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Financial Planning
Most people have financial goals. Far fewer have a plan specific enough to achieve them. Lido’s advanced wealth planning bridges that gap, setting executives, business owners, and multigenerational families on a clear path from where they are to where they want to be.
Financial planning is the process of aligning your resources, priorities, and longer-term goals. It evaluates your current financial circumstances, articulates your objectives, and maps a path from where you are to where you want to go.
Short and Long-Term Goal Setting
Defining what you want to accomplish in the near-term (e.g., buying a beachfront vacation home) and over the decades ahead (e.g., retiring there).
Cash Flow Analysis
Evaluating income and expenses to help ensure your lifestyle and savings trajectories support your objectives.
Asset Management
Aligning your investment strategy with your growth targets while managing downside risk.
Tax Planning
Identifying opportunities to reduce tax impacts that could impede your progress.
Trust and Estate Planning
Structuring the transfer of wealth in accordance with your wishes and legacy goals.
Insurance and Risk Management
Helping protect assets against life’s unforeseen events.
Financial planning is the difference between ideas (“retire comfortably”) and specific, quantifiable goals (“retire at age 67 with at least $10 million in savings”). Just as important, it provides a framework for every financial decision you make, helping ensure each choice aligns with your highest priorities. That, in turn, brings peace of mind.
Here’s how your Lido advisor works with you to build your personal, actionable financial plan:
We begin by getting to know your full financial picture from your assets, liabilities, income, and spending to your long-term aspirations: retirement on your terms, a legacy for children or charity, or all the above. We incorporate your projected pension and retirement income, current and anticipated expenses, and target retirement date to build a plan as detailed and individual as the life you lead.
Our detailed analysis forms the basis for actionable strategies across investment, taxes, cash flow, and legacy planning. We think through the “what-ifs,” including career changes, health challenges, economic downturns, and other unforeseen events. We then pressure-test your plan by running simulations across various scenarios and estimating its probability of success.
Finally, we will share specific recommendations to consider, such as Roth conversions, insurance, pension distributions, and giving strategies. A sound plan also provides a clear roadmap for investment execution, informing how much liquidity and illiquidity you can tolerate, how much risk to incorporate in your portfolio, and the exposures you’re willing to take on to reach your objectives.
Informed decisions start with understanding the ‘why’ behind the plan.”
Yianni Haralambous
Director, Head of Advanced Wealth Planning
A successful financial plan depends on multiple disciplines working in concert. That’s why Lido One convenes a team of investment, tax, estate, and other specialists to work together on your behalf, helping deliver coordinated solutions aligned to your broader financial plan.
Explore how Lido One brings clarity to complexity, providing a 360-degree view of your financial picture and actionable, unbiased insights.
Lido One is a single, integrated platform combining all of the outlined services, but not all the services are provided by Lido Advisors, LLC (“Lido”). Lido does not provide legal or tax advice or trustee services. Lido’s affiliates, including, but not limited to, Lido Tax, LLC (“L-Tax”), Enterprise Trust & Investment Company, Enterprise Trust Company (“Enterprise Trust”) and affiliated third-party legal professionals will, upon request, provide formal legal, tax, and/or trustee services for Lido’s client under separate agreement. Prospects and clients are urged to seek the advice of their own independent counsel or tax professional should such services be required.
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