TABLE OF CONTENTS

General Disclosures

In addition, the firm maintains a notice filing with the states of Arizona, California, Colorado, Hawaii, Nevada, New York, Oregon, Texas, and Washington. The presence of the Website on the Internet shall in no direct or indirect way raise any inference that the firm offers investment advisory services to residents of any state other than the states in which the firm maintains a notice filing. This Website should not be construed as solicitation or offer to solicit investment advisory clients in any state other than the states in which we maintain a notice filing. For details on Destination Wealth Managements' ability to work with you in your particular state, please contact Destination Wealth Management to discuss your particular situation and geographical location.

Past performance may not be indicative of future results.  Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by adviser), or product made reference to directly or indirectly on this Website, or indirectly via link to any unaffiliated third-party Website, will be profitable or equal to corresponding indicated performance levels.

Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client's investment portfolio.  No client or prospective client should assume that any information presented and/or made available on this Website serves as the receipt of, or a substitute for, personalized individual advice from the adviser or any other investment professional.

Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have [the] effect of decreasing historical performance results.

Information throughout this site, whether stock quotes, charts, articles, or any other statement or statements regarding market or other financial information, is obtained from sources which we believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information.

Past performance is no guarantee of future results. Individual performance results will vary. The information provided herein reflects the views of Destination Wealth Management as ("DWM") of the date of this broadcast. Such views are subject to change at any point without notice. Information and data provided herein was obtained from third party sources believed to be reliable but we do not warrant or guarantee the accuracy or completeness of the information. This broadcast is being shared for informational purposes only and should not be considered a recommendation to buy or sell any securities. Nothing presented herein is or is intended to constitute investment advice, and no investment decision should be made based solely on any information provided on this video. There is a risk of loss from an investment in securities, including the risk of loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular investor's financial situation or risk tolerance. Any forward looking statements or forecasts are based on assumptions and actual results are expected to vary from any such statements or forecasts. No reliance should be placed on any such statements or forecasts when making any investment decision.  Destination encourages you to consult with a professional financial advisor prior to making any investment decision.

Investors cannot make any direct investment in any index.

 

Video Disclosures

This video presentation discusses certain investment products and is being provided for informational purposes only, and should not be considered, and is not, investment, financial planning, tax or legal advice; nor is it a recommendation to buy or sell any securities. Investing in securities involves varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular client's financial situation or risk tolerance.  Past performance is not a guarantee of future returns. Individual performance results will vary. The opinions expressed in the video reflect Destination Wealth Management's ("DWM") or Michael Yoshikami's (as applicable) views as of the date of the video. Such views are subject to change at any point without notice. You should not treat any opinion expressed by DWM or Mr. Yoshikami as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of general opinion. Nothing presented herein is or is intended to constitute investment advice, and no investment decision should be made based solely on any information provided on this video. There is a risk of loss from an investment in securities, including the risk of loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular investor's financial situation or risk tolerance. Neither DWM nor Mr. Yoshikami guarantees any specific outcome or profit. Any forward-looking statements or forecasts contained in the video are based on assumptions and actual results may vary from any such statements or forecasts. DWM or one of its officers may have a position in the securities discussed and may purchase or sell such securities from time to time. Some of the information in this video has been obtained from third party sources. While DWM believes such third-party information is reliable, DWM does not guarantee its accuracy, timeliness or completeness. DWM encourages you to consult with a professional financial advisor prior to making any investment decision. 

 

Investment and financial planning advice is provided by Destination Wealth Management (DWM), an Investment Adviser registered with the U.S Securities and Exchange Commission (SEC). Registration with the SEC or any state securities authority does not imply a certain level of skill or training. For additional information regarding services, fees, related disclosures, and designations please refer to the disclosure page on our website https://www.destinationwm.com/disclosures A copy of the Firm's Form ADV is available upon request.

 

Disclosures for Reposted News Articles

Past performance is no guarantee of future results. The information provided herein reflects the views of Destination Wealth Management ("DWM") or Michael Yoshikami (as applicable) as of the date of this article. Such views are subject to change at any point without notice. DWM obtained the information provided herein from third party sources believed to be reliable but we do not warrant or guarantee the accuracy or completeness of the information. This article is being provided for informational purposes only and should not be considered a recommendation to buy or sell any securities. Nothing presented herein is or is intended to constitute investment advice, and no investment decision should be made based solely on any information provided herein. DWM has not taken into account the investment objectives, financial situation or particular needs of any individual client or investor. There is a risk of loss from an investment in securities, including the risk of loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular investor's financial situation or risk tolerance. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. Any forward looking statements or forecasts are based on assumptions and actual results are expected to vary from any such statements or forecasts. No reliance should be placed on any such statements or forecasts when making any investment decision. The assumptions and projections displayed are estimates, hypothetical in nature, and meant to serve solely as our opinion. DWM encourages you to consult with a professional financial advisor prior to making any investment decision. Links to third party websites are provided for your convenience and informational purposes only. DWM is not responsible for information contained on third party websites.

