Sharkey Howes & Javer Inc

Sharkey, Howes & Javer (SHJ Wealth Advisors) serves individual and high-net-worth clients, trustees and businesses with fee-only financial planning and discretionary investment management. The firm provides written financial plans, ongoing portfolio oversight and retirement-plan consulting, and operates an internet-based company retirement plan called SHJ401k.com.

Portfolios are constructed by an internal Investment Committee that blends fundamental and technical analysis with an economic overlay and active asset allocation across mutual funds, ETFs, individual securities, municipal and corporate bonds, and interval (limited-liquidity) funds. SHJ tailors allocations to client risk tolerance, offers an ESG overlay option, and uses a third-party platform to monitor and, with client authorization, manage held-away employer-sponsored retirement accounts.

What is noteworthy for a team firm is SHJ’s emphasis on employer retirement-plan services and participant education: the brochure describes an internet plan administered with ePlan Services and references support for events and seminars. The firm also highlights operational choices intended to avoid custody (the held-away platform) and the inclusion of interval funds and held-away account management as distinctive elements of its service model.