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. SEC registration does not denote any particular 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 complete information concerning our services, fees, and potential or actual conflicts, available at adviserinfo.sec.gov. You may also contact Lido at (310) 278-8232 or by mail at 1875 Century Park East, Suite 950, Los Angeles, CA 90067.

The future is uncertain and cannot be predicted: Past performance is not indicative of future performance. Any Information relating to financial information, including, but not limited to, Lido’s services, investments, strategies, products, performance, yields, opinions, estimates, or expectations, is provided for informational and illustrative purposes only and should not be relied upon as the basis of an investment or liquidation decision. Nothing contained in the Information should be construed as a promise or guarantee of future results, and any references to future returns or risks are not promises of the actual returns or risks that a client portfolio may experience.

Certain Information may constitute “forward-looking statements,” which may be identified by terminology such as “may,” “will,” “should,” “seek,” “expect,” “anticipate,” “target,” “project,” “estimate,” “intend,” “continue,” “believe,” or similar terminology. Forward-looking statements are subject to various risks and uncertainties, and actual events, results, or investment performance may differ materially from those reflected or contemplated in such statements.

Unless otherwise indicated, Information, opinions, estimates, and expectations are based on circumstances and information available as of the date the applicable materials were prepared and may not be updated or revised to reflect subsequently discovered information, changes in circumstances, or future events. Lido’s opinions and estimates reflect its judgment as of the applicable date and should be regarded as indicative, preliminary, and for illustrative purposes only.

Certain Information may be obtained from published or unpublished sources prepared by third parties. Although Lido believes such sources to be reliable, such Information may not have been independently verified by Lido and, in certain cases, may not have been updated through the date of the applicable materials. Lido does not assume responsibility for the accuracy or completeness of third-party information.

Where performance information is presented, past performance should not be considered indicative of future results. We have 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. Not all third-party fees are necessarily included in performance information, including certain custodial, trading, or other transactional fees. Where yield information is presented, prior yield figures may reflect performance over a limited period and may not be indicative of the yield or volatility an investment may experience over a longer period. Yield information should be considered in the context of the broader market and economic conditions prevailing during the applicable period.

We provide tailored investment advice specific to clients’ financial situations and risk tolerances, among other factors: Our investments, strategies, and products are not suitable for all clients or investors. We take reasonable measures to ascertain our clients’ specific financial needs and objectives. It should not be assumed that any investment, security, strategy, product, or recommendation identified in the Information has been or will be profitable, will equal prior performance, or will be without loss. All investments involve risk, including the potential loss of principal, as well as the potential for investment gain. Before investing, investors should seek financial advice regarding the appropriateness of any securities or investment strategies discussed in light of their particular circumstances.

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. Nothing contained in the Information constitutes a solicitation to buy or an offer to sell any security, product, or service to any non-U.S. investor, nor is any security, product, or service being solicited, offered, or sold in any jurisdiction where such activity would be contrary to applicable securities laws or other local laws or regulations, or would subject Lido to a registration requirement in such jurisdiction.

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 and 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 you 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 under no obligation to engage any of these services.

Limitations and preservation of investor rights: Lido specifically disclaims liability arising from reliance on Information or illustrations presented in the applicable materials, including consequences arising from decisions or actions taken based on such Information, to the extent permitted by applicable law. Nothing contained herein is intended to limit any responsibility or liability that Lido may have under applicable law. Lido neither seeks to disclaim nor asks that you waive any right or claim that you may possess pursuant to 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 as of March 31, 2025, 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 using proprietary algorithms. Awarded 04/07/26 for data as of 06/30/25. Lido paid no application fee for consideration. Lido does, however, pay Forbes licensing fees for the right to use associated logos, badges, and ranking references in its marketing materials. For more information, please visit: https://www.forbes.com/sites/rjshook/2026/04/07/methodology-forbes-americas-top-wealth-advisors-2026/

Barron’s “Top 100 RIAs” is a list published annually by Barron’s based off data as June 30, 2026. 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. This edition of Barron’s “Top 100 RIA Firms” was published on September 14, 2026. For more information, please visit: https://www.barrons.com/advisor/articles/barrons-methodology-for-ranking-financial-advisors-c4831b04

The Forbes ranking of Best-In-State Top Women Wealth Advisors, developed by SHOOK Research as of June 30, 2025, 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, service models, investing models, and compliance records. 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 Top Women Wealth Advisors was published on February 4, 2026. For more information, please visit: https://www.forbes.com/sites/rjshook/2026/02/04/methodology-americas-top-women-wealth-advisors-2026/?ctpv=searchpage

The Forbes ranking of Best-In-State Top Next-Gen Wealth Advisors, developed by SHOOK Research, is formulated using an algorithm designed to fairly compare the business practices of a large group of advisors based on quantitative and qualitative elements. Data is weighted to ensure priorities are given to dynamics such as preferred “best practices,” business models, recent business activity, etc. Each variable is graded and represents a certain value for each measured component. This data is fed into an algorithm that measures thousands of advisors against each other. Portfolio performance is not a criterion due to varying client objectives and lack of audited data. For more information, please visit: https://www.forbes.com/sites/molly-bennard/2026/08/11/methodology-2026-forbes–shook-top-next-gen-wealth-advisors/