https://www.discoverindependence.com/welcome daily 1.0 2026-02-10 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1475767923892-32CNYPY59H9JODYOIV6Z/impact.jpg Welcome https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1475778546207-U305EOD4KZG2CHQZ0JC6/FSCChartBackground3.jpg Welcome https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/82345b31-ec7f-4e2f-97f6-0d5471297f5a/ADK2026.jpg Welcome https://www.discoverindependence.com/videos daily 0.75 2026-03-02 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1772478833331-GXZ72MJC97B2S8CO6UEM/image-asset.jpeg Videos - ADK Market Update - February 2026 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1772478833331-GXZ72MJC97B2S8CO6UEM/image-asset.jpeg Videos - ADK Market Update - February 2026 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1673623070912-MO9VLTHP50SIZ7SBN96G/image-asset.octet-stream Videos Check out Dan's latest market update video where he outlines our strategic investment planning approach and future market scenarios. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1767215071945-OOWM26090YLZO28DN2MC/image-asset.jpeg Videos - ADK Market Update Q4 2025 In our year-end update, Dan reflects on the market year where early uncertainty gave way to stronger-than-expected growth. Both stocks and bonds delivered solid results, exceeding initial expectations as markets proved more resilient than expected. Looking ahead, the economic outlook remains constructive with a low risk of recession, supported by continued spending. Dan also highlights that emerging risks remain, underscoring the importance of staying attentive in the year ahead. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1763751433403-GYS8UI3D3EIZ2XCNRUN5/image-asset.jpeg Videos - Stock Market Volatility - November 2025 Given recent market declines, we thought an update would be helpful. If you have any questions, please don’t hesitate to contact us at any time. -Dan and Team ADK https://static1.squarespace.com/static/57f66d95e4fcb5154dc8c52d/57f6797d725e25b359bacf5d/63583aaaaf27cb471a07309f/1673623897183/ Videos - ADK Market Update 2022 Q4 Check out Dan's latest market update video where he shares insight on the journey through the economic cycle and tactics to combat rising risks of recession. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1758908003695-OLR8O1R5EOI23PXXM4E3/image-asset.jpeg Videos - ADK Market Update Q3 2025 In our latest market update, Dan discusses how the markets have performed throughout the year: both stocks and bonds have delivered positive returns—stocks have exceeded targets since April lows, while bonds are aligning with expected 5–7% gains. Despite slower economic growth, Fed rate cuts are supporting a soft landing, and financial dashboards show few signs of recession. International valuations have risen while U.S. markets continue to trade at a premium amid a weakening dollar and tariff pressures, suggesting continued choppiness but overall optimism through late 2025. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1751550273814-O0BTIKHD7MXXSFSKWOYS/image-asset.jpeg Videos - ADK Mid-Year Market Update 2025 In our latest market update, Dan unwraps the first half of 2025’s market moves— from geopolitical tensions and tariffs driving day-to-day volatility to our overall position in the market cycle. Our team maintains a consistent financial outlook, with expected volatility, positive stock returns, and moderate bond performance in the second half of the year. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1673623624483-ETCVQWACVCFH7CK05X0E/image-asset.jpeg Videos - ADK 2022 Midterm Elections Recap https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1749218535293-T5F3FKB0I3H9KF2GXCTE/image-asset.jpeg Videos - ADK Stock Market Update June 2025 Check out the latest market updates from Dan and Team ADK. Dan breaks down recent market moves—from the peak on February 19th through a measured decline in early April and signs of recovery through May. He explains how ongoing trade tariff uncertainties with key global markets have impacted market positioning, and why our team is holding a risk-neutral stance amid slowing growth and unpredictable economic cycles. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1743611737932-XZJ05GB02ZDDIK1LCKH7/image-asset.jpeg Videos - ADK Market Update March 2025 March has tested the resilience of markets, wiping away the strong gains of January and February. Amid this choppiness, we're witnessing growth markets pull back while value remains steady. The bond market was up 2.75%. As tariffs and trade uncertainties drive volatility, we see no recession risk in the next 12 months and only moderate likelihood over the next 2 years. Dive into our latest Market Update video to explore what’s next. