July 31, 2023, monthly transaction statement

View your statements online at vanguard.com.

20230802 090534 RSBJM5A6 404D 000000528078619 C

Vanguard Flagship Services®
Flagship Services: 800-345-1344

This statement shows only transactions that occurred on your brokerage

account during the past month. A comprehensive statement, which
includes detail pages for each fund, will continue to be mailed
following the close of each quarter.
Do Not Use For Account Transactions

MONROE, WI 53566-8309

71 E SAINT ANDREWS LN
DEERFIELD IL 60015-5081
MIKHAIL GEYMAN

Assets listed in this statement are held by Vanguard Brokerage Services® (VBS), a division
PO BOX 3009

of Vanguard Marketing Corporation (VMC), member FINRA and SIPC. Summary data are
provided solely as a service and are for informational purposes only.

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 20230802 090534 RSBJM5A6 404D 000000528078619 C
Vanguard Flagship Services®
Flagship Services: 800-345-1344

Statement overview $208,359.11

Total value of all accounts as of July 31, 2023

Value on Value on Value on

Accounts 06/30/2023 07/31/2023 Asset mix 07/31/2023

42.4% Stocks $88,426.04

Mikhail Geyman
57.1% Bonds 118,902.07
Traditional IRA brokerage account $205,255.08 $208,359.11
0.5% Short-term reserves 1,031.00
0.0% Other 0.00
$208,359.11
Your percentages are based on your holdings as of the prior month-end.
Recalculated values are included. See Disclosures for more information.

July 31, 2023, monthly transaction statement Page 2 of 10

CDDLRREG

20230802 090534 RSBJM5A6 404D 000000528078619 C

Traditional IRA brokerage account—35110965 Vanguard Flagship Services®
Mikhail Geyman Flagship Services: 800-345-1344

Account overview $208,359.11

Total account value as of July 31, 2023

Activity summary for statement period Retirement summary

Value on June 30, 2023 $205,255.08 2023 contributions $7,500.00
Deposits and withdrawals* 0.00 2022 contributions 7,000.00
Change in value** 2,828.94 2023 distributions 0.00
Dividends, interest, and capital gains 275.09
Value on July 31, 2023 $208,359.11
* Reflects total deposits inclusive of funds received, checks, ACH transfers, transfers
in/out, cash transfers in/out, certain other unsettled activity and withdrawals.
** Change in value reflects your holdings due to price changes, free credits and
transactions for other activity in/out, plus any margin interest charges and loan
repayments for the Statement Period.

Year-to-date income
Taxable income $0.00
Nontaxable income 2,518.77
Total $2,518.77

Balances and holdings for Vanguard Brokerage Account—35110965

Your securities are held in your cash account, unless otherwise noted. This section only shows securities that were held in the account at the end of the
time period indicated.

July 31, 2023, monthly transaction statement Page 3 of 10

 20230802 090534 RSBJM5A6 404D 000000528078619 C
Traditional IRA brokerage account—35110965 Vanguard Flagship Services®
Mikhail Geyman Flagship Services: 800-345-1344

Balances and holdings for Vanguard Brokerage Account—35110965 continued

Sweep program
Price on Balance on Balance on
Name Quantity 07/31/2023 06/30/2023 07/31/2023

VANGUARD FEDERAL MONEY 1,031.0000 $1.00 $755.91 $1,031.00

MARKET FUND
7-day SEC Yield: 5.19%
Total Sweep Balance $755.91 $1,031.00

Mutual funds
Average price Price on Balance on Balance on
Symbol Name per share Total cost Quantity 07/31/2023 06/30/2023 07/31/2023

VBTLX VANGUARD $11.04 $91,952.99 8,331.0840 $9.52 $79,561.85 $79,311.91

TOTAL BOND MARKET INDEX ADMIRAL CL
Est. annual income: $2,242.72; Est. yield: 2.83%
Total Est. annual income: $2,242.72; Est. yield: 2.83% $79,561.85 $79,311.91

ETFs
Price on Balance on Balance on
Symbol Name Total cost Quantity 07/31/2023 06/30/2023 07/31/2023

BND VANGUARD TOTAL BOND $3,517.83 48.0000 $72.4200 $3,489.12 $3,476.16

MARKET ETF
Est. annual income: $97.92; Est. yield: 2.82%
VXUS VANGUARD TOTAL INTL 30,742.61 582.7280 58.2600 32,679.38 33,949.73
STOCK INDEX FUND ETF
Est. annual income: $960.33; Est. yield: 2.83%

