Communications from Enterprise Trust and Investment Company and its affiliates (together, “Enterprise Trust,” “we,” “us,” or “our”), including but not limited to emails, attachments to emails, and hard-copy correspondence, as well as communications involving third parties, (“Information”), must be reviewed alongside the important disclosures, disclaimers, and waivers provided below.


Enterprise Trust is a private trust company:  Enterprise Trust and Investment Company is a state-chartered trust company regulated by California’s Department of Financial Protection & Innovation. This registration does not denote any competence or ability and no inference to the contrary should be made.


Lido is an affiliated investment adviser:  Lido Advisors, LLC (“Lido”) is an affiliated investment adviser registered with the Securities and Exchange Commission (“SEC”) that provides investment advice to its clients. Its registration does not denote any competence or ability and no inference to the contrary should be made.  We encourage you to review Lido's website and regulatory Form ADV filings, Part 1A, Part 2A, Part 2B, and Form CRS , for information concerning its services, fees, and potential or actual conflicts. These regulatory filings are also available at


The future is uncertain and cannot be predicted:  Any Information relating to financial information, including, but not limited to Enterprise Trust's investments, strategies, products, is for illustrative purposes only and must not be construed as investment advice or an offer to buy or sell securities.  Enterprise Trust 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 any 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.


Enterprise Trust and Investment Company does not typically serve non-California residents:  Enterprise Trust and Investment Company provides trust and advisory services for trusts registered in California.


Enterprise Trust 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 that will engage directly with you to provide such services.  These affiliated professionals have actual, material conflicts of interest that you should discuss with Enterprise Trust 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.


Enterprise Trust 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.  We will seek to identify all material conflicts of interest relating to these affiliated or non-affiliated services through separate disclosure, including through regulatory filings of our affiliates where applicable.  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, neither Enterprise Trust nor its affiliates seek to disclaim, or ask you to waive, any right or claim that you may possess pursuant to applicable laws or regulations. This includes those laws applicable to trustees registered with California’s Department of Financial Protection & Innovation or investment advisers registered with the U.S. Securities and Exchange Commission.  

Back to top