Services

Sharkey, Howes & Javer is one of Denver’s longest standing personal financial management firms in Colorado. Our fee-only approach assures that you are paying only for objective, personalized advice rather than paying commissions for products sold. Our professional advisors guide you in meeting your Financial Planning and Asset Management needs.

We are conveniently located in central Denver and we have seven highly experienced CERTIFIED FINANCIAL PLANNER^TM professionals, and a Retirement Plan Specialist ready to help you.

Financial Planning

Evaluation

Your goals and objectives are carefully considered and balanced against your assets and resources to develop an objective picture of your financial circumstances. This is a process of exploration – exploring your desired lifestyle now and in the future, as well as determining what you would like to provide for your loved ones.

Financial Plan

Your financial plan is tailored to your individual goals and needs. Our recommendations are provided in a personalized, original document - not a packaged computer program - designed to fit your unique situation. We believe in providing realistic and achievable Financial Plans for you to follow.

Retirement Planning

Although we rarely see any individual conforming to the traditional definition of retirement, we have over 500 clients who are currently no longer working in a career and are taking income from their portfolios. Retirement is an exciting time in a person’s life and each of our clients has created their own definition of retirement – their own definition of success.

Our Retirement Planning process emphasizes the resources needed and outlines many of the variables necessary to effect a successful retirement. As part of the process, a variety of avenues are explored and ultimately you are given very clear instructions on how to achieve your own retirement.

College Planning

Planning to fund a college education is important for parents, those returning to school and those who want to help someone pay for an education while also enjoying some tax benefits. After gaining an in-depth understanding of your education goals, we outline the savings rate and investment vehicles that are most effective in helping you achieve these goals. Visit our College Planning page for a list of helpful web sites.

Estate Planning

As part of a Financial Plan, effective Estate Planning makes maximum use of all of the tax credits and laws to preserve and equitably distribute an estate. The best and most equitable distribution plans can be complex and emotional. We can help simplify your Estate Plan and assure that your wishes are carried out. The drafting of documents is the final step in a good design.

Insurance Planning

As part of a Financial Plan, we objectively evaluate your need for Life, Disability, Long-Term Care and other types of insurance coverage. We also recommend the appropriate amount, type, beneficiary designations, and deductibles you will need to meet your insurance needs.

Asset Management

Your investment portfolios are managed on a fee-only basis to seek a target total return consistent with your goals. All portfolios are designed to match your personal risk tolerance and are balanced to adhere to your financial goals. Each quarter, you will receive a cumulative chart that shows your portfolio’s investment performance as compared to your target total return. This tells you very clearly whether your investments are on track to meet your goals.

Straight Forward Fees

Our fees are fixed, based on a flat percentage of the assets under management, billed in arrears. We are not compensated by anyone other than you, our client. There are no commissions, “marketing fees,” or any other compensation paid to Sharkey, Howes & Javer Fee Schedule

Asset Allocation

Investment accounts can be individually designed and carefully allocated to meet your specific goals.

Quarterly Statements

Each quarter you will receive an easy-to-read investment statement that illustrates all deposits and withdrawals and outlines your specific investment performance. These quarterly reports provide a clear picture of how your portfolios are performing compared to your targeted total return.

Stress Relief

As long as your portfolio is keeping pace with your investment objective, you know you are on the road to financial independence.

Retirement Plan Services for Businesses

Profit Sharing Plans
Solo 401k Plans
Money Purchase Plans
Cross-Tested Plans

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