July 31, 2023, monthly transaction statement Page 4 of 10

 20230802 090534 RSBJM5A6 404D 000000528078619 C
Traditional IRA brokerage account—35110965 Vanguard Flagship Services®
Mikhail Geyman Flagship Services: 800-345-1344

Balances and holdings for Vanguard Brokerage Account—35110965 continued

ETFs continued
Price on Balance on Balance on
Symbol Name Total cost Quantity 07/31/2023 06/30/2023 07/31/2023

BNDX VANGUARD TOTAL INTL BOND 42,381.99 740.9520 48.7400 36,217.73 36,114.00
INDEX ETF
Est. annual income: $658.70; Est. yield: 1.82%
VTI VANGUARD TOTAL STOCK 36,769.08 238.5650 228.3500 52,551.09 54,476.31
MARKET ETF
Est. annual income: $796.56; Est. yield: 1.46%
Total Est. annual income: $2,513.51; Est. yield: 1.96% $124,937.32 $128,016.20

Account activity for Vanguard Brokerage Account—35110965

This section shows transactions that have settled by July 31, 2023.

Income summary
Dividends Interest Tax-exempt interest Short-term capital gains Long-term capital gains Other income

July $275.09 $0.00 $0.00 $0.00 $0.00 $0.00

Year-to-date 2,518.77 0.00 0.00 0.00 0.00 0.00

Completed transactions
Settlement Trade Commissions
date date Symbol Name Transaction type Account type Quantity Price & fees Amount

07/03 07/03 VBTLX VANGUARD Dividend - - - - $204.13

TOTAL BOND MARKET INDEX ADMIRAL CL
07/03 07/03 - VANGUARD FEDERAL MONEY Sweep in - - - - -204.13
MARKET FUND

July 31, 2023, monthly transaction statement Page 5 of 10

 20230802 090534 RSBJM5A6 404D 000000528078619 C
Traditional IRA brokerage account—35110965 Vanguard Flagship Services®
Mikhail Geyman Flagship Services: 800-345-1344

Account activity for Vanguard Brokerage Account—35110965 continued

Completed transactions continued

Settlement Trade Commissions
date date Symbol Name Transaction type Account type Quantity Price & fees Amount

07/07 07/07 BNDX VANGUARD TOTAL INTL BOND Dividend - - - - 57.79

INDEX ETF
07/07 07/07 BND VANGUARD TOTAL BOND Dividend - - - - 8.85
MARKET ETF
07/07 07/07 - VANGUARD FEDERAL MONEY Sweep in - - - - -66.64
MARKET FUND
07/31 07/31 - VANGUARD FEDERAL MONEY Dividend - - - - 4.32
MARKET FUND
07/31 07/31 - VANGUARD FEDERAL MONEY Reinvestment - - - - -4.32
MARKET FUND

If you had an adjustment to a dividend or interest payment from a previous month, the monthly amount shown under the Income Summary section of your
brokerage statement may be overstated.

July 31, 2023, monthly transaction statement Page 6 of 10

 20230802 090534 RSBJM5A6 404D 000000528078619 C
Vanguard Flagship Services®
Flagship Services: 800-345-1344

