Benjamin Lloyd, CFA

This brochure supplement provides information about Benjamin Lloyd that supplements Lido Advisors, LLC’s (“Lido”) Disclosure Brochure (Form ADV Part 2A). You should have received a copy of that Disclosure Brochure. Please contact our Chief Compliance Officer at (310) 278-8232 if you did not receive Lido Advisors, LLC’s Disclosure Brochure or if you have any questions about the contents of this supplement.

Additional information about Benjamin Lloyd is available on the SEC’s website atadviserinfo.sec.gov.

ITEM 2: EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE

Benjamin Lloyd, CFA®
Year of Birth: 1993

Educational Background

University of Massachusetts, Dartmouth – Bachelor of Science in Finance, 2016

Business Background

Lido Advisors, LLC, Investment Adviser Representative (1/2024 – Present)
United Parcel Service, Season Support Driver (12/2023 – 12/2023)
Unemployed (6/2023 – 12/2023)
Longfellow Investment Management Co, Credit Analyst (7/2022 – 6/2023)
Longfellow Investment Management Co, Client Service Assc. (5/2018 – 6/2022)
Loomis Sayles & Co, Portfolio Administrator (2/2017 – 3/2018)

Professional Designation Explanation

Chartered Financial Analyst®

The Chartered Financial Analyst® (CFA) charter is a globally respected, graduatelevel investment credential established in 1962 and awarded by CFA Institute — the largest global association of investment professionals.

There are currently more than 90,000 CFA charter holders working in 134 countries. To earn the CFA charter, candidates must: 1) pass three sequential, six-hour examinations; 2) have at least four years of qualified professional investment experience; 3) join CFA Institute as members; and 4) commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct.

High Ethical Standards

The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced through an active professional conduct program, require CFA charter holders to:

 

• Place their clients’ interests ahead of their own
• Maintain independence and objectivity
• Act with integrity
• Maintain and improve their professional competence
• Disclose conflicts of interest and legal matters

 

Global Recognition

Passing the three CFA exams is a difficult feat that requires extensive study (successful candidates report spending an average of 300 hours of study per level). Earning the CFA charter demonstrates mastery of many of the advanced skills needed for investment analysis and decision making in today’s quickly evolving global financial industry. As a result, employers and clients are increasingly seeking CFA charter holders—often making the charter a prerequisite for employment.

Additionally, regulatory bodies in 22 countries and territories recognize the CFA charter as a proxy for meeting certain licensing requirements, and more than 125 colleges and universities around the world have incorporated a majority of the CFA Program curriculum into their own finance courses.

Comprehensive and Current Knowledge

The CFA Program curriculum provides a comprehensive framework of knowledge for investment decision making and is firmly grounded in the knowledge and skills used every day in the investment profession. The three levels of the CFA Program test a proficiency with a wide range of fundamental and advanced investment topics, including ethical and professional standards, fixed-income and equity analysis, alternative and derivative investments, economics, financial reporting standards, portfolio management, and wealth planning.

The CFA Program curriculum is updated every year by experts from around the world to ensure that candidates learn the most relevant and practical new tools, ideas, and investment and wealth management skills to reflect the dynamic and complex nature of the profession.

ITEM 3: DISCIPLINARY INFORMATION

Lido is required to disclose all material facts regarding any legal or disciplinary event that would be material to your evaluation of each investment person providing advice to you. Mr. Lloyd has no information required to be disclosed under this Item.

ITEM 4: OTHER BUSINESS ACTIVITIES

Mr. Lloyd does not engage in other business activities outside of his position at Lido.

ITEM 5: ADDITIONAL COMPENSATION

Mr. Lloyd has no additional compensation to disclose.

ITEM 6: SUPERVISION

Generally, all client investment decisions are overseen by Jeff Garden, Chief Investment Officer and head of Lido’s Investment Committee. The Investment Committee meets periodically to discuss overall portfolio management decisions and strategies. In addition, Jason Ozur, Chief Executive Officer of Lido, is responsible for the general oversight of all investment advice given by its supervised persons.

Mr. Lloyd’s investment advice and employee activities are supervised by Mr. Ozur, who can be contacted at (310) 278-8232 orjozur@lidoadvisors.com.