# A Closer Look at Personalized Fine-Tuning in Heterogeneous Federated Learning

arXiv: https://arxiv.org/abs/2511.12695 · HTML: https://mlsanity.com/paper/2511.12695/

## Key facts

- No citing papers in the map yet (data through 14 Oct 2026).
- Builds on 42 of its 46 references that are in the map.
- First posted on arXiv 16 Nov 2025.

## Builds on (most cited first, 30 of 42)

- [LoRA: Low-Rank Adaptation of Large Language Models](https://mlsanity.com/paper/2106.09685/) (2021)
- [Communication-Efficient Learning of Deep Networks from Decentralized Data](https://mlsanity.com/paper/1602.05629/) (2016)
- [Parameter-Efficient Transfer Learning for NLP](https://mlsanity.com/paper/1902.00751/) (2019)
- [On the Opportunities and Risks of Foundation Models](https://mlsanity.com/paper/2108.07258/) (2021)
- [Deep Learning Face Attributes in the Wild](https://mlsanity.com/paper/1411.7766/) (2014)
- [Advances and Open Problems in Federated Learning](https://mlsanity.com/paper/1912.04977/) (2019)
- [Federated Optimization in Heterogeneous Networks](https://mlsanity.com/paper/1812.06127/) (2018)
- [Benchmarking Neural Network Robustness to Common Corruptions and Perturbations](https://mlsanity.com/paper/1903.12261/) (2019)
- [CheXpert: A Large Chest Radiograph Dataset with Uncertainty Labels and Expert Comparison](https://mlsanity.com/paper/1901.07031/) (2019)
- [Sharpness-Aware Minimization for Efficiently Improving Generalization](https://mlsanity.com/paper/2010.01412/) (2020)
- [Model soups: averaging weights of multiple fine-tuned models improves accuracy without increasing inference time](https://mlsanity.com/paper/2203.05482/) (2022)
- [Moment Matching for Multi-Source Domain Adaptation](https://mlsanity.com/paper/1812.01754/) (2018)
- [Averaging Weights Leads to Wider Optima and Better Generalization](https://mlsanity.com/paper/1803.05407/) (2018)
- [Visualizing the Loss Landscape of Neural Nets](https://mlsanity.com/paper/1712.09913/) (2017)
- [Tackling the Objective Inconsistency Problem in Heterogeneous Federated Optimization](https://mlsanity.com/paper/2007.07481/) (2020)
- [SNIP: Single-shot Network Pruning based on Connection Sensitivity](https://mlsanity.com/paper/1810.02340/) (2018)
- [Fine-Tuning can Distort Pretrained Features and Underperform Out-of-Distribution](https://mlsanity.com/paper/2202.10054/) (2022)
- [FedBN: Federated Learning on Non-IID Features via Local Batch Normalization](https://mlsanity.com/paper/2102.07623/) (2021)
- [Exploiting Shared Representations for Personalized Federated Learning](https://mlsanity.com/paper/2102.07078/) (2021)
- [An Efficient Framework for Clustered Federated Learning](https://mlsanity.com/paper/2006.04088/) (2020)
- [Adaptive Personalized Federated Learning](https://mlsanity.com/paper/2003.13461/) (2020)
- [Three Approaches for Personalization with Applications to Federated Learning](https://mlsanity.com/paper/2002.10619/) (2020)
- [Surgical Fine-Tuning Improves Adaptation to Distribution Shifts](https://mlsanity.com/paper/2210.11466/) (2022)
- [On Feature Learning in the Presence of Spurious Correlations](https://mlsanity.com/paper/2210.11369/) (2022)
- [Salvaging Federated Learning by Local Adaptation](https://mlsanity.com/paper/2002.04758/) (2020)
- [Distributionally Robust Federated Averaging](https://mlsanity.com/paper/2102.12660/) (2021)
- [Benchmarking Neural Network Robustness to Common Corruptions and Surface Variations](https://mlsanity.com/paper/1807.01697/) (2018)
- [On Interaction Between Augmentations and Corruptions in Natural Corruption Robustness](https://mlsanity.com/paper/2102.11273/) (2021)
- [When Do Flat Minima Optimizers Work?](https://mlsanity.com/paper/2202.00661/) (2022)
- [Do We Need Zero Training Loss After Achieving Zero Training Error?](https://mlsanity.com/paper/2002.08709/) (2020)

## Abstract (arXiv)

Federated Learning (FL) enables decentralized, privacy-preserving model training but struggles to balance global generalization and local personalization due to non-identical data distributions across clients. Personalized Fine-Tuning (PFT), a popular post-hoc solution, fine-tunes the final global model locally but often overfits to skewed client distributions or fails under domain shifts. We propose adapting Linear Probing followed by full Fine-Tuning (LP-FT), a principled centralized strategy for alleviating feature distortion (Kumar et al., 2022), to the FL setting. Through systematic evaluation across seven datasets and six PFT variants, we demonstrate LP-FT's superiority in balancing personalization and generalization. Our analysis uncovers federated feature distortion, a phenomenon where local fine-tuning destabilizes globally learned features, and theoretically characterizes how LP-FT mitigates this via phased parameter updates. We further establish conditions (e.g., partial feature overlap, covariate-concept shift) under which LP-FT outperforms standard fine-tuning, offering actionable guidelines for deploying robust personalization in FL.