Founded on the belief that wealth management should be holistic and coordinated, Lido Advisors combines investment strategy, estate and tax planning, and legacy management in one integrated framework. The firm operates nationwide and serves as a fiduciary, meaning it is legally required to act in its clients' best interests.
Lido builds customized portfolios using a combination of traditional and alternative asset classes, such as equities, bonds, private funds, real estate, and other alternative investments, tailored to each client’s objectives and risk tolerance.
It also offers financial and estate planning, trust and tax coordination through affiliated or partner firms, and strategic philanthropy support. These capabilities allow investment, tax, and legacy considerations to be managed under a single, coordinated plan.
Lido Advisors delivers comprehensive, fiduciary-based wealth management designed for clients seeking integrated financial oversight and long-term support with their money.
What are the pros and cons of Lido Advisors?
Lido Advisors offers a full-service, advisor-led wealth management approach for high-net-worth and ultra-high-net-worth clients. It combines investment and tax management, estate planning, and philanthropic coordination into a single framework.
Its primary advantages include access to alternative investments, in-house expertise across multiple areas, and a personalized, comprehensive service. However, Lido Advisors is ideal for affluent investors, while its lack of fee transparency and automation may limit its appeal to DIY investors and those with smaller portfolios.
The pros of Lido Advisors
Integrated, multidisciplinary expertise: Lido has in-house and affiliated professionals to coordinate investments, taxes, philanthropy, and multigenerational planning within a unified structure.
Access to alternative strategies. Lido combines traditional investments with alternative approaches, such as private funds, real estate, and structured strategies, reflecting its focus on broader wealth factors such as taxes, liquidity, and legacy planning.
Personalized and comprehensive service: Advisors deliver long-term advice, emphasizing trust, confidentiality, and clear communication and reflecting a high-touch service instead of a transactional one.
SEC oversight: As an investment advisor registered with the Securities and Exchange Commission (SEC), Lido operates under fiduciary obligations to act solely in its clients’ best interests.
The cons of Lido Advisors
High account minimums: A minimum of $1 million in investable assets is generally required, making the service less accessible to investors with smaller portfolios.
Relatively high advisory fees: The firm charges 1.25% on assets under $2 million and 1% on assets above $2 million, with a $10,000 annual minimum fee, which may be higher than many digital or hybrid platforms.
Limited fee transparency: Detailed pricing is disclosed only in regulatory filings or client agreements, but not on the website.
No automated investing platform: Lido does not offer a robo-advisor or algorithm-based portfolio service, focusing instead on advisor-led management.
Lido Advisors provides a full-service, advisor-led experience with many resources for complex financial planning and investment management.
It may be well-suited to clients who value hands-on fiduciary advice and integrated planning, but it is less ideal for those seeking lower-cost or DIY digital options.
Lido Advisors fees: how much does it cost?
Lido Advisors uses a traditional, tiered asset-based pricing structure that varies by portfolio size and required services.
Clients pay an annual advisory fee calculated as a percentage of assets under management (AUM), billed quarterly in advance.
The firm also offers financial planning and consulting services that may incur separate fixed or hourly fees, and clients are responsible for extra third-party costs such as fund expenses, trading, and custody fees.
| Fee type | How it’s charged | Details | Notes |
|---|---|---|---|
| Advisory (Asset management) fee | Percentage of AUM; billed quarterly in advance. | 1.25% on assets under $2 million; 1% on assets over $2 million; minimum $2,500 per quarter ($10,000 a year). | The fees can lift the effective rate above 1.25% for accounts under $800,000. |
| Consultation/financial planning | An hourly, fixed, or percentage-based fee. | Usually $500/hour; fixed-fee or asset-based contracts are negotiable. | Charged separately from the asset management fee. |
| Other fees and costs | Pass-through expenses. | Fund expenses, custodian/broker-dealer commission, account/custody fees. Third-party/sub-advisor manager fees, if applicable. | These are in addition to Lido’s advisory or planning fees. |
Lido Advisors follows a traditional AUM model: 1.25% for under $2 million, 1% for over $2 million, with a $10,000 annual minimum, plus separately billed planning, consultation and third-party, custody and fund costs.
This structure is suitable for those looking for long-term advice from a financial advisor, but can be comparatively expensive for those with smaller portfolios due to the minimum.
What is Lido Advisors’ minimum account size?
Lido Advisors is for affluent investors, not beginner investors. The firm generally requires a minimum of $1 million in investable assets to open or maintain a managed account.
This high threshold reflects its focus on clients with complex financial needs who want a comprehensive coordination of investments, taxes, and estate and legacy planning.
