IMPORTANT DISCLOSURES, DISCLAIMERS, AND WAIVERS
Lido Advisors, LLC’s (“Lido”) communications, including, but not limited to, emails, attachments to emails, hard-copy correspondence, and Lido’s and third-party marketing (“Information”) must be reviewed in conjunction with the following important disclosures, disclaimers, and waivers.
We are an independent investment adviser: Lido Advisors, LLC (“Lido”) is an investment adviser registered with the Securities and Exchange Commission (“SEC”) that provides investment advice to our clients. Our registration does not denote any competence or ability and no inference to the contrary should be made. We encourage you to review our Form ADV filings, Form CRS, Part 1A, Part 2A, and Part 2B (collectively, “Regulatory Filings”), for information concerning our services, fees, and potential or actual conflicts, available at adviserinfo.sec.gov.
The future is uncertain and cannot be predicted: Any Information relating to financial information, including, but not limited to Lido’s services, investments, strategies, products, is for illustrative purposes only and must not be construed as investment advice or an offer to buy or sell securities. Lido has made reasonable efforts to ascertain the validity of this Information, whether derived here or through third parties. You must, however, independently verify this Information. We have also made reasonable efforts to provide performance information net of Lido’s fees and accounting for third-party fees as applicable and required by law or regulation. Please note that not all third-party fees are included in performance information, including, but not limited to, certain third-party fees such as custodial, trading, or other transactional fees.
We provide tailored investment advice specific to clients’ financial situation and risk tolerance, among other factors: Our investments, strategies, or products are not suitable for all clients. We take reasonable measures to ascertain your specific financial needs and objectives. You cannot assume that Lido’s strategies, products, or investments will be profitable or that you will not suffer any losses. You should expect that depending on market conditions and volatility, our management of your assets will fluctuate in value, at times dramatically to profit or loss. Importantly, all investments involve the potential risk of complete loss, including your originally invested principal.
We do not typically serve non-U.S. residents: Lido or its affiliates do not as a matter of course provide investment advisory services, strategies, or products to any individual or entity that is not domiciled in the U.S. As such, Lido makes no representation as to the Information’s adherence to or compliance with any non-U.S. laws, regulations, or regulations.
Lido is not a licensed legal service provider: Any Information relating to trusts, estates, or tax is not and should not be construed as legal advice. We have affiliated licensed professionals, including, but not limited to, trust and estate lawyers and Lido Tax, LLC, that provide legal and tax-related services that will engage directly with you to provide such services. These affiliated professionals have actual, material conflicts of interest that you should discuss with Lido or these service providers directly. We seek to disclose such conflicts prior to you working with our affiliated service providers. You are under no obligation to work with these professionals. In all cases, you should consult with licensed service providers that represent you to advise to on these issues.
Lido may identify its affiliates or third parties to provide services that are supplemental to our advisory services: We will, from time to time and when appropriate to do so, identify certain affiliated or non-affiliated entities or individuals to perform non-advisory services relating to, tax, trust, estate, financial planning, insurance, or securities-related transactions. Lido will seek to identify all material conflicts of interest relating to these affiliated or non-affiliated services through separate disclosures or our Regulatory Filings. You should conduct your own due diligence and seek the advice of your independent advisors in evaluating these services. You are of course under no obligation to engage any of these services.
Finally, Lido neither seeks to or otherwise disclaim or ask that you waive any right or claim that you may possess pursuant to the applicable laws or regulations governing investment advisers registered with the SEC.
RATINGS, RANKINGS AND AWARDS
Ratings, rankings and awards shown herein may not be indicative of Lido’s investment performance, or any future investment performance or accomplishments. Lido has sourced these ratings, rankings and awards from third party providers. Lido has not solicited or paid for any of these ratings, rankings and awards. However, Lido does pay for licensing rights to use associated logos, badges, and ranking references in its marketing materials. The rating, ranking or award may not be representative of any client’s individual experience.
The Forbes America’s Top RIA Firms, developed by SHOOK Research, is based on an algorithm of qualitative criterion, mostly gained through telephone, virtual and in-person due diligence interviews, and quantitative data. The algorithm weighs factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices and approach to working with clients. Portfolio performance is not a criterion due to varying client objectives and lack of audited data. Neither Forbes or SHOOK receive a fee in exchange for rankings. Lido does, however, pay Forbes licensing fees for the right to use associated logos, badges, and ranking references in its marketing materials. The 2025 Forbes America's Top RIA Firms list was distributed on October 01, 2025. To be considered for this award, an advisor must serve a minimum of 7 years as an advisor for 1 partner/ principal and be fully operational as a practice for a minimum of 1 year. For more information, please visit: https://www.forbes.com/sites/rjshook/2025/10/01/methodology-americas-top-ria-firms-2025/
The Forbes ranking of Best-In-State Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. Those advisors that are considered have a minimum of seven years experience, and the algorithm weights factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Neither Forbes or SHOOK receive a fee in exchange for rankings. Lido does, however, pay Forbes licensing fees for the right to use associated logos, badges, and ranking references in its marketing materials. The Forbes ranking of Best-In-State Wealth Advisors was published on April 8, 2025. For more information, please
visit: https://www.forbes.com/sites/rjshook/2025/04/08/methodology-forbes-americas-top-wealth-advisors-2025/
Barron's "Top 100 RIAs" is a list published annually by Barron's. Recipients are selected by Barron's via their own proprietary consideration process. The information for selection is provided by the applicants, and there is no fee paid for consideration for being listed, but Lido does pay Barron's for their Marketing Program including licensing rights for their associated ranking badges. The inclusion of a Registered Investment Advisor on the "Top 100 RIAs" list should not be construed as an endorsement by Barron's. There is no guarantee as to future investment success by working with any firm, including those which make the list. There is no assurance that any firm which made the list in a given year will continue to make the list in subsequent years. For more information, please visit: https://www.barrons.com/articles/barrons-methodology-for-ranking-financial-advisors-51615843316
