# EDGAR Filing Document

**Accession Number:** 0001642246
**File Stem:** 0001642246-23-000001
**Filing Date:** 2023-1
**Character Count:** 13172
**Document Hash:** 1b391def163c753af8ea0cc20a2c20b3
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001642246-23-000001.hdr.sgml**: 20230130

**ACCESSION NUMBER**: 0001642246-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230130

**DATE AS OF CHANGE**: 20230130

**EFFECTIVENESS DATE**: 20230130

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sharkey, Howes & Javer
- **CENTRAL INDEX KEY:** 0001642246
- **IRS NUMBER:** 841156231
- **STATE OF INCORPORATION:** CO
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-16906
- **FILM NUMBER:** 23565551

**BUSINESS ADDRESS:**
- **STREET 1:** 720 S. COLORADO BLVD. STE. 600 SOUTH
- **CITY:** DENVER
- **STATE:** CO
- **ZIP:** 80246
- **BUSINESS PHONE:** 303-639-5100

**MAIL ADDRESS:**
- **STREET 1:** 720 S. COLORADO BLVD. STE. 600 SOUTH
- **CITY:** DENVER
- **STATE:** CO
- **ZIP:** 80246

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Sharkey Howes  Javer<br>**Address:** 720 S. COLORADO BLVD. STE. 600 SOUTH<br>DENVER, CO 80246

**Form 13F File Number:** 028-16906

**SEC File Number (if applicable):** 801-38328

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Joel Javer<br>**Title:** Compliance Officer<br>**Phone:** 303-639-5100

**Signature, Place, and Date of Signing:**

Joel Javer  Denver, CO  01-30-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 94

