Stuart M. Bernstein

2020

Ask Donna

Pull out the substance of this filing.

Parts of this filing are redacted in the source. Gaps below are the filing's, not ours.

What was filed

482
investments
4
positions
0
gifts
0
agreements
0
debts
0
reimbursements
0
income
2
spouse income

Named parties

Fordham Law Alumni Association
Trust # 1
Defined Benefit Plan

As filed

401K Plan

Vanguard Prime Money Market Instl (401k) — Dividend

T. Rowe Price Personal Strat Balanced (401k) — None — Sold

T. Rowe Price Spectrum Moderate Allocation — Dividend — Buy

T. Rowe Price Spectrum Moderate Allocation — Sold

Vanguard Target Ret 2015 — Dividend — Buy

JP Morgan Chase Bank Accounts — Interest

Citibank Accounts — Interest

Citibank Account — Interest

Citibank Account — None — Merged (with line 8)

Keogh (Target) Plan--Plan I — Int./Div. — Distributed (part)

Nassau Life Insurance (Whole Life) — Dividend

Capital "A" Account — None — Distributed

Jensen Quality Growth ( ) — None — Sold (part)

Jensen Quality Growth ( ) — Buy (add'l)

Jensen Quality Growth ( ) — Sold

Cash ( ) — Interest

T. Rowe Price Capital Appreciation ( ) — Dividend — Buy (add'l)

T. Rowe Price Capital Appreciation ( ) — Buy (add'l)

T. Rowe Price Capital Appreciation ( ) — Sold (part)

SPDR S&P 500 Index ( ) — Dividend — Buy (add'l)

SPDR S&P 500 Index ( ) — Sold (part)

Nuveen High Yield Muni Bond Fund C1 A ( ) — Dividend — Buy (add'l)

Nuveen High Yield Muni Bond Fund C1 A ( ) — Sold (part)

IShares Russell 1000 Value ( ) — None — Sold

Ishares Core S&P Small ( ) — None — Buy

Ishares Russell 1000 ( ) — Dividend — Buy

Ishares Russell 1000 ( ) — Sold

Ishares Russell 3000 ( ) — Dividend — Buy

Ishares Russell 3000 ( ) — Sold (part)

Ishares Tr Russell ( ) — None — Buy (add'l)

Ishares Tr Russell ( ) — Sold (part)

Ishares Tr Russell ( ) — Sold

Pacer Trendpilot US ( ) — None — Sold

SPDR Barclays High Yield ( ) — Dividend — Sold (part)

SPDR Barclays High Yield ( ) — Sold (part)

SPDR Barclays High Yield ( ) — Sold

Vanguard FTSE All-World ex-US ) — None — Sold

American Century Equity ( ) — None — Sold

Agr Large Cap Defensive ( ) — None — Buy

Agr Large Cap Defensive ( ) — Sold

Prudential High Yield — Dividend — Sold

Schwab US L Cap Growth ( ) — None — Buy

Schwab US L Cap Growth ( ) — Sold

VanEck Vectors Fallen Angel HiYld ( ) — Dividend — Buy

Vanguard Small Cap ( ) — Dividend — Buy

Vanguard Small Cap ( ) — Sold (part)

BTS Tactical Fixed Income — Dividend — Buy

BTS Tactical Fixed Income — Sold

Calamos Market Neutral Income ( ) — Dividend — Buy

JHancock Intl Growth ( ) — None — Buy

JHancock Intl Growth ( ) — Buy (add'l)

Parnassus Core Equity Fund ( ) — Dividend — Buy

Parnassus Core Equity Fund ( ) — Sold (part)

Rydex Inverse S&P ( ) — None — Buy

Rydex Inverse S&P ( ) — Sold

Schwab Value Fund ( ) — Dividend — Buy

Schwab Value Fund ( ) — Buy (add'l)

Schwab Value Fund ( ) — Sold (part)

Schwab Value Fund ( ) — Sold

T. Rowe Price Capital Appreciation ( ) — Dividend — Buy (add'l)

T. Rowe Price Capital Appreciation ( ) — Sold (part)

Jensen Quality Growth (5 ) — Dividend — Buy (add'l)

Jensen Quality Growth (5 ) — Sold (part)

Schwab Value Advantage ) — Dividend — Buy

Schwab Value Advantage ) — Sold (part)

Schwab Value Advantage ) — Sold

Cash ) — Interest

Guggenheim S&P 500 Equal ( — Dividend — Buy (add'l)

