88% of Retail Traders Lack a Clear Plan

Most people don’t struggle in the market because they’re lazy—they struggle because no one ever taught them how it actually works.

Roughly 88% of retail traders enter without a clear plan. They're overwhelmed by noise, flooded with conflicting opinions, and left to figure things out on their own. Without a solid foundation, it's easy to fall into habits that hurt long-term success.

That’s why I created Markets Simplified.
This platform is designed to teach you how to think critically, understand the bigger picture, and build a repeatable strategy—one that makes sense, even in uncertain times. I don’t just give you information—I help you connect the dots.

Because once you understand the market, you can move through it with clarity and confidence.

Americans answered only 48% of personal‑finance questions correctly

Most retail investors aren’t lacking passion—they’re lacking a plan. According to the 2023 TIAA Institute–GFLEC study, U.S. adults answered just 48% of financial literacy questions correctly, and only 35% understood basic concepts about risk. That’s a serious problem when risk is the foundation of every sound investment strategy. Data shows that individuals with low financial literacy are 4× more likely to struggle financially, 3× more likely to be debt-constrained, and 4× more likely to lack even a one-month emergency buffer—leaving them vulnerable to emotional decisions, over-leveraging, and short-term thinking.

At AD | Markets Simplified, we focus on turning knowledge into action. We break down market structure, risk management, and behavioral strategy so you can move from guessing to executing with confidence. Whether you're trading options, building long-term positions, or just starting out, we give you the tools to develop a repeatable, rules-based system—because financial literacy isn't just about knowing more, it's about earning more with clarity and consistency.