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This report analyzes climate change adaptation in Ghana, highlighting a critical gap between top-down national policies and locally led adaptation (LLA). While Ghana has established comprehensive frameworks like the updated NDCs, funding is heavily skewed toward mitigation (87.4%) over adaptation (3.4%). Through case studies in the Savannah, Upper East, and coastal regions, the report demonstrates that LLA initiatives—such as organic shea processing, climate-smart agriculture, and community-based coastal monitoring—are effective but hindered by limited finance and institutional support. The authors recommend devolving financial resources, integrating traditional knowledge, and fostering participatory decision-making to enhance national resilience.