Guggenheim S&P 500 Equal ( — Sold (part)

Guggenheim S&P 500 Equal ( — Sold

Ishares Gold ) — None — Sold

Ishares Msci Emerging Mkt. Fund ) — None — Sold

Ishares Russell 1000 Value ) — None — Sold

Ishares Tr Russell ( ) — Dividend — Buy

Ishares Tr Russell ( ) — Buy (add'l)

Ishares Tr Russell ( ) — Sold (part)

PowerShares S&P 500 Low Volatility ( ) — Dividend — Buy (add'l)

PowerShares S&P 500 Low Volatility ( ) — Sold

PowerShares Qqq Trust ( ) — Dividend — Buy (add'l)

PowerShares Qqq Trust ( ) — Buy (add'l)

PowerShares Qqq Trust ( ) — Buy

PowerShares Qqq Trust ( ) — Sold (part)

PowerShares Qqq Trust ( ) — Sold

Schwab US Broad Mkt ( ) — None — Sold

SPDR S&P 500 ( ) — Dividend — Buy (add'l)

SPDR S&P 500 ( ) — Buy (add'l)

SPDR S&P 500 ( ) — Sold (part)

Vanguard Growth — Dividend — Buy (add'l)

Vanguard Growth — Sold (part)

JPMorgan Emerging Mkts ) — None — Buy

JPMorgan Emerging Mkts ) — Buy (add'l)

Rydex Health Care Fund ( ) — None — Buy

Rydex Health Care Fund ( ) — Buy (add'l)

Rydex Health Care Fund ( ) — Sold

Ishares Core S&P Small ( ) — Dividend — Buy

Ishares Core S&P Small ( ) — Sold (part)

Ishares Core S&P Small ( ) — Sold

Proshares Short S&P ) — None — Buy

Proshares Short S&P ) — Sold

SPDR S&P Homebuilders ( ) — Dividend — Buy

Akre Focus Fund Inst ( ) — None — Buy

Akre Focus Fund Inst ( ) — Sold (part)

Hartford Core Equity ) — Dividend — Buy

Rydex Internet Fund ( ) — None — Buy

Rydex Internet Fund ( ) — Buy (add'l)

Rydex Internet Fund ( ) — Sold (part)

Rydex Inverse Russell 2000 Strategy ( ) — None — Buy

Rydex Inverse Russell 2000 Strategy ( ) — Buy (add'l)

Rydex Inverse Russell 2000 Strategy ( ) — Sold (part)

Rydex Inverse Russell 2000 Strategy ( ) — Sold

Rydex Inverse S&P ) — None — Buy

Rydex Inverse S&P ) — Sold (part)

Rydex Inverse S&P ) — Sold

Rydex Transportation ( ) — None — Buy

Schwab Value Advantage ( — Dividend — Sold (part)

Schwab Value Advantage ( — Buy (add'l)

Schwab Value Advantage ( — Sold (part)

Schwab Value Advantage ( — Sold

Cash ( ) — Interest

T. Rowe Price Capital Appreciation ) — Dividend — Buy (add'l)

T. Rowe Price Capital Appreciation ) — Buy (add'l)

T. Rowe Price Capital Appreciation ) — Sold (part)

Ishares Edge Msci Min ( — Dividend — Buy

Ishares Edge Msci Min ( — Sold (part)

Ishares Edge Msci Min ( — Sold

Ishares Iboxx High Yield ( ) — Dividend — Buy (add'l)

Ishares Iboxx High Yield ( ) — Sold (part)

Ishares Russell 1000 Value ( ) — None — Sold

Ishares Tr Russell ( ) — None — Buy (add'l)

Ishares Tr Russell ( ) — Sold (part)

Ishares Tr Russell ( ) — Sold

Spdr S&P 500 ( ) — Dividend — Sold

American Century Equity ( ) — None — Sold

American Fund High Income ) — Dividend — Sold

Aqr Large Cap Defensive ) — None — Buy (add'l)

Aqr Large Cap Defensive ) — Sold

Doubleline Total Return ) — Dividend — Buy (add'l)

Doubleline Total Return ) — Sold (part)

Doubleline Total Return ) — Sold

Jensen Quality Growth Fund ( ) — Dividend — Buy (add'l)

Jensen Quality Growth Fund ( ) — Sold (part)

Jensen Quality Growth Fund ( ) — Sold

Jhancock International Growth ) — None — Buy (add'l)

Jhancock International Growth ) — Buy (add'l)

