Bookends Financial Planning ("Bookends" or the "firm") is an SEC-registered investment adviser with its principal place of business located in Indianapolis, Indiana. The firm began conducting business in 2009 and registered with the SEC in 2020. Listed below are the firm's principal owners:
• Sarah Elizabeth Boston
• Heidi Wetzel Hargis Bookends offers the following advisory services to our clients: Individual Portfolio Management Our firm provides continuous asset advice to clients regarding the investment of client funds based on the individual needs of the clients. Through personal discussions in which goals and objectives based onthe client's particular circumstances are established, we develop the client's personal investment policy.We create and manage a portfolio based on that policy. During our data-gathering process, we determine the client's individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we may also review and discuss a client's prior investment history, as well as family composition and background. We manage these advisory accounts on a discretionary and non-discretionary basis. Account supervisionis guided by the client's stated objectives (i.e., capital preservation, growth, income, or growth and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Once the client's portfolio has been established, we review the portfolio periodically, but not less than annually and if necessary, rebalance the portfolio on a periodic basis based on the client's individual needs. It is the client’s responsibility to notify the firm promptly of any significant change in the information provided by the client and any other significant change in client’s financial circumstances or investment objectives that might affect the manner in which the firm will manage client’s account. This notification allows the firm to review, assess and modify, if necessary, any recommendations or services. Our investment recommendations are not limited to any specific product or service offered by a broker- dealer or insurance company and will generally include advice regarding the following securities: ◻ Exchange-listed securities ◻ Foreign issuers ◻ Corporate debt securities ◻ Certificates of deposit ◻ Municipal securities ◻ Variable annuities ◻ Fixed annuities ◻ Mutual fund shares ◻ United States governmental securities ◻ Stock options Because some types of investments involve certain additional degrees of risk, they will be implemented when consistent with the client's stated investment objectives, tolerance for risk, liquidity, and suitability. Financial Planning We provide financial planning services. Financial planning is a comprehensive evaluation of a client's current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. Through the financial planning process, all questions, information, and analysis are considered as they impact and are impacted by the entire financial and life situation of the client. Clients purchasing this service receive a written report which provides the client with a detailed financial plan designed to assist the client achieve his or her financial goals and objectives. In general, the financial plan can address any or all of the following areas: ◻ PERSONAL: We review family records, budgeting, personal liability, estate information and financial goals. ◻ TAX & CASH FLOW: We analyze the client's income tax and spending and planning for past,current and future years; then illustrate the impact of various investments on the client's current income tax and future tax liability. Bookends does not provide legal or tax advice. You should consult your counsel and accountant about your individual tax circumstances. ◻ INVESTMENTS: We analyze investment alternatives and their effect on the client's portfolio. ◻ INSURANCE: We review existing policies to ensure proper coverage for life, health, disability,long-term care, liability, home, and automobile. ◻ RETIREMENT: We analyze current strategies and investment plans to help the client achieve his or her retirement goals. ◻ DEATH & DISABILITY: We review the client's cash needs at death, income needs of survivingdependents, estate planning and disability income. ◻ ESTATE: We assist the client in assessing and developing long-term strategies, including as appropriate, living trusts, wills, review estate tax, powers of attorney, asset protection plans, nursing homes, Medicaid, and elder law. We gather required information through personal interviews. Information gathered includes but is not limited to the client's current financial status, tax status, future goals, returns objectives and attitudes towards risk. We review documents supplied by the client and prepare a written report. Should the client choose to implement the recommendations contained in the plan, we suggest the client work closely with his/her attorney, accountant, insurance agent, and/or stockbroker. Implementation of financial plan recommendations is at the client’s discretion. We also provide general non-securities advice on topics that may include tax and budgetary planning,estate planning and business planning. Financial Planning recommendations are not limited to any specific product or service offered by a broker- dealer or insurance company. Wrap Fee Programs and Separately Managed Account Fees Bookends offers its clients various wrap fee program options through sponsors Raymond James. Wrap fee programs offered by the sponsors include, among other arrangements, outside manager, and subadvisor arrangements. Such fees may include the investment advisory fees of the independent advisers, which may be charged as part of a wrap fee arrangement. In a wrap fee arrangement, clients pay a single fee for advisory, brokerage and custodial services. Client's portfolio

