Bookends Financial Planning

Investing & Planning Services

Investment & Planning FAQs

What types of accounts are available?

Retail brokerage, IRA, Roth IRA, Beneficiary IRA, Trust accounts and employer sponsored plans.

What financial planning services are offered?

We look at a client’s whole financial life. Integrated with Advisor Access and Client Center, Goal Planning & Monitoring is Raymond James’ retirement and financial planning software that allows us to identify and track client goals, determine appropriate asset allocation targets, analyze retirement withdrawal rates and clearly illustrate the probability of achieving retirement or any other goal.

What investment products are available?

Managed accounts, equities, mutual funds, ETF’s, bonds, UIT’s, alternatives, structured products, closed-end funds, options, annuities, life insurance, LTC insurance and 529 Plans.

How do you decide what investment mix to recommend?

We make recommendations based on risk tolerance and guidance from the financial plan results. Raymond James does not incentivize us to make one recommendation over another and we do not have proprietary funds. We strongly consider the cost of investing and are transparent on fees and expenses.

What are your fees and how are they paid?

We primarily used a fee-based platform for money management; the fees vary based on portfolio and account size and come directly out of your investment account on a quarterly basis. We also offer commission accounts which would involve a sales charge upon purchase and for some holdings, at sale. For clients who prefer planning without investment management, we have an hourly rate and annual packages available.

What is a CFA?

The Chartered Financial Analyst (CFA) Program is a professional credential offered internationally by the American-based CFA Institute to investment and financial professionals. It covers a broad range of topics relating to investment management, financial analysis, stocks, bonds and derivatives, and includes a generalist knowledge of other areas of finance. Gene Trueblood is a CFA and manages customized portfolios for our clients.

What services and resources does the Raymond James Home Office provide?

We are independent advisors who have chosen Raymond James as our broker dealer. We believe in the Client First culture and feel that the support we receive from home office is exemplary. From research and planning, education and development, compliance and practice management support, Raymond James gives us the resources to serve our client’s needs.

Do you refer to other professionals for tax and estate planning services?

Yes. We believe in having strong relationships with professionals who cover areas of your financial life that we do not.

Do you have Trust services?

Yes, Raymond James Trust Department is a wonderful partner. We can also work with trust departments locally.

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