Jhancock International Growth ) — Sold (part)

Parnassus Core Equity Fund — Dividend — Buy (add'l)

Parnassus Core Equity Fund — Sold (part)

Ishares Russell 3000 ( ) — Dividend — Buy

Schwab US Lcap Growth ( ) — None — Buy

Schwab US Lcap Growth ( ) — Sold

SPDR S&P MidCap 400 ) — Dividend — Buy

VanEck Vectors Fallen Angel High Yield Bond ( ) — Dividend — Buy

VanEck Vectors Morninbgstar Wide Moat ) — None — Buy

VanEck Vectors Morninbgstar Wide Moat ) — Sold

Calamos Market Neutral Income ) — Dividend — Buy

Harford Core Equity ) — Dividend — Buy

RiverPark Short Term High Yield ) — Dividend — Buy

RiverPark Short Term High Yield ) — Sold

Royce Pennsylvania Mutual Investment ( ) — None — Buy

Rydex Inverse S&P ) — None — Buy

Rydex Inverse S&P ) — Sold

T. Rowe Price Capital Appreciation ) — Dividend — Buy (add'l)

T. Rowe Price Capital Appreciation ) — Sold (part)

Jensen Quality Growth ) — Dividend — Sold (part)

Guggenheim S&P 500 Equal ( — Dividend — Sold (part)

Guggenheim S&P 500 Equal ( — Buy (add'l)

Guggenheim S&P 500 Equal ( — Sold

Ishares Gold ) — None — Sold

Schwab Value Advantage — Dividend — Buy

Schwab Value Advantage — Sold (part)

Schwab Value Advantage — Sold

Cash — Interest

PowerShares S&P 500 Low Volatility — Dividend — Sold

Schwab US Broad Market — Dividend — Sold

Spdr S&P 500 (I — Dividend — Buy (add'l)

Spdr S&P 500 (I — Sold (part)

Vanguard Growth — Dividend — Buy (add'l)

Vanguard Growth — Sold (part)

Invesco Comstock Y ( — None — Sold

JPmorgan Emerging Markets Equity — None — Buy (add'l)

JPmorgan Emerging Markets Equity — Buy (add'l)

JPmorgan Emerging Markets Equity — Sold (part)

Rydex Nova Fund — None — Buy (add'l)

Rydex Nova Fund — Sold (part)

Rydex Nova Fund — Sold

Ishares Tr Russell — Dividend — Buy

Ishares Tr Russell — Buy (add'l)

Ishares Tr Russell — Sold (part)

SPDR S&P Homebuilders — Dividend — Buy

Akre Focus Fund — None — Buy

Akre Focus Fund — Sold (part)

Hartford Core Equity — Dividend — Buy

Rydex Internet Fund — None — Buy

Rydex Internet Fund — Buy (add'l)

Rydex Internet Fund — Sold (part)

Rydex Transportation — None — Buy

Powershares Qqq Trust ( ) — Dividend — Buy

Powershares Qqq Trust ( ) — Buy (add'l)

Powershares Qqq Trust ( ) — Sold

Proshares Short S&P ) — None — Buy

Proshares Short S&P ) — Sold

Rydex Health Care Fund ) — None — Buy

Rydex Health Care Fund ) — Buy (add'l)

Rydex Health Care Fund ) — Sold

Rydex Inverse Russell 2000 Strategy — None — Buy

Rydex Inverse Russell 2000 Strategy — Sold

Rydex Inverse S&P ( — None — Buy

Rydex Inverse S&P ( — Buy (add'l)

Rydex Inverse S&P ( — Sold (part)

Rydex Inverse S&P ( — Sold

Trust # 1

JP MorganChase Bank Account — Interest

John Hancock Life Insurance Policy — Interest

401K Plan

Vanguard Prime Money Market Instl (401k) — Dividend

T. Rowe Price Personal Strat Balanced (401k) — None — Sold

T. Rowe Price Spectrum Moderate Allocation — Dividend — Buy

T. Rowe Price Spectrum Moderate Allocation — Sold

Vanguard Target Ret 2015 — Dividend — Buy

JP Morgan Chase Bank Accounts — Interest

Citibank Accounts — Interest

Citibank Account — Interest

Citibank Account — None — Merged (with line 8)

Keogh (Target) Plan--Plan I — Int./Div. — Distributed (part)

Nassau Life Insurance (Whole Life) — Dividend

Capital "A" Account — None — Distributed

Jensen Quality Growth ( ) — None — Sold (part)

