Frank Nessel

Frank Nessel is a senior ERISA consultant in Vanguard Strategic Retirement Consulting, where he oversees technical services. Mr. Nessel is responsible for assisting Vanguard's institutional clients with the interpretation and application of compliance requirements that relate to their qualified retirement plans. He has experience in a broad range of employee benefits matters, including health and welfare plans, nonqualified plans, and equity-based compensation arrangements. Before joining Vanguard in 1999, Mr. Nessel was employed at PricewaterhouseCoopers, where he managed the compliance practice for the Mid-Atlantic region. Mr. Nessel earned a B.S. in accounting from Saint Joseph's University and a J.D. from Temple University Beasley School of Law. He is an attorney licensed in Pennsylvania and New Jersey.

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Visit institutional.vanguard.com to obtain a prospectus or, if available, a summary prospectus, which contains investment objectives, risks, charges, expenses, and other information; read and consider it carefully before investing.

Investments in bond funds are subject to interest rate, credit, and inflation risk.

Diversification does not ensure a profit or protect against a loss.

Foreign investing involves additional risks including currency fluctuations and political uncertainty.

Stocks of companies in emerging markets are generally more risky than stocks of companies in developed countries.

All investing is subject to risk, including the possible loss of the money you invest.

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