FAQs

Questions? We Have Answers.

You may have questions that you would like answered before coming to see us. Please meet our team who answers many frequently asked questions below.

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How do you manage investments?

We manage your investments by carefully allocating them among many different asset classes to provide you with investment diversification. Your portfolio is carefully monitored and quarterly reports are sent to you to update you on the performance of your portfolio. Read More

You say you work as a team. What does that mean?

We primarily use no-load mutual funds, some individual stocks, bonds and Exchange Traded Funds (a mutual fund that trades like a stock).

How often do you review my portfolio?

Your portfolio is reviewed at least three times per year to make sure it is line with your designed allocation. We will also review your portfolio when you deposit or withdraw cash, if we change the overall allocation, or if an investment in your portfolio no longer meets our criteria.

Who selects the investments for my account?

The planner you select to work with is responsible for selecting appropriate investments for your portfolio from a list approved by Sharkey, Howes & Javer’s investment committee. Read More

How often do you buy and sell assets?

We generally sell investments when they no longer meet our investment criteria or your needs. The proceeds are normally invested in a suitable replacement. Furthermore, throughout the year and at year-end in taxable accounts, we will harvest tax losses if available, as well as evaluate the impact of capital gains distributions on your portfolio, possibly avoiding such distributions if necessary.

Do you require discretion over my investment accounts?

Yes, we do require discretion over your investment accounts. When you first meet with us, we will provide you with a recommended portfolio for your review and approval. When changes are required, we need to make these changes as quickly as possible. To do this effectively, we require discretion to properly manage your account. Your custodian (Charles Schwab or TD Ameritrade) will send trade confirmations of any changes we make for you.

Section title

How do you manage investments?

We manage your investments by carefully allocating them among many different asset classes to provide you with investment diversification. Your portfolio is carefully monitored and quarterly reports are sent to you to update you on the performance of your portfolio. Read More

You say you work as a team. What does that mean?

We primarily use no-load mutual funds, some individual stocks, bonds and Exchange Traded Funds (a mutual fund that trades like a stock).

How often do you review my portfolio?

Your portfolio is reviewed at least three times per year to make sure it is line with your designed allocation. We will also review your portfolio when you deposit or withdraw cash, if we change the overall allocation, or if an investment in your portfolio no longer meets our criteria.

Who selects the investments for my account?

The planner you select to work with is responsible for selecting appropriate investments for your portfolio from a list approved by Sharkey, Howes & Javer’s investment committee. Read More

How often do you buy and sell assets?

We generally sell investments when they no longer meet our investment criteria or your needs. The proceeds are normally invested in a suitable replacement. Furthermore, throughout the year and at year-end in taxable accounts, we will harvest tax losses if available, as well as evaluate the impact of capital gains distributions on your portfolio, possibly avoiding such distributions if necessary.

Do you require discretion over my investment accounts?

Yes, we do require discretion over your investment accounts. When you first meet with us, we will provide you with a recommended portfolio for your review and approval. When changes are required, we need to make these changes as quickly as possible. To do this effectively, we require discretion to properly manage your account. Your custodian (Charles Schwab or TD Ameritrade) will send trade confirmations of any changes we make for you.

Section title

How do you manage investments?

We manage your investments by carefully allocating them among many different asset classes to provide you with investment diversification. Your portfolio is carefully monitored and quarterly reports are sent to you to update you on the performance of your portfolio. Read More

You say you work as a team. What does that mean?

We primarily use no-load mutual funds, some individual stocks, bonds and Exchange Traded Funds (a mutual fund that trades like a stock).

How often do you review my portfolio?

Your portfolio is reviewed at least three times per year to make sure it is line with your designed allocation. We will also review your portfolio when you deposit or withdraw cash, if we change the overall allocation, or if an investment in your portfolio no longer meets our criteria.

Who selects the investments for my account?

The planner you select to work with is responsible for selecting appropriate investments for your portfolio from a list approved by Sharkey, Howes & Javer’s investment committee. Read More

How often do you buy and sell assets?

We generally sell investments when they no longer meet our investment criteria or your needs. The proceeds are normally invested in a suitable replacement. Furthermore, throughout the year and at year-end in taxable accounts, we will harvest tax losses if available, as well as evaluate the impact of capital gains distributions on your portfolio, possibly avoiding such distributions if necessary.

Do you require discretion over my investment accounts?

Yes, we do require discretion over your investment accounts. When you first meet with us, we will provide you with a recommended portfolio for your review and approval. When changes are required, we need to make these changes as quickly as possible. To do this effectively, we require discretion to properly manage your account. Your custodian (Charles Schwab or TD Ameritrade) will send trade confirmations of any changes we make for you.

For a personal introduction to our team, please contact us today. We look forward to hearing from you and answering your questions!

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