Katheryn Woodruff

Katheryn Woodruff

Katheryn is a senior manager in Vanguard Personal Advisor Services®. She joined Vanguard in 2005 and previously served as a financial advisor as well as a leader in our ultra high net worth and retail businesses. Katheryn is a Certified Financial PlannerTM professional with a bachelor’s degree in business from the University of North Carolina at Chapel Hill.

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Visit vanguard.com or contact your broker to obtain a Vanguard ETF or fund prospectus which contains investment objectives, risks, charges, expenses, and other information; read and consider carefully before investing.

Vanguard ETF Shares are not redeemable with the issuing Fund other than in very large aggregations worth millions of dollars. Instead, investors must buy and sell Vanguard ETF Shares in the secondary market and hold those shares in a brokerage account. In doing so, the investor may incur brokerage commissions and may pay more than net asset value when buying and receive less than net asset value when selling.

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

Diversification does not ensure a profit or protect against a loss in a declining market.

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 possible loss of principal.

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