Fees is as follows:
               Total Account Value                            Maximum Advisory Fee
               First $0 - $500,000                                 1.75%
               Next $500,001 - $750,000                            1.50%
               Next $750,001 - $1,000,000                          1.25%
               Next $1,000,001 - $2,000,000                        1.00%
               Next $2,000,001 - $3,000,000                        0.85%
               Next $3,000,001 - $4,000,000                        0.60%
               Over $4,000,001                                    Negotiable
All fees are subject to negotiation. The amounts and specific manner in which fees are charged are
negotiated and memorialized in Adaptation Financials’ advisory agreement with our clients. We
bill our portfolio management fees in advance, or in arrears, and monthly or quarterly, as
determined by the client’s specific advisory arrangement with us. Monies added during the quarter,
including contributions through payroll reduction, dividends, interest, capital gains, and all sources
of income regardless of timing, will be included in the fee computation.
At our discretion, we may combine the account values of family members living in the same
household to determine the applicable advisory fee. For example, we may combine account values

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for you and your minor children, joint accounts with your spouse, and other types of related
accounts.

        Wrap Fees
                Wrap Fee Program Fees
                Adaptation Financial provides asset management services through both wrap-fee
programs and non-wrap-fee programs. Under the Adaptation Financial Wrap Fee Program, clients
pay a single fee for discretionary investment management services, trade execution costs and
custodial fees that are customary and usual when having a brokerage account. You do not pay
separately for commissions for each trade we execute in this type of account. Instead, we incur the
cost of executing securities transactions. For a more detailed description of the Wrap Program fees,
clients should refer to our separate Wrap Fee Program Brochure.
                WealthPort Wrap Program Fees
                The total annual advisory fee for client accounts that have implemented use of the
WealthPort Wrap Program shall not exceed 2.25%. The billing procedures for this service vary by
program. The total fee to be charged, as well as the billing cycle, will be detailed in the WealthPort
Wrap Fee Brochure and the Adaptation Financial advisory agreement to be signed by the client. A
portion of this fee will be paid to the Firm and will be outlined in the appropriately executed client
agreement. Clients participating in the WealthPort Wrap program will be provided with a copy of
CIRA’s Wrap Brochure and privacy policy.

        Third-Party Investment Advisor Fees
        The fees payable to Adaptation Financial for third-party advisory services will depend
upon the arrangement between Adaptation Financial and the third-party advisor to whom you are
referred. We will either share the fee paid by you to the third-party advisor or charge a fee that is
in addition to the fee paid to the third-party advisor. Clients will receive a full disclosure of the fee
schedule, including fees received by Adaptation Financial, and the services to be provided to you
by Adaptation Financial and the third-party advisor in the investment advisory agreement between
the parties, and the relevant third-party advisor’s brochure or equivalent disclosure document and
privacy policy, prior to placing the assets with the third-party advisor selected. In addition, if the
investment program recommended to you is a wrap fee program, you will also receive the
equivalent wrap fee brochure provided by the sponsor of the program.
The basic fee schedule for these services will vary based on the third-party advisor chosen to
provide this service. The fee will be based on the amount of assets managed and could be
negotiable. Such compensation differs depending on the individual agreement we have with each
third-party advisor. Adaptation Financial currently has no relationship with a third-party advisor.

       Financial Planning and Consulting Fees
       We charge fixed and/or hourly fees for financial planning and consulting services. Fees are
based on several factors, including time and labor, the nature and complexity of your situation,
and any special circumstances involved. These fees are negotiable.

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The terms and conditions of the financial planning and/or consulting engagements are set forth in
the Financial Planning Agreement, and we generally require one-half of the fee (estimated fixed)
payable upon execution of the Financial Planning Agreement. The outstanding balance is generally
due upon delivery of the financial plan or completion of the agreed-upon services. Fixed or flat
fees for a financial plan will range from $500.00 - $25,000.00, depending on the nature and
complexity of your circumstances. In addition to financial planning, we can provide you with
consultation on various financial topics to address your specific needs and objectives. Your
Advisory Representative will analyze your current financial situation and investment goals and
...

Item 7 – Types of Clients
We offer portfolio management investment advice to the following types of clients:
       •       Individuals
       •       Families
       •       High net worth individuals
       •       High net worth families
       •       Pension and profit- sharing plans (other than participants)
       •       Charitable organizations
       •       Trusts
       •       Estates
       •       Private business owners
       •       Public company affiliates
       •       Private foundations

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Account Minimum Requirements
As a condition for starting and maintaining an investment management relationship, Adaptation
Financial generally imposes a minimum portfolio value of $40,000 for non-wrap advisory services
and $500,000 for wrap program advisory services. Adaptation Financial may, in its sole discretion,
accept clients with smaller portfolios based upon certain circumstances. Such circumstances may
include, but not be limited to, the addition of assets to your account in the future, or the fact that
you and or family may have other accounts under management with us.
Third-party managers also have their own account size and/or fee minimums. These will be
disclosed in the manager’s disclosure documents and any agreements you may sign with them. We
also try to disclose these management fees (or fee ranges) in the client agreement that you will
sign with us.