IMPORTANT DISCLOSURES, DISCLAIMERS, AND NON-WAIVERS

IDB Lido Wealth, LLC’s (“IDB Lido”) communications, including, but not limited to, emails, attachments to emails, hard-copy correspondence, and IDB Lido’s and third-party marketing (“Information”) must be reviewed in conjunction with the following important disclosures, disclaimers, and non-waivers.

We are an independent investment adviser:  IDB Lido is an investment adviser registered with the U.S. 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 Part 1, Part 2A, Part 2Bs, and Form CRS (collectively, “Regulatory Filings”), for information concerning our services, fees, our financial professionals, and potential or actual conflicts. 

The future is uncertain and cannot be predicted:  Any Information relating to financial information, including, but not limited to IDB 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.  IDB 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 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 IDB 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:  IDB 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, IDB Lido makes no representation as to the Information’s adherence to or compliance with any non-U.S. laws, regulations, or regulations.  

IDB 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 entities including, but not limited to, Lido Tax, LLC, that provide tax-related and other services that will engage directly with you to provide such services.  These affiliated entities have actual, material conflicts of interest that you should discuss with IDB 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.

Certain IDB Lido affiliates and third parties provide both advisory and non-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 specific services relating to, investment management, tax, trust, estate, financial planning, insurance, or securities-related transactions.  IDB 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, IDB 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.