Why Most Advisors Ignore Options and Why That’s Costing You
February 17, 2026
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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.
You’ve built a remarkable career. Your income reflects that. Perhaps you’ve exited a business, built a strong medical practice, or earned your place at the top of your firm. You own real estate, contribute to investments, and have no shortage of financial activity. And yet cashflow still feels… murky. Inconsistent. Harder to pin down than it should be. If you’ve ever caught yourself thinking, “I make seven figures why doesn’t it feel like I’m getting ahead faster?” you’re not alone. And you’re not missing something obvious. You’ve simply outgrown a basic financial model. At Full Suite Wealth, we serve physicians, executives, and entrepreneurs who’ve mastered the earning side of the equation. What they need next is a coordinated strategy to manage, preserve, and deploy wealth with precision. Here’s why even high income doesn’t always translate to financial clarity—and what a more integrated structure can do to change that. More Income, More Complexity By the time clients reach us, their financial picture includes far more than a single paycheck. Income arrives from multiple directions: W-2 salary from a primary role K-1 distributions from private business interests Real estate rental income Dividend and interest earnings Capital gains from strategic sales Trust or estate distributions Each income stream comes with its own timeline, tax implications, and planning considerations. Without coordination, it’s easy to lose visibility into what’s actually available and when. That’s not just inconvenient. It’s inefficient. You’re Building Net Worth, Not Liquidity Clients at this level often find themselves “asset rich, cash poor.” They’ve made the right long-term moves investing in real estate, funding retirement accounts, growing a business but without an intentional liquidity strategy, those assets don’t easily translate into usable income. A strong balance sheet doesn’t automatically support the life you’ve built. Strategic liquidity planning bridges that gap converting investment success into sustainable, flexible cashflow without compromising long-term growth. Taxes Are Quietly Undermining Progress High earners face some of the most complex tax scenarios. Without proactive tax-aware planning, even strong portfolios can underperform after taxes take their cut. Income doesn’t just need to arrive. It needs to arrive in the right way at the right time, from the right source, and with the right strategy behind it. Full Suite’s integrated model ensures tax efficiency is engineered into your cashflow, not tacked on as an afterthought. Lifestyle Expansion Is Subtle but Significant You didn’t “overspend.” You scaled responsibly, thoughtfully, and in line with your success. Still, higher education costs, multigenerational support, travel, charitable giving, and private investments all require capital. Over time, these add up, and without a system, lifestyle and legacy can find themselves competing for resources. We help our clients avoid false tradeoffs. A properly structured plan can support both. Most Advisors Don’t Do This Work The truth is, most advisors aren’t equipped to design cashflow systems for seven- or eight-figure complexity. They’re trained to diversify, not distribute. To allocate, not engineer outcomes. At Full Suite Wealth, we operate differently. Our advisory team builds coordinated strategies that: Integrate legal, tax, and investment planning Convert portfolio assets into consistent income using options strategies Optimize the timing and source of distributions Preserve liquidity without compromising growth We don’t just explain how your cashflow works we reimagine it so it works better. Clarity Doesn’t Come from More Accounts, It Comes from One Unified Plan You’ve earned the income. You’ve made the investments. What’s missing isn’t effort or intelligence it’s structure. When cashflow feels unpredictable, the solution isn’t a new product. It’s a new perspective. And often, a new kind of partner. At Full Suite Wealth, we bring legal, trust, and wealth management into one integrated conversation because the life you’ve built deserves more than fragmented advice. If you're ready for your financial life to feel as aligned as your professional one, let’s talk.