Jensen Quality Growth ( ) — Buy (add'l)

Jensen Quality Growth ( ) — Sold

Cash ( ) — Interest

T. Rowe Price Capital Appreciation ( ) — Dividend — Buy (add'l)

T. Rowe Price Capital Appreciation ( ) — Buy (add'l)

T. Rowe Price Capital Appreciation ( ) — Sold (part)

SPDR S&P 500 Index ( ) — Dividend — Buy (add'l)

SPDR S&P 500 Index ( ) — Sold (part)

Nuveen High Yield Muni Bond Fund C1 A ( ) — Dividend — Buy (add'l)

Nuveen High Yield Muni Bond Fund C1 A ( ) — Sold (part)

IShares Russell 1000 Value ( ) — None — Sold

Ishares Core S&P Small ( ) — None — Buy

Ishares Russell 1000 ( ) — Dividend — Buy

Ishares Russell 1000 ( ) — Sold

Ishares Russell 3000 ( ) — Dividend — Buy

Ishares Russell 3000 ( ) — Sold (part)

Ishares Tr Russell ( ) — None — Buy (add'l)

Ishares Tr Russell ( ) — Sold (part)

Ishares Tr Russell ( ) — Sold

Pacer Trendpilot US ( ) — None — Sold

SPDR Barclays High Yield ( ) — Dividend — Sold (part)

SPDR Barclays High Yield ( ) — Sold (part)

SPDR Barclays High Yield ( ) — Sold

Vanguard FTSE All-World ex-US ) — None — Sold

American Century Equity ( ) — None — Sold

Agr Large Cap Defensive ( ) — None — Buy

Agr Large Cap Defensive ( ) — Sold

Prudential High Yield — Dividend — Sold

Schwab US L Cap Growth ( ) — None — Buy

Schwab US L Cap Growth ( ) — Sold

VanEck Vectors Fallen Angel HiYld ( ) — Dividend — Buy

Vanguard Small Cap ( ) — Dividend — Buy

Vanguard Small Cap ( ) — Sold (part)

BTS Tactical Fixed Income — Dividend — Buy

BTS Tactical Fixed Income — Sold

Calamos Market Neutral Income ( ) — Dividend — Buy

JHancock Intl Growth ( ) — None — Buy

JHancock Intl Growth ( ) — Buy (add'l)

Parnassus Core Equity Fund ( ) — Dividend — Buy

Parnassus Core Equity Fund ( ) — Sold (part)

Rydex Inverse S&P ( ) — None — Buy

Rydex Inverse S&P ( ) — Sold

Schwab Value Fund ( ) — Dividend — Buy

Schwab Value Fund ( ) — Buy (add'l)

Schwab Value Fund ( ) — Sold (part)

Schwab Value Fund ( ) — Sold

T. Rowe Price Capital Appreciation ( ) — Dividend — Buy (add'l)

T. Rowe Price Capital Appreciation ( ) — Sold (part)

Jensen Quality Growth (5 ) — Dividend — Buy (add'l)

Jensen Quality Growth (5 ) — Sold (part)

Schwab Value Advantage ) — Dividend — Buy

Schwab Value Advantage ) — Sold (part)

Schwab Value Advantage ) — Sold

Cash ) — Interest

Guggenheim S&P 500 Equal ( — Dividend — Buy (add'l)

Guggenheim S&P 500 Equal ( — Sold (part)

Guggenheim S&P 500 Equal ( — Sold

Ishares Gold ) — None — Sold

Ishares Msci Emerging Mkt. Fund ) — None — Sold

Ishares Russell 1000 Value ) — None — Sold

Ishares Tr Russell ( ) — Dividend — Buy

Ishares Tr Russell ( ) — Buy (add'l)

Ishares Tr Russell ( ) — Sold (part)

PowerShares S&P 500 Low Volatility ( ) — Dividend — Buy (add'l)

PowerShares S&P 500 Low Volatility ( ) — Sold

PowerShares Qqq Trust ( ) — Dividend — Buy (add'l)

PowerShares Qqq Trust ( ) — Buy (add'l)

PowerShares Qqq Trust ( ) — Buy

PowerShares Qqq Trust ( ) — Sold (part)

PowerShares Qqq Trust ( ) — Sold

Schwab US Broad Mkt ( ) — None — Sold

SPDR S&P 500 ( ) — Dividend — Buy (add'l)