 

 

Audio Disclosures

The audio link (audio) discusses certain investment products and is provided for informational purposes only, and should not be considered, investment, financial planning, tax or legal advice, and is not a recommendation to buy or sell any securities. Investing in securities involves varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a client's financial situation or risk tolerance. Past performance is not a guarantee of future returns. Individual performance results will vary. The opinions expressed in the audio reflect Destination Wealth Management's ("DWM") or Michael Yoshikami's (as applicable) views as of the date of the audio. Such views are subject to change at any point without notice. You should not treat any opinion expressed by DWM or Mr. Yoshikami as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of general opinion. Nothing presented herein is or is intended to constitute investment advice, and no investment decision should be made based solely on any information provided in this audio. There is a risk of loss from an investment in securities, including the risk of loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular investor's financial situation or risk tolerance. Neither DWM nor Mr. Yoshikami guarantees any specific outcome or profit. Any forward-looking statements or forecasts contained in the audio or discussed in the audio link are based on assumptions and actual results may vary from any such statements or forecasts. DWM or one of its officers may have a position in the securities discussed and may purchase or sell such securities from time to time. Some of the information in this audio has been obtained from third party sources. While DWM believes such third-party information is reliable, DWM does not guarantee its accuracy, timeliness or completeness. DWM encourages you to consult with a professional financial advisor prior to making any investment decision.

 

Advisor Certification Disclosures

The CERTIFIED FINANCIAL PLANNER® program is administered by the Certified Financial Planner Board of Standards Inc. Those with the CFP® certification have demonstrated competency in all areas of finance related to financial planning. Candidates complete studies on over 100 topics, including stocks, bonds, taxes, insurance, retirement planning and estate planning. In addition to passing the CFP certification exam, candidates must also complete qualifying work experience and agree to adhere to the CFP Board's code of ethics and professional responsibility and financial planning standards.

The Chartered Special Needs Consultant® (ChSNC®) program teaches experienced financial professionals the technical and collaborative skills necessary to help clients make plans for the future security of a loved one who has special needs. ChSNC® candidates must complete two self-study courses and one live webinar capstone. The required courses include: Introduction to Disability, Legal and Financial Issues for Special Needs Families and Financial Planning for Special Needs Families. Use of the ChSNC® credential requires an extensive financial planning background. All designees using the mark with the public must have also completed either the CLU®, ChFC®, CFP®, PFS credential, or master's degree in either financial planning or an equivalent area of study. Designees must adhere to The American College's Code of Ethics.

The Chartered Financial Analyst (CFA®) charter is a professional designation established in 1962 and awarded by CFA Institute. To earn the CFA charter, candidates must pass three sequential, six-hour examinations over two to four years. The three levels of the CFA Program test a wide range of investment topics, including ethical and professional standards, fixed-income analysis, alternative and derivative investments, and portfolio management and wealth planning. In addition, CFA charter holders must have at least four years of acceptable professional experience in the investment decision making process and must commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct.

The Certified Public Accountant (CPA) license is a professional designation given to accounting professionals who have met the educational, experience, and exam requirements set forth by their state's Board of Accountancy. Candidates must complete educational studies in accounting subjects including to auditing, taxation, financial reporting, financial statement analysis, and external and internal reporting. Candidates also must obtain a certain amount of general accounting experience and pass the Uniform Certified Public Accountant Examination.

The CHARTERED SRI COUNSELOR™, CSRIC™ program is administered by the College For Financial Planning. Individuals who hold the CSRIC designation have completed a course of study encompassing the history, definitions, trends, portfolio construction principles, fiduciary responsibilities, and best practices for sustainable, responsible, and impact (SRI) investing. Additionally, individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. The program was developed in partnership with US SIF, the Forum for Sustainable and Responsible Investment; the leading voice advancing sustainable, responsible, and impact investing across all asset classes in the United States. Designees renew their designation every two-years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional conduct and complying with self-disclosure requirements.

