Front Row left to right:
Donna Svendsen, Eileen Sharkey, Jessica Sare, Joel Javer, Kay Sinclair, Cindy Weeks, Karlton Childress, Mimi Hackley, Kerry Poorman, Scott Brookes, Harold Kirschner, Melissa Baldwin, Larry Howes
Learn about Our Professional Planning Team
Services
Sharkey, Howes & Javer is one of Denver’s oldest and most respected personal financial management firms.
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
Investment
Management needs.
We are conveniently located in central Denver. We have eight highly experienced
CERTIFIED FINANCIAL PLANNERTM 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.
Learn more about our process.
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, over 20% of our clients are no longer working
in a career and are taking income from their portfolios. Retirement is
an exciting time in a person’s life and our clients have 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.
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Asset Management
Your investment portfolio is managed on a fee-only basis to seek a
target, total return consistent with your goals. Your portfolio will be
designed to match your personal risk tolerance and will be balanced to
adhere to your financial goals. Each quarter, you will receive a
cumulative chart that will show you, your portfolio’s investment
performance as compared to your target total return. This chart will
show you very clearly whether or not 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. View our 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 portfolio is 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.
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Retirement Plan Services for Businesses
Review or download our FREE helpful charts:
Contact Us for your complimentary
initial consultation today.
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