Disclosures

Cost basis information requested reinvestment in the same security, and then uses that combined total to purchase additional
shares of the security in the open market. The new shares are divided proportionately among the
Vanguard is required to report cost basis information to the IRS for sales of covered securities in
clients’ accounts, in whole and fractional shares rounded to four decimal places. If the total purchase
taxable (nonretirement) accounts. Covered securities are generally stock or mutual funds acquired on
can’t be completed in one trade, clients will receive shares purchased at the weighted average price
or after January 1, 2011 and 2012, respectively. Unless you select another method, we’ll use the “first
paid by Vanguard Brokerage Services. Participants in our free dividend reinvestment program should
in, first out” (FIFO) accounting method for sales of stocks and exchange-traded funds (ETFs) and the
refer to the “Completed transactions” area of the “Account activity for Vanguard Brokerage Account”
“average cost” method for sales of mutual funds. For more cost basis information go to
section of their Vanguard statements for details of transaction history and dates.
investor.vanguard.com/taxes/cost-basis
For dividend reinvestment of mutual funds held in your brokerage account, the instructions are provided to
Gain or loss. The gain or loss realized by the sale or redemption, calculated by subtracting the cost
the fund and the “settlement date” and “trade date” on your statement will generally represent the day
from the proceeds. Gains and losses are generally short-term if the security was held a year or less,
the transaction is entered in your account record. Call Vanguard Brokerage Services with any questions.
and long-term if held more than a year.
Reporting brokerage account discrepancies. Promptly report in writing any inaccuracies or
For our brokerage clients
discrepancies in your Vanguard Brokerage account (including unauthorized trading) to Vanguard
Your brokerage cash and/or securities are held in custody by Vanguard Brokerage Services, a division Brokerage Services. Any oral communication must be confirmed in writing to further protect your rights,
of Vanguard Marketing Corporation, member FINRA and SIPC. Vanguard funds not held through including your rights under the Securities Investor Protection Act.
your Vanguard Brokerage Services (VBS) account are held by The Vanguard Group, Inc., and are not
Margin accounts. If you maintain a margin account, this is a combined statement of your general
protected by SIPC.
account and a special memorandum account maintained for you under Regulation T issued by the
I. General information and key terms Board of Governors of the Federal Reserve System. The permanent record of the separate account as
Advice. Vanguard Brokerage Services doesn’t provide tax, investment, or legal advisory services, and required by Regulation T is available for your inspection upon request to Vanguard Brokerage Services.
no one associated with Vanguard Brokerage Services is authorized to render such advice. All securities must be held in your margin account. Note that purchases of open-end mutual funds and
Vanguard ETFs ® will settle in your cash account and after 30 days be moved into your margin account.
Direct Participation Program (DPP) and Real Estate Investment Trust (REIT). DPP and REIT
securities are generally illiquid. The value of the security will be different than its purchase price. Any Money market fund transactions. Vanguard Brokerage Services may elect to send a monthly
estimated value on your statement may not be realized when you seek to liquidate the security. statement, in lieu of an immediate confirmation, for transactions executed pursuant to a periodic
plan or an investment company plan, or executed in shares of any open-end registered money market
Financial statement. A Vanguard Brokerage financial statement is available for your inspection at mutual fund.
any time upon request to Vanguard Brokerage Services.
Orphaned fractional share transactions. Vanguard Brokerage Services may elect to send a
Free credit balance. Any free credit balance carried for your account represents funds payable on monthly statement, in lieu of an immediate confirmation, for transactions executed to liquidate
demand, which, although properly accounted for on Vanguard Brokerage’s books of record, aren’t orphaned fractional share positions. Orphaned fractional share positions are fractional share positions
segregated and may be used in the conduct of its business to the extent permitted by law. Your held without a corresponding whole share position. Liquidations of these positions are executed by
settlement fund may be liquidated upon your request and the proceeds remitted to you. Vanguard Brokerage Services on a principal basis at the previous day’s closing price, and the proceeds
Dividend reinvestment. When reinvesting dividends of eligible stocks, ETFs, and closed-end funds, are credited to your account. No transaction fee is charged.
Vanguard Brokerage Services combines cash distributions from the accounts of all clients who have
July 31, 2023, monthly transaction statement Page 7 of 10
 20230802 090534 RSBJM5A6 404D 000000528078619 C
Vanguard Flagship Services®
Flagship Services: 800-345-1344