SPDR S&P 500 ( ) — Buy (add'l)

SPDR S&P 500 ( ) — Sold (part)

Vanguard Growth — Dividend — Buy (add'l)

Vanguard Growth — Sold (part)

JPMorgan Emerging Mkts ) — None — Buy

JPMorgan Emerging Mkts ) — Buy (add'l)

Rydex Health Care Fund ( ) — None — Buy

Rydex Health Care Fund ( ) — Buy (add'l)

Rydex Health Care Fund ( ) — Sold

Ishares Core S&P Small ( ) — Dividend — Buy

Ishares Core S&P Small ( ) — Sold (part)

Ishares Core S&P Small ( ) — Sold

Proshares Short S&P ) — None — Buy

Proshares Short S&P ) — Sold

SPDR S&P Homebuilders ( ) — Dividend — Buy

Akre Focus Fund Inst ( ) — None — Buy

Akre Focus Fund Inst ( ) — Sold (part)

Hartford Core Equity ) — Dividend — Buy

Rydex Internet Fund ( ) — None — Buy

Rydex Internet Fund ( ) — Buy (add'l)

Rydex Internet Fund ( ) — Sold (part)

Rydex Inverse Russell 2000 Strategy ( ) — None — Buy

Rydex Inverse Russell 2000 Strategy ( ) — Buy (add'l)

Rydex Inverse Russell 2000 Strategy ( ) — Sold (part)

Rydex Inverse Russell 2000 Strategy ( ) — Sold

Rydex Inverse S&P ) — None — Buy

Rydex Inverse S&P ) — Sold (part)

Rydex Inverse S&P ) — Sold

Rydex Transportation ( ) — None — Buy

Schwab Value Advantage ( — Dividend — Sold (part)

Schwab Value Advantage ( — Buy (add'l)

Schwab Value Advantage ( — Sold (part)

Schwab Value Advantage ( — Sold

Cash ( ) — Interest

T. Rowe Price Capital Appreciation ) — Dividend — Buy (add'l)

T. Rowe Price Capital Appreciation ) — Buy (add'l)

T. Rowe Price Capital Appreciation ) — Sold (part)

Ishares Edge Msci Min ( — Dividend — Buy

Ishares Edge Msci Min ( — Sold (part)

Ishares Edge Msci Min ( — Sold

Ishares Iboxx High Yield ( ) — Dividend — Buy (add'l)

Ishares Iboxx High Yield ( ) — Sold (part)

Ishares Russell 1000 Value ( ) — None — Sold

Ishares Tr Russell ( ) — None — Buy (add'l)

Ishares Tr Russell ( ) — Sold (part)

Ishares Tr Russell ( ) — Sold

Spdr S&P 500 ( ) — Dividend — Sold

American Century Equity ( ) — None — Sold

American Fund High Income ) — Dividend — Sold

Aqr Large Cap Defensive ) — None — Buy (add'l)

Aqr Large Cap Defensive ) — Sold

Doubleline Total Return ) — Dividend — Buy (add'l)

Doubleline Total Return ) — Sold (part)

Doubleline Total Return ) — Sold

Jensen Quality Growth Fund ( ) — Dividend — Buy (add'l)

Jensen Quality Growth Fund ( ) — Sold (part)

Jensen Quality Growth Fund ( ) — Sold

Jhancock International Growth ) — None — Buy (add'l)

Jhancock International Growth ) — Buy (add'l)

Jhancock International Growth ) — Sold (part)

Parnassus Core Equity Fund — Dividend — Buy (add'l)

Parnassus Core Equity Fund — Sold (part)

Ishares Russell 3000 ( ) — Dividend — Buy

Schwab US Lcap Growth ( ) — None — Buy

Schwab US Lcap Growth ( ) — Sold

SPDR S&P MidCap 400 ) — Dividend — Buy

VanEck Vectors Fallen Angel High Yield Bond ( ) — Dividend — Buy

VanEck Vectors Morninbgstar Wide Moat ) — None — Buy

VanEck Vectors Morninbgstar Wide Moat ) — Sold

Calamos Market Neutral Income ) — Dividend — Buy

Harford Core Equity ) — Dividend — Buy

RiverPark Short Term High Yield ) — Dividend — Buy

RiverPark Short Term High Yield ) — Sold

Royce Pennsylvania Mutual Investment ( ) — None — Buy

Rydex Inverse S&P ) — None — Buy

Rydex Inverse S&P ) — Sold

T. Rowe Price Capital Appreciation ) — Dividend — Buy (add'l)

T. Rowe Price Capital Appreciation ) — Sold (part)

Jensen Quality Growth ) — Dividend — Sold (part)