An enrolled agent (EA) is a person who has earned the privilege of representing taxpayers before the Internal Revenue Service by either passing a three-part comprehensive IRS test covering individual and business tax returns, or through experience as a former IRS employee. Enrolled agent status is the highest credential the IRS awards. Individuals who obtain this elite status must adhere to ethical standards and complete 72 hours of continuing education courses every three years.

The Certified Senior Advisor is a designation granted by the Society of Certified Senior Advisors (SCSA). The CSA designation requires that the candidate meet eligibility requirements established by the SCSA (www.csa.us) including, pass a criminal background check, pass the CSA designation exam, and pass the CSA Roles, Rules, and Responsibility Ethics Exam. Continued use of the designation requires 30 hours of continuing education every three years and reaffirmation of the pledge to uphold the CSA Code of Professional Responsibility. The CSA designation supplements other professional licenses, credentials and education with knowledge about aging and working with seniors. The CSA designation alone does not imply expertise in financial matters. Certified Senior Advisors (CSAs) have supplemented their individual professional licenses, credentials and education with knowledge about aging and working with seniors. It is recommended that you verify the validity of any professionals' credentials in which you conduct business and be sure you completely understand what those licenses, credentials and education signify. The CSA certification alone does not imply expertise in financial, health or social matters. For more details visit: www.csa.us.

The Accredited Asset Management Specialist℠ program is administered by the College for Financial Planning to financial professionals with a specific focus on asset management and investments. The AAMS® designation is awarded to financial professionals who complete a self-study program, pass an exam, and agree to comply with a code of ethics. Designees renew their designation every two-years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional conduct and complying with self-disclosure requirements.

The Certified Private Wealth Advisor Certification® is certification for experienced advisors who work with high-net-worth clients. It focuses on the full cycle of wealth—accumulation, preservation, and distribution. Earning the CPWA® designation gives you the skills to identify and analyze challenges facing high-net-worth (HNW) clients and develop specific strategies to minimize taxes, monetize and protect assets, maximize growth, and transfer wealth.

The National Social Security Advisor (NSSA) is a professional designation that signifies expertise in Social Security benefits and strategies. NSSA advisors are trained to help individuals and couples make informed decisions about their Social Security options, aiming to maximize benefits based on unique life circumstances. This designation is earned through specialized training and examination, equipping advisors with a deep understanding of the Social Security system, including spousal benefits, timing strategies and rules that can impact retirees.

 

Investment Strategies Disclosures

Destination Wealth Management constructs portfolios and investment objectives based on asset allocation principles coupled with tactical adjustments. The firm employs research analysts with significant experience to conduct asset and economic research. DWM allocation philosophy will adjust based on market conditions and economic environment. Allocations are not static and will adjust as needed. These strategies may not be suitable for all investors. For additional information and disclosures, please refer to Advisor's Form ADV Part 2A.

Concentrated Growth: An individual equity portfolio strategy focused on capital appreciation. The portfolio primarily invests in mid to large US based companies and is not an asset allocation investment strategy. Fluctuation can be significant and is only suitable for clients that are comfortable with high capital fluctuation and have a long-term investment horizon. Fluctuations will reflect US mid-to-large-cap equity market volatility. (This portfolio is available for Global, Domestic and Sustainable Responsible allocations).

Focus Growth: An equity portfolio focused on capital appreciation. Fluctuation can be significant and is only suitable for clients that are comfortable with high capital fluctuation and have a long-term investment horizon. (This portfolio is available for Global, Domestic and Sustainable Responsible allocations).

Equity Growth: A primarily equity-oriented strategy focused on capital appreciation. This strategy has the potential for significant fluctuation and is only suitable for clients with an above-average tolerance for risk and a long-term time horizon. (This portfolio is available for Global, Domestic and Sustainable Responsible allocations).

Equity Income: This portfolio provides a combination of capital appreciation with some income generation. This strategy is subject to equity market fluctuation and is only suitable for clients with long term time horizons or an above-average tolerance for risk. (This portfolio is available for Global, Domestic and Sustainable Responsible allocations).

Strategic Balanced: This portfolio is equally focused on income generation and capital appreciation. This strategy is subject to equity market fluctuations and interest rate volatility. It is suitable for clients with a modest degree of risk tolerance and average 3 to 5 year time horizon. (This portfolio is available for Global, Domestic and Sustainable Responsible allocations).

Strategic Dividend and Income: This portfolio is focused on generating income from dividends and interest. It invests in both equities and fixed income. This strategy is subject to equity market fluctuations and interest rate volatility, and is suitable for clients seeking income, having a moderate degree of risk tolerance and a long term investment horizon.

