Sharkey Howes & Javer Inc

SHJ Wealth Advisors, formerly Sharkey, Howes & Javer, Inc., is a Denver-based fee-only financial advisory firm specializing in personal financial planning. Established in 1990, the firm offers comprehensive investment services, including asset allocation, portfolio design, retirement planning, and ongoing advisory services. Their investment management services incorporate a mix of assets such as mutual funds, individual stocks, bonds, and ETFs, tailored to clients' risk tolerance and financial goals. SHJ acts as a fiduciary, always prioritizing clients' best interests. Clients have the option to integrate ESG considerations into their portfolios. The firm's fee structure is transparent, with annual investment management fees ranging from 0.50% to 1.00% based on portfolio size. Financial planning services are offered at a cost ranging from $2,000 to $15,000, depending on complexity. SHJ does not charge performance-based fees and typically works with clients with a minimum investment account size of $250,000. Clients have investment discretion, allowing SHJ to make necessary changes efficiently. The firm emphasizes transparency, providing easy-to-understand quarterly reports and encouraging clients to compare custodian statements. SHJ's team, led by Lawrence E. Howes, Karlton D. Childress, and Melissa J. Baldwin, boasts extensive financial expertise and adheres to a strict Code of Ethics to ensure client interests are paramount. The firm has a clean disciplinary record and does not engage in brokerage practices that involve commissions.