Adap Tax Financial, Inc.

Adap Tax Financial, Inc. advises individuals, families, trusts, estates, corporations, limited liability companies and non-profit organizations, providing financial planning, discretionary investment management, and tax preparation and representation services. The firm operates with a small client base and a single primary advisor managing roughly $38 million in total assets, and most new clients begin with a no-cost initial consultation followed by a written proposal.

The firm emphasizes passive, asset-allocation portfolios built primarily with low-cost exchange-traded funds and a fundamental analysis framework, while acknowledging the risks and limitations of any single investment approach. For clients with concentrated employer stock positions, ATFI specifically uses option strategies—such as covered calls and collars—and the brochure notes the firm buys and sells options and may utilize borrowing within managed accounts as part of portfolio management.

ATFI is structured as a fee-only adviser and integrates tax services with investment advice, offering tax preparation and representation under separate engagement terms, which the brochure presents as a distinct in-house offering rather than a referral. The principal’s dual credentials as a CFP® and Enrolled Agent, plus part-time teaching of finance and tax courses at a university extension, and the firm’s periodic educational seminars and workshops, are highlighted as notable features relative to many peers.