Guggenheim S&P 500 Equal ( — Dividend — Sold (part)

Guggenheim S&P 500 Equal ( — Buy (add'l)

Guggenheim S&P 500 Equal ( — Sold

Ishares Gold ) — None — Sold

Schwab Value Advantage — Dividend — Buy

Schwab Value Advantage — Sold (part)

Schwab Value Advantage — Sold

Cash — Interest

PowerShares S&P 500 Low Volatility — Dividend — Sold

Schwab US Broad Market — Dividend — Sold

Spdr S&P 500 (I — Dividend — Buy (add'l)

Spdr S&P 500 (I — Sold (part)

Vanguard Growth — Dividend — Buy (add'l)

Vanguard Growth — Sold (part)

Invesco Comstock Y ( — None — Sold

JPmorgan Emerging Markets Equity — None — Buy (add'l)

JPmorgan Emerging Markets Equity — Buy (add'l)

JPmorgan Emerging Markets Equity — Sold (part)

Rydex Nova Fund — None — Buy (add'l)

Rydex Nova Fund — Sold (part)

Rydex Nova Fund — Sold

Ishares Tr Russell — Dividend — Buy

Ishares Tr Russell — Buy (add'l)

Ishares Tr Russell — Sold (part)

SPDR S&P Homebuilders — Dividend — Buy

Akre Focus Fund — None — Buy

Akre Focus Fund — Sold (part)

Hartford Core Equity — Dividend — Buy

Rydex Internet Fund — None — Buy

Rydex Internet Fund — Buy (add'l)

Rydex Internet Fund — Sold (part)

Rydex Transportation — None — Buy

Powershares Qqq Trust ( ) — Dividend — Buy

Powershares Qqq Trust ( ) — Buy (add'l)

Powershares Qqq Trust ( ) — Sold

Proshares Short S&P ) — None — Buy

Proshares Short S&P ) — Sold

Rydex Health Care Fund ) — None — Buy

Rydex Health Care Fund ) — Buy (add'l)

Rydex Health Care Fund ) — Sold

Rydex Inverse Russell 2000 Strategy — None — Buy

Rydex Inverse Russell 2000 Strategy — Sold

Rydex Inverse S&P ( — None — Buy

Rydex Inverse S&P ( — Buy (add'l)

Rydex Inverse S&P ( — Sold (part)

Rydex Inverse S&P ( — Sold

Trust # 1

JP MorganChase Bank Account — Interest

John Hancock Life Insurance Policy — Interest

Director, Fordham Law Alumni Association

Trustee, Trust # 1

Director, Fordham Law Alumni Association

Trustee, Trust # 1

Spouse's income — 2020 — Defined Benefit Plan

All information and explanations relate to Part VII:

This is a final report. The Reporting Period means 1/1/20-2/26/21

Line 10: The balance in the Citibank account was transferred to one of the other Citibank accounts maintained by my and me.

Lines 11: As a retiree, my receives monthly distributions from the Keogh (Target) Plan. The aggregate amount of the monthly distributions during the

Reporting Period is listed in column "D(3)" as having been made on February 26, 2021.

Line 13: No contributions were made to the Capital "A" account during the Reporting Period, and the balance in the account was distributed during the Reporting

Period. The aggregate amount of the monthly distributions during the Reporting Period is listed in column "D(3)" as having been made on February 26, 2021.

Lines 14-238: I maintain two IRA brokerage accounts and my and I maintain two brokerage accounts held as tenants in common with Charles Schwab. The

report identifies the security that is the subject of the reported transaction with a parenthetical reference that identifies the last four digits of the account number

and whether the account is an IRA account. Where multiple purchases or sales were made during the Reporting Period, the aggregate amount of the income, if

any, and the value of the asset (if held at the end of the Reporting Period) are reported on the first line on which the asset is listed.

line 241: The John Hancock Life Insurance Policy is a Flexible Premium Survivorship Universal Life ("Second to Die") policy that my and I maintain for

the benefit of our . I am not aware of any investment options and have never directed any investments. In addition, the value listed in column c(2) is the gross

value and does not reflect the substantial "surrender charge" in the event that the policy is cancelled.

This is a copy of a public record, reproduced as it was published. It is not legal advice, and it may not be the version a court would rely on. Check the official source before you cite it.