Unlike robo-advisors or hybrid platforms with low minimums, Lido Advisors caters to high-net-worth households. This makes it suitable for investors looking for customized, advisor-led wealth management rather than low-cost services.
Who should choose Lido Advisors?
Lido Advisors is suitable for high-net-worth and ultra-high-net-worth investors seeking a coordinated, advisor-led approach to managing their entire finances.
It appeals to individuals and families who want more than investment management, such as integrated planning across tax, estate, trust, and philanthropic goals.
Lido Advisors works well for:
Affluent investors with complex needs: Those who need customized investment strategies and coordination in multiple areas, including taxes, legacy planning and philanthropy, will benefit from the firm’s comprehensive model.
Families seeking multigenerational planning: The firm’s comprehensive services help manage long-term wealth transfer, estate planning, and charitable giving.
Clients interested in alternative investments: Those looking for exposure to private funds, real estate, or structured products beyond traditional portfolios can access these strategies through the firm’s in-house and partner capabilities.
Investors who value personal relationships: Dedicated advisors provide hands-on support, ongoing communication, and fiduciary oversight rather than automated portfolio tools.
Lido Advisors may not be suitable for:
Investors with smaller portfolios: The $1 million account minimum makes Lido Advisors less accessible to those with limited investable assets.
Cost-sensitive clients: Advisory fees of 1% to 1.25%, plus a $10,000 annual minimum, are higher than most digital or hybrid platforms.
Tech-focused clients or DIY investors: It does not offer a robo-advisor or online trading tools, so investors seeking automation or hands-on trading flexibility may find it less suitable.
Lido Advisors: is it secure?
Yes, Lido Advisors is a US SEC-registered investment advisor that operates under fiduciary obligations to act in its clients’ best interests.
Client assets are held by independent, SEC-registered custodians, such as Charles Schwab, Fidelity Investments, or other qualified institutions, instead of Lido Advisors.
These custodians provide Securities Investor Protection Corporation (SIPC) coverage of up to $500,000 per client (including $250,000 for cash) to protect against broker failure, though this protection does not cover market losses.
Lido Advisors doesn’t maintain custody of client funds, while all transactions occur via the client’s custodian account, providing additional separation of duties and regulatory oversight.
The firm has physical, electronic, and procedural safeguards to protect personal information from unauthorized access or disclosure.
These include secure data-storage systems, limited employee access to sensitive data, and compliance with federal privacy laws. It also reviews its cybersecurity measures regularly to ensure continued protection.
Lido Advisors: customer service
Lido Advisors delivers a personalized service led by dedicated advisory teams rather than centralized call centers.
Each client works directly with financial advisors, planners, and service coordinators who manage ongoing communication, portfolio updates, and strategic planning. This high-touch structure reflects the firm’s comprehensive approach to wealth management.
Support is delivered through multiple channels. Clients can contact their advisory team by phone, email, or scheduled meetings at any of the company’s nationwide offices.
Lido Advisors offers a client portal and mobile app, which allow users to access account information, performance reporting, and tax documents, and connect to custodial accounts such as Charles Schwab and Fidelity.
As the service is advisor-led, responsiveness may vary by team and office. However, the model is designed to provide consistent, confidential communication and ongoing collaboration tailored to each client’s needs rather than generic support channels.
Lido Advisors: What do customers say?
Client feedback about Lido Advisors is generally positive, particularly among investors who value a professional team managing their portfolios on an ongoing basis. Clients often say the firm is reliable and suitable for long-term wealth management, emphasizing stable returns and less need for day-to-day involvement.
Among the favourable experiences are steady portfolio results and the belief that Lido’s diversified strategies helped limit losses during market downturns.
One investor reported working with Lido through Fidelity to manage $20 million in assets and noted that the firm handled all aspects of their finances, requiring only minimal time and involvement each week.
Some people also note that the firm’s services are more expensive than average but believe the quality of guidance and support justifies it.
Is Lido Advisors worth it?
Whether Lido Advisors is worth it depends on your portfolio size and the kind of relationship you want with your advisor.
The firm primarily serves high-net-worth and ultra-high-net-worth clients seeking comprehensive oversight across investments, taxes, and estate planning. It offers a disciplined investment process, access to both traditional and alternative assets, and a coordinated advisory team — suitable for investors who prefer a hands-off, advisor-led approach.
However, Lido’s $1 million minimum and fees of up to 1.25% make it less cost-effective for smaller investors or those wanting lower-cost digital options. It also lacks automated tools or self-directed trading.
For alternatives, investors might compare firms like Mariner Wealth Advisors, Mercer Advisors, or Creative Planning, which offer similar full-service wealth management models with varying fee structures and minimums.
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