Is Your Advisor Keeping Up? 7 Signs You’ve Outgrown Your Wealth Manager
December 18, 2025
7 Signs You’ve Outgrown Your Wealth Manager
You’ve built a strong career, grown a sizable investment portfolio, and maybe even added real estate or a business to your financial mix. But lately, your wealth manager
seems... behind. Like they’re stuck in the same playbook they used when your net worth was half what it is now.
If you’re wondering whether your advisor is still the right fit, you’re not alone. At Full Suite Wealth, many of our clients came to us after realizing they’d outgrown the cookie-cutter advice of traditional firms. Here are 7 clear signs it might be time to upgrade your financial team.
1. Your Strategy Hasn’t Changed in Years
Markets evolve. Tax laws change. Your life does too. But if your advisor is still recommending the same mutual funds and 60/40 allocations from a decade ago, that’s a red flag. Sophisticated investors deserve dynamic, forward-thinking strategies.
2. They Don’t Offer Tax-Efficient Income Strategies
Are you generating income through your portfolio or just hoping for appreciation? At Full Suite Wealth, we use tools like options trading to create monthly income while managing tax exposure. If your advisor can’t do that, you’re likely leaving money on the table.
3. They Outsource Everything - and Add No Value
Too many advisors act as middlemen. They “manage” your assets by farming them out to third parties, layering on fees without adding real value. If your advisor isn’t building strategies in-house or offering integrated legal and estate planning services, ask what you’re really paying for.
4. They Avoid Complexity - Because They Don’t Understand It
You’ve achieved success by navigating complexity; in medicine, law, business. You don’t need oversimplified answers; you need a partner who can speak your language. If your advisor avoids topics like options, trusts, or business succession, they’re not equipped for your level of wealth.
5. They Never Talk About Legacy Planning
Growing your assets is only half the equation. Protecting them and passing them down efficiently is just as important. Your advisor should be proactively guiding you through trusts, estate strategies, and legal structuring
not waiting for you to bring it up.
6. You Hear From Them... Occasionally
We hear it all the time: “I only hear from my advisor once a year.” That might work when you’re just starting out, but when you’ve got $2M+ on the line, you deserve proactive communication, custom reporting, and a relationship that feels personal, not transactional.
7. You’re Paying Premium Fees for Basic Advice
If your advisor’s fees are adding up to five or six figures annually, but their advice could be found on a generic financial blog, it’s time to reconsider. At Full Suite Wealth, we often generate more income for clients in 2–3 months than they pay us for the entire year. That’s what value looks like.
Wealth Deserves Sophistication
You wouldn’t take your high-performance car to a basic auto shop. So why trust your complex financial life to a generalist?
If you’ve grown, evolved, and built a meaningful net worth, your advisor should keep pace. And if they haven’t?
It’s time to explore what’s possible when you work with a firm that brings legal, financial, and income strategies together under one roof.
Ready for more than cookie-cutter advice?
Let’s have a real conversation about where you are and where you could be.
When I talk to traditional financial advisors about how we manage money at Full Suite Wealth, I usually get a familiar reaction. We’ll mention that we use a diversified approach, sometimes even a concentrated one when we’ve got high-conviction ideas. Then I’ll explain how we incorporate options into client portfolios, not as speculation, but as strategy. That’s when the eye roll shows up. And honestly? It’s usually not skepticism. It’s ignorance. The Problem With Most “Advisors” In this industry, there’s a difference between managing money and collecting it. Most advisors I come across aren’t actually managing anything. They talk a big game, they talk to individuals, their clients, say this and say that, but they really don't know how to manage money at all. What they’re good at is bringing assets into the firm, handing those assets off to a portfolio manager they’ve never met, and then going back out to find the next client. They repeat that cycle over and over. All they are, is a person that gathers assets, moves the assets in, and goes and finds the next client. That’s not financial strategy. That’s sales. And you, as the client, are often paying for a title — advisor — without actually getting advice. When I start talking about options with other advisors, the conversation usually ends quickly. Not because options are too complicated. But because they’ve never taken the time to understand them. The truth is, options can be a better, more capital-efficient, and more risk-aware way to achieve the same investment goals. But most advisors won’t go there because they don’t know how. How many times do these financial advisors buy something, and there's a cheaper, easier, and less capital-intensive way of doing so? I’ve seen advisors buy ETFs or individual stocks for income or exposure that could’ve been done more intelligently through options, with better risk mitigation and better outcomes. That’s not opinion. That’s math. Options Are Not Everything. But They’re Something. I’m not saying options are the holy grail. They’re not. Options aren't the end-all, be-all, but it is one great tool that you can use as part of your portfolio. What I’m saying is this: if your advisor isn’t even considering them, you should be asking why. If your advisor doesn't use options in your portfolio, then they're missing out on a great opportunity to increase your income, hedge your risks, and enhance your return. You’ve worked hard for your capital. The least your advisor should do is explore every tool available to protect it and grow it. At Full Suite Wealth, we don’t shy away from the complex. We don’t pass you off. We sit down, we explain it, and we manage it ourselves. That’s what real advisory work looks like.
Let me say this upfront: using options in your portfolio doesn’t mean taking on more risk. In fact, if it’s done properly, it means taking on less. I get asked all the time, “How do you balance the desire for enhanced income with the need for risk management in your option strategies?” Here’s the answer I give clients every week, because it’s at the heart of how we manage money at Full Suite Wealth. We Hedge and Earn at the Same Time When I use option strategies to generate income, I’m not speculating. I’m hedging your downside and boosting your income at the same time. When we use enhanced income strategies using options in portfolios, what we actually do is we're hedging the portfolio to the downside while taking in current income. That doesn't make your portfolio any riskier than it already is. In fact, it lessens the total risk that you're taking on in the market. Simply put, we rent your portfolio to the market. You still own the assets. You just get paid to let someone else use them for a bit within clear guardrails. Making Money in All Market Conditions The goal is not just to survive volatility, it’s to benefit from it. We benefit from the market going up and we also benefit from the market going down. And if we can make money in markets in three different ways, up, down, or sideways that’s true risk management. That is protecting your assets and growing them over time. This isn’t about gambling on direction. It’s about designing a portfolio that makes progress no matter what the market decides to do. That's the real strategy. That’s why our firm exists. A Smoother Ride Matters You might not realize how much risk you’re taking if your portfolio is bouncing around like a rollercoaster. Our goal is to smooth that ride. We do have clients who want aggressive upside, and we have portfolios for that. But most of our clients want predictability, income, and peace of mind. They want to feel like someone is actually managing their wealth daily, actively, with a plan. We also have portfolios that almost go perfectly up right to left with just a little bit of a swiggle. What is that? That's called risk management. That's what we do. That “little bit of a swiggle”? That’s life. But your money shouldn’t feel like chaos. This Is What We Do I’m not interested in cookie-cutter advice. I started Full Suite Wealth because most people in this industry aren’t doing enough for clients. We bring something different: real integration, real strategy, and real income. A market that goes up, we can make money. A market that goes down, we can make money. And a market that goes sideways, we can make money by using our option strategies. This isn’t theory. It’s what I do for real clients, every day. And it’s not just options, we’re a family office-style firm that brings together investment management, estate planning, legal strategy, and trustee services, all under one roof. If you’ve been wondering whether your portfolio is truly working for you, or if you could be generating income without adding more exposure, we should talk.