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1736540829803-B4JFVMR6OIQLANR7EEA5/image-asset.jpeg Videos - ADK Market Update 2024-25 As we begin 2025, ADK wants to share our market update views for 2024 and 2025. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1731107716415-AOSXY853XOA3HQTRHN0G/image-asset.jpeg Videos - Financial Markets & Election Results 2024 30+ years ago, I heard one of our top portfolio managers say, "When your party losses an election you think the markets will tank. When your party wins you think the markets will do great". He then went on to teach me Fed Policy, the economy and corporate earnings are the key variables. I have observed election risk can add fuel if something happens but is not the main catalyst to pre-election volatility. However, the few days after an election are driven more by the election being over than anything else. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1722968455284-G4Q7XAOX0W2CN804RCB0/image-asset.jpeg Videos - ADK Market Update August 2024 Friday and Monday market conditions can spook investors, but it should not scare our clients. This is why we started reducing equities and moving growth to value throughout the year. We also eliminated Japan from our model. This current shock started with the "Japanese Carry" trade unraveling. It is impossible to determine where this goes. If it turns up quickly we will do very little. If this is a bloodletting we will use it to increase our equity allocation and growth equity positions (a reversal of earlier moves). Time will tell. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1720629880782-3GWMXARWRXXEVPWK3G63/image-asset.jpeg Videos - Aging in Place Check out our latest comprehensive planning video where Dan & Tim Vosse discuss the My Circle advisor group and the "Life at Home" planning solutions they offer for senior living. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1713970225450-5FGO9N54D75E33DD2RJH/image-asset.png Videos - ADK Geopolitical Update April 2024 Check out Dan's latest market update video where he outlines the recent geopolitical unrest and its effect on the overall market, along with updates on the inflation rate and our overall investment strategy. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1710944993063-OPWDJ6CILQFKB4YUDO87/image-asset.jpeg Videos - ADK Market Update March 2024 Check out Dan's latest market update video where he reflects on the first quarter of the year and provides background on updates to the ADK investment model throughout 2024. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1704470104362-6FM1BL4ECP29JQ1SDIYO/image-asset.jpeg Videos - ADK Market Update 2023 Recap Check out Dan's latest market update video where he reviews our journey through 2023 and thoughts on key market drivers in 2024 and beyond. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1701446863847-E9RU1DJRNDY1K412TGMU/image-asset.jpeg Videos - ADK Market Update November 2023 Check out Dan's latest market update video where he discusses themes surrounding the current market cycle and different economic sector performance. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1699378618584-NUKY1GCNCAC1J592IH60/image-asset.jpeg Videos - ADK Market Update Oct. 2023 Check out Dan's latest market update video where he discusses recent geopolitical turbulence, its effect on market volatility and our investment model. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1690563191170-4PJ4JSNZPSWYRBFTKEA6/image-asset.jpeg Videos - ADK Market Update July 2023 Check out Dan's latest market update video where he discusses our research perspective on stock & bond market recovery, along with current status of the economy. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1687795803136-20VTLBY0GGXMPJACCYBQ/image-asset.jpeg Videos - ADK Debt Ceiling Update June 2023 Check out Dan's quick update on debt ceiling resolutions and market response regarding the subject. Markets have responded favorably, and this is a non-event at this point in time. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1683316236642-MO6UPNA2Y723AR5SJL7D/image-asset.jpeg Videos - ADK Market Update May 2023 Check out Dan's latest market update video where he outlines follow-up on our previous commentary and discusses potential market recovery. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1678982143195-U05LNV3FIKKX83OF3YG5/image-asset.jpeg Videos - ADK Market Update March 2023 The markets are spooked by the recent banking news. Watch our March 2023 Market Update and read LPL Research Team's blog for our opinions. LPL Research Team's blog: https://lplresearch.com/2023/03/16/update-on-credit-suisse-situation/ https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1673623070959-WB2JF6NGNPDQCB51R59J/image-asset.jpeg Videos - ADK Market Update 2023 Q1 Check out Dan's latest market update video where he outlines our strategic investment planning approach and future market scenarios. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1673623624501-PBNCZPRE8K8FUGCADG6Y/image-asset.jpeg Videos - ADK 2022 Midterm Elections Recap We now know Democrats control the Senate and Republicans the House. What does this mean to the markets? https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1673624006961-D494CRKIS1BCTUS76ETK/image-asset.jpeg Videos - ADK Market Update 2022 Q4 Check out Dan's latest market update video where he shares insight on the journey through the economic cycle and tactics to combat rising risks of recession. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1656002925276-8H0S23VXDN9OARAQD6NS/image-asset.png Videos - ADK Significant Macrotrends in Technology https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1654282118634-29NA7ZKKUHSG58NYL0LZ/image-asset.png Videos - ADK- Q2 Market Update 2022 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1646260565532-BKX1U4W8PULTBMVVOAIX/image-asset.png Videos - ADK Market Update 2022 Q1 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1640724066866-MZ72IN0C4RLEWML1WJFN/image-asset.jpeg Videos - ADK Q4 Market Update 2021 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1636659585627-QJNZ9W7JK7DBP83IOJC7/image-asset.jpeg Videos - What is China Thinking? https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1632845406697-P91CU97O8LZQOA9Q4A6A/image-asset.png Videos - Market Update 2021 Q3 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1624719540458-D7A0KXBCCOTFT98WIT5I/image-asset.jpeg Videos - ADK Market Update 2021 Q2 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1618420571522-ITU17WLN4XVIYNAX4WI1/image-asset.jpeg Videos - Market Update April 2021 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1609430784187-OIRKG1V1HZQ28EXCDOIN/image-asset.jpeg Videos - Coronavirus, Inflation, and IPOs https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1607723096987-X1DUIZJZV5PD8EW6XX7E/image-asset.jpeg Videos - December 2020 Market Update https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1604943789244-PF9FJFSEE5HDBCUSH1GH/image-asset.jpeg Videos - post election market update 2020 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1601314270351-73KZHI1HUWSAVI0WA47E/image-asset.jpeg Videos - Financial Markets and 2020 Election https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1599252076895-O9U7HA6NSBROZFAQ2R9G/image-asset.jpeg Videos - Stimulus vs Virus & Election Risk https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1586457689670-PEOZK59QCOG8EFRXDYDO/image-asset.jpeg Videos - Covid 19 Bear Market https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1594266516738-JB47UOT0OAL3FH79HDSF/image-asset.jpeg Videos - Market Update Q2 June 2020 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1590615290749-0X2WRS53O2D4QGWD592B/image-asset.jpeg Videos - Structural Bear Markets https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1590159244770-4JUDN98AD2OHHEH0X9ZZ/image-asset.jpeg Videos - Market Update Q2 2020 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1553616870475-ZHZ2Z0QY220XUYXNOLF1/image-asset.jpeg Videos - Anatomy of a Recession https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479239124983-W3NPHA2HZMMJ6QT6O03X/image-asset.jpeg Videos - China Outlook https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1579208854505-37HOVOPI8CB0PAKMGT29/image-asset.jpeg Videos - Market Update Q1 2020 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1556235598363-L5R2I4KRCMC86RI1UHLV/vlcsnap-2019-04-25-18h39m20s281.png Videos - ADK Medicare Video https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1564610360020-J21LM8GMIIL7ST2EC1K2/image-asset.jpeg Videos - Market Update 2019 Q2 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1551991486935-VZTU6DB0XAR4THRK6PBS/image-asset.jpeg Videos - MARKET UPDATE 2019 Q1 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1544716058881-D6KI73PADQFKNOCZ4Z74/image-asset.jpeg Videos - Market Update Q4 2018 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1539022021724-45NXWO9A4JOU3I238OLR/image-asset.jpeg Videos - Market Update Q3 2018 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1532975727694-Z84HMVFJ6SGXZBQFOQBC/image-asset.jpeg Videos - LPL Midyear Outlook 2018 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1527783491712-VQ0KHHFU9UNMX302ZST2/image-asset.jpeg Videos - Market Update 2018 Q2 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1578673901659-UL5E34JSPCFIIBTIE1BM/image-asset.jpeg Videos - Market Update 2020 Q1 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1521839856566-W3T501E7Q6NUZT3LLG2P/image-asset.jpeg Videos - Market Update 2018 Q1 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1519843548565-ZXMQ4SCHHNRYY9AT7IHL/image-asset.jpeg Videos - Investment Fiduciary https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1527783325347-TZ566DO3CWONS29M0WEP/image-asset.jpeg Videos - New Tax Laws 2018 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1515795079794-6QHD7KYG1T1O61QI39DL/image-asset.jpeg Videos - Market Update 2017-2018 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1514562461371-A408ZPFB5R87PT7Z52VE/image-asset.jpeg Videos - Outlook 2018 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1511196549609-HP8Z6E8GWNJXESU0JXPD/image-asset.jpeg Videos - Dan Davis's Updates Q3 2017 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1499369408470-20H86C1WQ31HQ1RLCNN3/image-asset.jpeg Videos - Dan Davis's Update Q2 2017 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1490799908514-FFEG5UDTCZH8WKNKD7YI/image-asset.jpeg Videos - 2016 and 2017 Review https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1492012448158-7MZ1EH8RYOJ3K7ADVO1D/image-asset.jpeg Videos - 2017 Q1 Read LPL's Recession Watch paper here. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1475778152683-FD7UF918MHWGDE7U9SYA/image-asset.jpeg Videos - 2016 Q3 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1475776315073-IKCBGRFDOVFKDMM00VBN/image-asset.jpeg Videos - 2016 Q2 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1475778213152-0WI3R8AMLRLP9057OM0T/image-asset.jpeg Videos - 2016 Q1 https://static1.squarespace.com/static/57f66d95e4fcb5154dc8c52d/57f6797d725e25b359bacf5d/57f6798ed2b857de53f5d0cf/1722975644323/ Videos https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1475778267803-QOSRPLC3WU0VK8FX9AUA/image-asset.jpeg Videos - 2015 Q4 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479238173672-IOTLWGOHBFJOQWIYUA0U/image-asset.jpeg Videos - Financial Planning https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479238243640-YSQS92HM0I1WDT9EHDE0/image-asset.jpeg Videos - 2015 Q1 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479238529633-ZONXAR0NTNTQWBP0ZHTK/image-asset.jpeg Videos - Long Term Care https://static1.squarespace.com/static/57f66d95e4fcb5154dc8c52d/57f6797d725e25b359bacf5d/58ee4da08c6035ca682ed42d/1722975644328/ Videos - 2017 Q1 Download Recession Watch paper here. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479238563676-7WTM03A81NL3Z3EW6717/image-asset.jpeg Videos - 2014 Q4 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479238877316-SMFFZDYAZXQAPTGKTH3A/image-asset.jpeg Videos - Pensions & PBGC https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1499369300105-JH1U911XJKKQ567H1LES/image-asset.jpeg Videos - Dan Davis's Update Q2 2017 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479238891599-12WLTXAN6CA28QRY4M5U/image-asset.jpeg Videos - 2014 Q3 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479238948556-TYKH5AAKLTCCC6GMPMIA/image-asset.jpeg Videos - 2014 Q2 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1538771449837-BRQZ69K5I7Y2FCR0HAXP/image-asset.jpeg Videos - Market Update Q3 2018 https://static1.squarespace.com/static/57f66d95e4fcb5154dc8c52d/57f6797d725e25b359bacf5d/57f68f0c2109d31988087508/1722975644338/ Videos - Dan Davis's Update Q3 2016 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479239017851-ETHP5064J6J69HPQ6PLM/image-asset.jpeg Videos - 2014 Q1 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479239091275-RK6E278GU9QK2R31AVWA/image-asset.jpeg Videos - 2013 Q2 https://static1.squarespace.com/static/57f66d95e4fcb5154dc8c52d/57f6797d725e25b359bacf5d/57f696675a655b30882168c2/1722975644341/ Videos - 2016 Q3 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479239043571-SSRRZ5L24SA42FXX5OPE/image-asset.jpeg Videos - 2013 Q3 https://static1.squarespace.com/static/57f66d95e4fcb5154dc8c52d/57f6797d725e25b359bacf5d/5cc244966e9a7f41ff893b5b/1758908045876/ Videos - ADK Medicare Video https://static1.squarespace.com/static/57f66d95e4fcb5154dc8c52d/57f6797d725e25b359bacf5d/595e8f54e48aee5d6a1bf986/1722975644343/ Videos - Dan Davis's Update Q2 2017 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1482532436011-J1IU62XM91XCP5F2A3PS/image-asset.jpeg Videos - 2016 and 2017 Review https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1515788969975-HL3Z5WGYHL95XOKQ77RP/image-asset.jpeg Videos - Fiduciary Standard https://static1.squarespace.com/static/57f66d95e4fcb5154dc8c52d/57f6797d725e25b359bacf5d/5ab4007228bbc1203da18b65/1722975644349/ Videos - New Tax Laws 2018 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1515794898841-UZSD3M8I4WD1EMXN94QM/image-asset.jpeg Videos - Market Update 2018 Q1 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1532975667594-VO3NF1KWS6XSQ47RCEEO/image-asset.jpeg Videos - LPL Midyear Outlook 2018 https://www.discoverindependence.com/team daily 0.75 2026-02-13 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479324888192-Q45SQXHIOF0IHRM34SPI/ADK-5.jpg Team Member Gallery https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1663956870220-4CFCGAXA7HNNI78HA0EB/image-asset.jpeg Team Member Gallery - Dan Davis, CFP®</sup> Dan Davis is ADK Wealth Advisory Group’s Co-founder & President. His financial planning career began in 1988 after graduating from Drake University with a finance degree. He completed the CFP® in 1997. Sam Miller, Rich Kurowski, Justin Dickerson, Scottie Kenley and Jenna Carr are key team members. Dan is a past St Louis FPA President. Dan and Tori Davis have 9 children. Dan is involved with The City Table Community ministry and The Kingdom House Church. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1475776918796-43ZWEN53EXVHPC26OEFE/ADK-9.jpg Team Member Gallery - Cory Kraft, CFP^® Cory Kraft is a co-founder and principal of ADK Wealth Advisory Group. Cory has a degree in Public Adminsitration from Drake University. He completed the CFP® in 1997. He is assisted by Donald Vaught and Drew Black. Cory and his wife, Felice, have four children. Cory is an instrument certified pilot. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1676399330165-AQYA5AC780QG7O9M8KR9/Cory.jpg Team Member Gallery - Cory Kraft, CFP®</sup> Cory Kraft is a co-founder and principal of ADK Wealth Advisory Group. Cory has a degree in Public Adminsitration from Drake University. He completed the CFP® in 1997. He is assisted by Donald Vaught and Drew Black. Cory has four children. Cory is an instrument certified pilot. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1578669004202-YFIPGZG9PMJP3X8JRS2N/ADK-15.jpg Team Member Gallery - Donald Vaught Donald Vaught joined ADK Wealth Advisory Group in 2004 straight from graduate school where he studied mathematical finance at the University of Missouri -- Columbia. Besides his duties with client service, Don heads up the firm's research and technology operations. Don has three children. In his spare time, Don is a voracious reader and board game enthusiast. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1676398080400-RZJ9VVIIKP0TG1NTGCPN/ADK-25.jpg Team Member Gallery - Sam Miller Sam joined ADK Wealth Advisory Group in 2006. He graduated from the University of Missouri with a degree in Personal Financial Planning. Besides his role as a Financial Planner, he is also the firm's Compliance Associate. Sam is a past president of the Greater St. Louis chapter of the Financial Planning Association (FPA). https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1518035531591-MPMHJOFO468VAL6KMADG/IMG_1207.jpg Team Member Gallery - Rich Kurowski, CFP^® Rich Kurowski joined ADK Wealth Advisory Group in 2011 as a Client Service Associate. He received his MBA degree from Southern Illinois University - Edwardsville. Rich and his wife Marsha have two daughters. He is active in the St. Louis Financial Planner’s Association and also volunteers with Catholic Charities of Southern Illinois. In his spare time, he enjoys golf and family activities. Rich is a fan of college basketball in the winter and Cardinals baseball in the summer. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1475853532733-GFK37DYHK2MJILNE5XHL/ADK-23.jpg Team Member Gallery - Drew Black Drew Black joined ADK in 2008 as a Client Service Associate. Drew attended the University of Missouri -- Columbia and has his degree in Personal Financial Management. Drew assists everyone in the office. In his spare time, Drew is an outdoors sports and bicycling enthusiast. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1664208076004-BQDSV7D3YXM7A684GO3M/Justin.jpg Team Member Gallery - Justin Dickerson Justin graduated from Lawrence University in Appleton, WI with a bachelor’s degree in Economics and a concentration in Innovation & Entrepreneurship. As an Investment Service Specialist, he provides assistance and support in every way possible—from completing forms and compiling information, to communicating with clients, to scheduling meetings and events. Read More https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1663956712967-S9JB1SAWOWIQRQ02KE1O/image-asset.jpeg Team Member Gallery - Scottie Kenley Scottie Kenley joined ADK Wealth Advisory Group in 2022 as a Client Service Associate. Scottie graduated from the University of Tennessee – Knoxville with a degree in Business Analytics. He works in step with Dan, Sam, and Justin to provide exceptional service to our clients. Outside of work, Scottie enjoys sports such as football, basketball, and Formula 1, as well as spending time with his wife Morgan. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1770996003081-PGFYLT3F8SGS8BSW3JS3/image-asset.jpeg Team Member Gallery - Jenna Carr Jenna Carr joined ADK Wealth Advisory Group in August 2025 as an administrative assistant. She brings four years of experience as an administrative professional, providing organizational support and helping the team ensure smooth day-to-day operations. Jenna was born and raised in St. Louis, Missouri. Outside of work, she enjoys reading and training in jiu jitsu. https://www.discoverindependence.com/services daily 0.75 2024-08-06 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1676402438389-TWZO7HWGO0HIR61AWYAZ/image-asset.jpeg Services - Wealth Management Your investment management decisions are driven by your needs and goals, not our desire to sell products. Once we have a working plan, we will tailor your investments to meet your needs. Unlike many financial advisors, our team's background is in finance, not sales. We combine cutting edge mathematics and technology with analysis to choose from some of the premier money managers. Our philosophy focuses on reducing risk through true diversification including alternative investments. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1676402438389-TWZO7HWGO0HIR61AWYAZ/image-asset.jpeg Services - Wealth Management Your investment management decisions are driven by your needs and goals, not our desire to sell products. Once we have a working plan, we will tailor your investments to meet your needs. Unlike many financial advisors, our team's background is in finance, not sales. We combine cutting edge mathematics and technology with analysis to choose from some of the premier money managers. Our philosophy focuses on reducing risk through true diversification including alternative investments. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1475851142157-ZD4TO9BP0NK557T394XG/investing.jpg Services - Wealth Management Your investment management decisions are driven by your needs and goals.. Once we have a working plan, we will tailor your investments to meet your needs. Unlike many financial advisors, our team's background is in finance, not sales. We combine cutting edge mathematics and technology with analysis to choose from some of the premier money managers. Our philosophy focuses on reducing risk through true diversification including alternative investments. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1475851183744-4FT0CA5MCUHO9I16YR31/retirement.jpg Services - Retirement Planning Retirement is a serious life event. Like all of life's most important decisions, we should attempt to fully understand our situation, our objectives, and our options before we begin to make real choices. Then, we need real advice that can help implement that plan. Investors have been through a whirlwind over the last few years, which brings home the need for real diversification. Nevertheless, we often find that the critical decision was not just how to invest, but could be when to retire or how to save. Without knowing the questions, it is difficult to know the answers. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1475851219318-TQ0CZKT655LW1I02R220/taxes.jpg Services - Tax Planning We can help you develop strategies to minimize your tax exposure during all phases of your life. Many people overlook relatively simple strategies to reduce their overall risk of taxation. Our modelling can help you reduce your tax exposure today while planning for tomorrow. We frequently work with CPAs and other tax professionals to make sure the advice you receive from all of your advisors is compatible and working in your best interest. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1475851249697-FF5BZ4GBY30TBT2KKOEZ/estateplanning.jpg Services - Estate Planning ADK can help you develop customized strategies to help pass on your assets when you decease. Detailed planning is often crucial to truly understand your needs and your options. We will work with your attorney to draft a plan tailored to your desires. While many of us focus only on today, planning our legacy is not to be overlooked. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479324585756-A4VMNM12IOBVBBX7ZPDT/nursing-home-sales.jpg Services - Protection Planning We integrate your protection strategy into the rest of your financial plan. We can discuss various life insurance strategies and compare the various costs and benefits. We can review your property and casualty insurance to make sure you are appropriately covered. We also provide Long Term Care insurance for later in life. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479325147973-44JY25SQ4ZMBTED2N1AY/college.jpg Services - Planning for Major Life Events We also plan around other special situations. We are adept at dealing with needs for education. We have experience with families with special needs members. We have several entrepreneurs and small business owners as clients. Your needs are as unique as you are, and we want to help. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479324530677-XKNKMC39KPN4MMIFYGE8/nursing-home-sales.jpg Services - Protection Planning We integrate your protection strategy into the rest of your financial plan. We can discuss various life insurance strategies and compare the various costs and benefits. We can review your property and casualty insurance to make sure you are appropriately covered. We also provide Long Term Care insurance for later in life. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1479325088240-429HVM0DVRF8MPMR52TJ/college.jpg Services - Planning for Major Life Events We also plan around other special situations. We are adept at dealing with needs for education. We have experience with families with special needs members. We have several entrepreneurs and small business owners as clients. Your needs are as unique as you are, and we want to help. https://www.discoverindependence.com/videos-for-our-services daily 0.75 2021-06-08 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1623190253607-KAZXO37MYWZPAIFS9QD9/image-asset.jpeg Videos for our services - WEALTH MANAGEMENT Your investment mangement decisions are driven by your needs and goals, not our desire to sell products. Once we have a working plan, we will tailor your investments to meet your needs. Unlike many financial advisors, our team's background is in finance, not sales. We combine cutting edge mathematics and technology with analysis to choose from some of the premier money managers. Our philosophy focuses on reducing risk through true diversification including alternative investments. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1623190253607-KAZXO37MYWZPAIFS9QD9/image-asset.jpeg Videos for our services - WEALTH MANAGEMENT Your investment mangement decisions are driven by your needs and goals, not our desire to sell products. Once we have a working plan, we will tailor your investments to meet your needs. Unlike many financial advisors, our team's background is in finance, not sales. We combine cutting edge mathematics and technology with analysis to choose from some of the premier money managers. Our philosophy focuses on reducing risk through true diversification including alternative investments. https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1623190253592-0TY9570I8HNFLDIGN4KG/image-asset.octet-stream Videos for our services https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1623190348110-M3M5QNRBIJLNIRODNNYQ/image-asset.jpeg Videos for our services - Retirement Planning Retirement is a serious life event. Like all of life's most important decisions, we should attempt to fully understand our situation, our objectives, and our options before we begin to make real choices. Then, we need real advice that can help implement that plan. Investors have been through a whirlwind over the last few years, which brings home the need for real diversification. Nevertheless, we often find that the critical decision was not just how to invest, but could be when to retire or how to save. Without knowing the questions, it is difficult to know the answers. https://www.discoverindependence.com/danphoto2019 daily 0.75 2019-03-07 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1551976466185-CKAE3V9YC13Q1JWCZPT4/dan20190307.jpg DanPhoto2019 https://www.discoverindependence.com/anatomy-of-a-recession daily 0.75 2019-03-26 https://www.discoverindependence.com/independent-and-at-home daily 0.75 2019-10-04 https://www.discoverindependence.com/socialsecuritymedicare daily 0.75 2019-10-04 https://www.discoverindependence.com/outlook2020 daily 0.75 2019-12-13 https://www.discoverindependence.com/fp-video-interface daily 0.75 2021-06-15 https://www.discoverindependence.com/justin daily 0.75 2022-09-26 https://images.squarespace-cdn.com/content/v1/57f66d95e4fcb5154dc8c52d/1632152148209-F6Q6JWB2M08F5AVP2GBM/Justin.jpg Justin - Justin Dickerson Justin graduated from Lawrence University in Appleton, WI with a bachelor’s degree in Economics and a concentration in Innovation & Entrepreneurship. As an Investment Service Specialist, he provides assistance and support in every way possible—from completing forms and compiling information, to communicating with clients, to scheduling meetings and events. Justin really enjoys the idea of integrating happiness and other aspects of life into the planning of one’s financial success. He likes meeting new people and expanding his professional network, as well as helping to strengthen the relationships that ADK has already established. He strives to provide the best assistance possible as he grows and learns more about the integral approach to financial advising. As one of the newer members of the ADK team, Justin is eager to increase his financial experience and abilities, and he plans to eventually further his education in business school. He is inspired to continuously learn while also helping others improve their financial stability. Outside of work, Justin enjoys spending free time with his fiancée and his dogs, researching advancing techniques in personal computing, and reading high fantasy novels. https://www.discoverindependence.com/live-horizon daily 0.75 2023-02-14 https://images.squarespace-cdn.com/content/v1/53fe025fe4b09b99036bcf87/1412382515167-NYTYRFP4MI9A3XNUUR27/EbruYildiz_372.jpg Live