Open orders. A good-till-canceled (GTC) order will remain in effect for 60 calendar days after the There also may be a difference between your fund’s actual asset allocation and its target allocation. For
business day on which the order was placed. If the 60th day falls during a weekend or on a holiday, the more information about your fund’s target allocation, go to vanguard.com.
order will be canceled on the next business day before the markets open. GTC orders are automatically
Estimated values on statements. Vanguard Brokerage Services relies on external vendors to provide
entered on a “do not reduce” (DNR) basis. The limit price won’t be adjusted when a stock goes “ex-
estimated, periodic valuation and market-price information for securities listed in your account statement.
dividend.” Orders for securities undergoing corporate actions such as, but not limited to, stock splits,
From time to time, this information isn’t available or isn’t received in time for posting to your account
stock dividends, special cash dividends, and spin-offs may be canceled before the market opening on
statement. In this case, the valuation or market price on your statement is marked “-“ and the security
the ex-dividend date of the corporate action. You must maintain records of all open orders. Be sure to
hasn’t been valued for purposes of calculating account totals. For owners of auction-rate securities: If an
review your open GTC orders periodically.
estimated valuation is provided on your account statement for auction-rate securities, please note that
Option accounts. Information regarding commissions and charges related to the execution of an options due to market illiquidity, you may not be able to sell the security at or near the estimated valuation listed
transaction is provided in the transaction confirmation sent to you at the time of the transaction. These are on your account statement.
also available upon request. You should advise us promptly of any changes in your investment objectives or The estimated annual income (EAI) and estimated yield (EY) figures are estimates and are for informational
financial situation. purposes only. EAI represents estimated income to be distributed by a specific position. EAI may be
Tax information. After year-end, Vanguard Brokerage Services is required to provide tax information negative on short positions. EY represents the estimated yield of a specific position based on its EAI and
to the IRS and other governmental authorities. At that time, you’ll receive necessary information on current price. EY reflects only the income generated by an investment. It does not reflect changes in the
the annual tax information statement; use that statement to prepare your tax filings. Note that certain investment’s price, which may fluctuate. EAI and EY for certain types of securities includes return of
types of assets typically need corrected tax forms. principal or capital gains, in which case the EAI and EY is not limited to realizable income. Actual income
Trade execution. Vanguard Brokerage Services may have acted as principal, agent, or both in and yield may be higher or lower than the estimated amounts. These figures should not be considered a
the placement of trades for your account. Details are provided upon request to Vanguard forecast or guarantee of future results. They are computed using information from providers believed to be
Brokerage Services. reliable; however, no assurance can be made as to the accuracy. Since interest and dividend rates are
subject to change at any time and may be affected by current and future economic, political, and business
Average pricing. If average price transaction is indicated on this statement, details conditions, they should not be relied on for making investment, trading, or tax decisions. The money
regarding the actual execution prices are available upon request to Vanguard Brokerage Services. market settlement fund 7 day SEC yield is calculated by annualizing its daily income distributions for the
When issued. A short form of “when, as, and if issued.” The term indicates a conditional transaction previous 7 days, which is not the same methodology for calculating EY for other positions held in your
in a security authorized for issuance but not as yet actually issued. All “when issued” transactions are account (s). Calculation methodologies differ by security type. Certain security types estimate the annual
on an “if” basis, to be settled if and when the actual security is issued. yield based on historical actual income paid while others estimate future yield based on existing
conditions. Please contact Vanguard Brokerage Services for current information regarding your
II. Portfolio holdings
investments and the current estimated valuations of your holdings.
The net market value of the securities in your account, including short positions, is reflected in this
statement on a trade-date basis at the close of the statement period. The market prices have been
obtained from quotation services that we believe to be reliable; however, we can’t guarantee their
accuracy. Securities for which a price isn’t available are marked “ — ” and are omitted from the total.
Prices listed reflect quotations on the statement date. Current prices are listed to help you track your
account and aren’t suitable for tax purposes. Account balances provided on the statement are displayed in
short-form using only two decimal places. Please logon to your account at Vanguard.com to review your
account balances. Accrued interest represents interest earned but not yet received.
Fund data on vanguard.com is generally updated mid-month. Depending on when you log on, there may be
a difference between the asset mix shown on your statement and the data shown online.
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 20230802 090534 RSBJM5A6 404D 000000528078619 C
Vanguard Flagship Services®
Flagship Services: 800-345-1344

Asset mix for some funds recalculated by Vanguard. If the “Asset mix” section of your “Statement
overview” page has a footnote that reads “Recalculated values are included,” the asset allocation
breakdown of particular funds within your portfolio among stocks, bonds, and short-term reserves has been
calculated using long positions, margin credit or debit balances; short positions have been excluded. Certain
funds employ trading strategies, such as risk hedging, short selling, and use of leverage and derivatives, that
could result in significant short positions that can’t be displayed using a standard asset allocation pie chart.
Exclusion of these short positions may have a significant impact on the “Asset mix” pie chart. For more
information about the strategies or holdings of a particular fund, see the fund’s prospectus.
S&P Rating. Copyright 2021, S&P Global Market Intelligence. Reproduction of S&P Credit Ratings
(“Ratings”) in any form is prohibited except with the prior written permission of S&P Global Market
Intelligence (together with its affiliates, “S&P Global”). S&P Global does not guarantee the accuracy,
completeness, timeliness or availability of any information, including Ratings, and is not responsible for any
errors or omissions (negligent or otherwise), regardless of the cause, or for the results obtained from the use
of Ratings. S&P Global shall not be liable for any damages, costs, expenses, legal fees, or losses (including
lost income or lost profit and opportunity costs) in connection with any use of Ratings. Ratings are
statements of opinions and are not statements of fact or recommendations to purchase, hold or sell
securities. They do not address the market value of securities or the suitability of securities for investment
purposes, and should not be relied on as investment advice.

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