transactions may be executed without commission charge in a wrapfee arrangement. In evaluating such an arrangement, the client should also consider that, depending upon the level of the wrap fee charged by the broker-dealer, the amount of portfolio activity in the client's account, and other factors, the wrap fee may or may not exceed the aggregate cost of such services if they were to be provided separately. We will review with clients any separate program fees that may be charged to clients. Bookends offers its clients various wrap fee program options through sponsors Raymond James. Wrapfee programs offered by the sponsors include, among other arrangements, outside manager, or subadvisor arrangements. Bookends may use several managed programs available through Raymond James & Associates (“RJA”). Specifically, the Registrant engages the Asset Management Division (“AMS”) division of RJA to provide discretionary investment management services as a sub-advisor. For certain AMS Managed Programs, RJA also retains an unaffiliated investment manager (“Manager”) as a sub- advisor to RJA. This Manager provides discretionary investment management of the client’s portfolio through RJA, making the investment decisions and placing the trades in the client’s account. Bookends then monitors the client’s account to ensure that the Program selected and the Manager RJA has selected continueto be consistent with the client’s investment objective. The AMS Managed Programs available to our clients through RJA are described below. Assets in these accounts will be invested and reinvested as RJA or the Manager deem in the client’s best interest to achieve investment objectives identified by the Registrant, without regard to holding period, portfolio turnover or resulting gain or loss. If a participating client informs Bookends of a change in the client’s financial situation or investment objectives, Bookends assesses the continued appropriateness of the previously selected investment discipline(s) and makes changes as Bookends deems appropriate. Similarly, if RJA changes its opinion of a Manager or investment discipline, RJA will ask Bookends to select a new Manageror investment discipline for a participating client. The Freedom Program The Freedom Program allocates client assets through mutual fund or exchange traded fund (“ETF”) management, based upon the client’s investment objectives and risk tolerances. A participating client appointsthe Registrant as their investment advisor to select the appropriate investment strategy and to monitor performance on a continuing basis. RJA serves as sub-advisor to the Registrant for Freedom accounts and has discretionary authority over these accounts. As sub- advisor, RJA provides asset allocation investment strategies and respective target allocations, selects and monitors investments in the strategies, and rebalances Freedom accounts annually based on variancefrom the target allocation. In addition, RJA or its affiliates perform administrative and brokerage services for Freedom accounts. The Raymond James Consulting Services Program For clients participating in the Raymond James Consulting Services Program, Bookends selects the appropriate investment discipline(s) to be followed for the client’s account. As sub-advisor to Bookends, RJA then recommends and monitors one or more third-party Managers with which RJA has entered into a separate sub- advisory agreement. Some Managers provide RJA model portfolios representing securities recommended by the Manager for designated investment disciplines and thereafter communicate periodic updates to RJA as changes occur to such model portfolios. If Bookends selects a model portfolio investment discipline for a client, RJA has discretionary authority to effect purchases and sales of model portfolio securities for the client’s account. For all other investment disciplines in this program not classified as model portfolios, the Manager will exercise discretionary investment authority over the client’s account based on the selected investment discipline(s) and the client’s profile. Publication of Periodicals and Educational Workshops and Seminars Bookends publishes periodic newsletters, blogs and podcasts providing general information on various financial topics including, but not limited to estate and retirement planning and market trends. These publications are distributed free of charge to our advisory clients. Bookends also conducts periodic educational workshops and seminars providing general information on various financial topics including, but not limited to estate and retirement planning and market trends. These educational workshops and seminars are conducted free of charge to our advisory clients. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requiresus to act in your best interest and not put our interests ahead of yours. Under this special rule's provisions, we must: ◻ Meet a professional standard of care when making investment recommendations; ◻ Never put our financial interests ahead of yours when making recommendations; ◻ Avoid misleading statements about conflicts of interest, fees, and investments; ◻ Follow policies and procedures designed to ensure that we give advice that is in your best interest; ◻ Charge no more than is reasonable for our services; and ◻ Give you basic information about conflicts of interest. For more information about our conflicts of interest, please review items 5, 10, 11 and 14 or reach outto us using the contact information on the cover page of this brochure. AMOUNT OF MANAGED ASSETS As of December 31, 2023, Bookends manages $252,635,000 of client assets on a discretionary basis and $1,427,000 of client assets on a non-discretionary basis.