Market on Edge: My $28 SoFi Setup and Mike’s $200K Win

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Hey Options Trader,

This week brings volatility, opportunity, and a big test for the market’s resilience. Between Meta’s disappointing earnings, Amazon’s report tomorrow, and Jerome Powell’s latest comments, things could swing either way and fast. Here’s how I’m preparing.

Here’s what we are covering:

1. My cautious market outlook heading into major earnings

2. Client Spotlight: Mike’s $200K retirement success story

3. The safe SoFi trade paying 3.8% in 30 days

4. Bonus Resource: My full earnings breakdown and portfolio game plan

Market Snapshot

Right now, I’m leaning cautious. Market makers are expecting a sizable move in $QQQ ( ▲ 0.97% ) within the next two weeks, either up to 653 or down to 613, which is where we gapped up from on October 23.

If the market reacts poorly to Meta’s earnings and Amazon doesn’t impress tomorrow, we could see that pullback play out quickly. The Fed did cut rates by a quarter point today, but Powell said they aren’t expecting another cut in December. Before today, the market was pricing in a 99% chance of a December cut. That probability dropped to 67%, with a 99% chance now set for January instead.

So while cuts are still coming, the delay adds short-term uncertainty. Inflation remains slightly above target at 3%, and the Fed clearly wants to see it lower before cutting again.

$VIX ( ▼ 2.78% ) is sitting at 16.9, not elevated, but not complacent either. If it spikes above 20, I’ll be ready to deploy more capital. Right now, my focus is on that 613 support area on QQQ, roughly 3.5% below current levels. I’m not expecting a major breakdown, but a quick 3–5% dip is likely healthy before the next leg up.

Client Spotlight

This week’s spotlight is on our client Mike, a retired dentist who joined us earlier this year. Mike ran his practice successfully for years and wanted to generate consistent income in retirement without taking big risks.

In just a few months, he’s up over $200,000 using our strategies. He trades calmly, methodically, and keeps his portfolio structured around safe cash-secured puts and covered calls.

We also had a few incredible community wins this week, Justin just posted a $22,400 month for October, another record for our clients in OTU.

Free Trade of the Week

Ticker: $SOFI ( ▲ 1.1% )  
Strategy: Sell Cash-Secured Put
Expiration: November 28 (30 days)
Strike: 28
Premium Collected: $100
ROI: 3.82% (Compounded Annualized Return: 55%)

SoFi reported strong earnings, but the stock pulled back slightly after topping out near $32. I like this trade here, selling the 28-strike puts gives you room to the downside, solid premium, and exposure to one of the best-positioned financial growth companies in the market.

SoFi continues to benefit from tailwinds such as falling interest rates and the potential $1.6 trillion student loan portfolio acquisition from the government. Long-term, this is one of the few fintechs I consider a conviction hold.

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Bonus Video

In my newest YouTube video, I break down Meta’s earnings disaster, Microsoft and Google’s strong results, and how I’m adjusting my portfolio heading into the next two weeks. I also share my exact game plan for what I’ll do if we see a short-term correction.

The best traders don’t predict, they prepare.

Talk soon,

Ryan