Conservative Balanced: This portfolio focuses on income while seeking a small amount of capital appreciation on a long-term basis. This strategy is predominantly fixed income oriented and suitable for moderately risk averse clients with at least a 3 to 5-year time horizon. (This portfolio is available for Global, Domestic and Sustainable Responsible allocations).

Fixed Income: This portfolio is invested in income-oriented assets including bonds and other interest bearing assets. Least aggressive portfolio suitable for risk averse clients with shorter time horizons and the need for portfolio income generation. The portfolio will fluctuate depending on credit quality and interest rate levels. This portfolio is available for Global Focused allocation.

Global Focused: Global focused strategies describe portfolios invested in both US and non-US assets. Regions utilized in portfolios are dependent on Destination's investment judgment. Portfolios continue to be primarily focused on US securities despite international diversification.

Domestic Focused: Domestic focused strategies maintain a more significant primary focus on US investments. While global revenue contribution from US-based companies is an inherent part of held assets, the primary consideration for invested assets is domicile in the United States.

 

Environmental, Social, and Governance (ESG): This strategy describes portfolios that include securities that undergo additional screening based on one or more social criteria such as sustainability, environmental impact, and/or corporate diversity. These portfolios have a global investment footprint consistent with our Global Focused portfolios described above. ESG strategies may at times miss opportunities to gain exposure to certain industries, sectors, and companies which could cause the portfolio to under perform when compared against other unrestricted portfolios. Please contact your advisor for additional information regarding investment strategies.

 

Environmental, Social, and Governance (ESG) Disclosures

Environmental, social, and governance (ESG) portfolios are constructed based on an environmentally responsible investment philosophy designed for social impact. Assets are selected based on this perspective combined with the potential for investment results. All investing involves risk and the potential loss of principal. ESG strategies may at times miss the opportunities to gain exposure to certain industries, sectors, and companies which could cause the portfolio to underperform when compared against other unrestricted portfolios. An ESG strategy may gain or lose favor. Investment strategies implemented by Destination Wealth Management are susceptible to market fluctuations and have the potential for investment loss. Destination Wealth Management does not guarantee any investment results or performance. Please contact your advisor for additional information regarding DWM ESG screening criteria and methodology.

Just Capital is a non-profit organization that publishes an annual ranking of the largest publicly traded U.S. companies based on their corporate behavior. Each year, Just Capital conducts qualitative and quantitative survey to identify ESG issues that are important to the public. For example, in 2021, Just Capital identified 20 issues that included fair and living wage, job creation, accountability to stakeholders, protection of consumer privacy and development of sustainable products. Just Capital then develops metrics and ranks the 1000 largest publicly traded U.S companies based on the identified ESG issues. For more information regarding the Just Capital Ranking, please refer to the company website at https://justcapital.com/full-ranking-methodology/.

MSCI is one of the leading equity index providers. Its socially responsible investing (SRI) indexes are widely used by investment professionals as SRI benchmarks and SRI screening tools. MSCI constructs its SRI indexes by including companies with high SRI ratings and eliminating companies with controversial issues with regards to products, governance, and social impact. MSCI's ESG indexes incorporate the following MSCI databases: MSCI ESG Ratings, MSCI ESG Controversies, MSCI ESG Business Involvement Screening Research and MSCI Climate Change Metrics. For more information regarding MSCI ESG Indexes, please refer to the company website at www.msci.com/indexes/category/esg-indexes. Investors may not make direct investments into any index. Please contact your advisor for additional information regarding DWM ESG screening criteria and methodology.

Environmental, social, and governance (ESG) portfolios are constructed based on an environmentally responsible investment philosophy designed for social impact. Assets are selected based on this perspective combined with the potential for investment results. All investing involves risk and the potential loss of principal. ESG strategies may at times miss the opportunities to gain exposure to certain industries, sectors, and companies which could cause the portfolio to underperform when compared against other unrestricted portfolios. An ESG strategy may gain or lose favor. 

Investment strategies implemented by Destination Wealth Management are susceptible to market fluctuations and have the potential for investment loss. Destination Wealth Management does not guarantee any investment results or performance.

Investment advice is provided by Destination Wealth Management (DWM), an Investment Advisor registered with the Securities Exchange Commission (SEC). Registration with the SEC or any state securities authority does not imply a certain level of skill or training. For additional information regarding services, fees, and related disclosures, please refer to Advisor's Form ADV, Part 2A Brochure. A copy of the firm's ADV is available on request.