**Form 13F Information Table Value Total:** $435642013

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 |  | 307252 | 913 | SH |  | SOLE | 0 | 0 | 0 | 913 |
| ANALOG DEVICES INC | COM | 032654105 |  | 956787 | 5833 | SH |  | SOLE | 0 | 0 | 0 | 5833 |
| APPLE INC | COM | 037833100 |  | 902105 | 6943 | SH |  | SOLE | 0 | 0 | 0 | 6943 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 203278 | 851 | SH |  | SOLE | 0 | 0 | 0 | 851 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1166098 | 3775 | SH |  | SOLE | 0 | 0 | 0 | 3775 |
| BLACKROCK ETF TRUST | US CARBON TRANS | 09290C509 |  | 1440923 | 33968 | SH |  | SOLE | 0 | 0 | 0 | 33968 |
| CAMBRIA ETF TR | SHSHLD YIELD ETF | 132061201 |  | 957382 | 16142 | SH |  | SOLE | 0 | 0 | 0 | 16142 |
| CHEVRON CORP NEW | COM | 166764100 |  | 441186 | 2458 | SH |  | SOLE | 0 | 0 | 0 | 2458 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 211263 | 463 | SH |  | SOLE | 0 | 0 | 0 | 463 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 |  | 263442 | 6331 | SH |  | SOLE | 0 | 0 | 0 | 6331 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 521498 | 4728 | SH |  | SOLE | 0 | 0 | 0 | 4728 |
| GLOBAL X FDS | S 500 QLT ETF | 37954Y616 |  | 9416576 | 296772 | SH |  | SOLE | 0 | 0 | 0 | 296772 |
| HOME DEPOT INC | COM | 437076102 |  | 657530 | 2082 | SH |  | SOLE | 0 | 0 | 0 | 2082 |
| INVESCO ACTIVELY MANAGED ETF | BLNCD MLTI AST | 46090A200 |  | 531674 | 36441 | SH |  | SOLE | 0 | 0 | 0 | 36441 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 5520750 | 50404 | SH |  | SOLE | 0 | 0 | 0 | 50404 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 1060352 | 7507 | SH |  | SOLE | 0 | 0 | 0 | 7507 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 391432 | 1470 | SH |  | SOLE | 0 | 0 | 0 | 1470 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 1012096 | 33658 | SH |  | SOLE | 0 | 0 | 0 | 33658 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 |  | 10270003 | 193591 | SH |  | SOLE | 0 | 0 | 0 | 193591 |
| ISHARES TR | ESG ADV TTL USD | 46436E619 |  | 6643462 | 157428 | SH |  | SOLE | 0 | 0 | 0 | 157428 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 8233670 | 362397 | SH |  | SOLE | 0 | 0 | 0 | 362397 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 552986 | 9554 | SH |  | SOLE | 0 | 0 | 0 | 9554 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 3167040 | 33464 | SH |  | SOLE | 0 | 0 | 0 | 33464 |
| ISHARES TR | MSCI KLD400 SOC | 464288570 |  | 4890622 | 68124 | SH |  | SOLE | 0 | 0 | 0 | 68124 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 34929378 | 777418 | SH |  | SOLE | 0 | 0 | 0 | 777418 |
| ISHARES TR | U.S. ENERGY ETF | 464287796 |  | 257936 | 5548 | SH |  | SOLE | 0 | 0 | 0 | 5548 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 5341007 | 71701 | SH |  | SOLE | 0 | 0 | 0 | 71701 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 2552994 | 28012 | SH |  | SOLE | 0 | 0 | 0 | 28012 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 310151 | 13048 | SH |  | SOLE | 0 | 0 | 0 | 13048 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 5239701 | 49656 | SH |  | SOLE | 0 | 0 | 0 | 49656 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 4018668 | 131072 | SH |  | SOLE | 0 | 0 | 0 | 131072 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 930194 | 8739 | SH |  | SOLE | 0 | 0 | 0 | 8739 |
| ISHARES TR | MSCI GBL SUS DEV | 46435G532 |  | 569257 | 7214 | SH |  | SOLE | 0 | 0 | 0 | 7214 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 212924 | 2196 | SH |  | SOLE | 0 | 0 | 0 | 2196 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 4394314 | 60947 | SH |  | SOLE | 0 | 0 | 0 | 60947 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 3327110 | 34737 | SH |  | SOLE | 0 | 0 | 0 | 34737 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 4540423 | 41971 | SH |  | SOLE | 0 | 0 | 0 | 41971 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 436353 | 3829 | SH |  | SOLE | 0 | 0 | 0 | 3829 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 1369869 | 26058 | SH |  | SOLE | 0 | 0 | 0 | 26058 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 900112 | 13692 | SH |  | SOLE | 0 | 0 | 0 | 13692 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1101586 | 7264 | SH |  | SOLE | 0 | 0 | 0 | 7264 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 1758345 | 25311 | SH |  | SOLE | 0 | 0 | 0 | 25311 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 10533093 | 124211 | SH |  | SOLE | 0 | 0 | 0 | 124211 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 1069662 | 19710 | SH |  | SOLE | 0 | 0 | 0 | 19710 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 52048057 | 614136 | SH |  | SOLE | 0 | 0 | 0 | 614136 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 1065246 | 32398 | SH |  | SOLE | 0 | 0 | 0 | 32398 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 1157439 | 5498 | SH |  | SOLE | 0 | 0 | 0 | 5498 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 713922 | 2951 | SH |  | SOLE | 0 | 0 | 0 | 2951 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 2448120 | 11427 | SH |  | SOLE | 0 | 0 | 0 | 11427 |
| ISHARES TR | FALN ANGLS USD | 46435G474 |  | 1347211 | 54742 | SH |  | SOLE | 0 | 0 | 0 | 54742 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 1446528 | 64874 | SH |  | SOLE | 0 | 0 | 0 | 64874 |
| ISHARES TR | MBS ETF | 464288588 |  | 11892559 | 128222 | SH |  | SOLE | 0 | 0 | 0 | 128222 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 982867 | 5637 | SH |  | SOLE | 0 | 0 | 0 | 5637 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 5916660 | 144697 | SH |  | SOLE | 0 | 0 | 0 | 144697 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 454981 | 5442 | SH |  | SOLE | 0 | 0 | 0 | 5442 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 19129603 | 416949 | SH |  | SOLE | 0 | 0 | 0 | 416949 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 310528 | 6233 | SH |  | SOLE | 0 | 0 | 0 | 6233 |
| ISHARES TR | CORE S ETF | 464287200 |  | 74972649 | 195135 | SH |  | SOLE | 0 | 0 | 0 | 195135 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 1483194 | 33085 | SH |  | SOLE | 0 | 0 | 0 | 33085 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 1701428 | 46923 | SH |  | SOLE | 0 | 0 | 0 | 46923 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 11942079 | 142575 | SH |  | SOLE | 0 | 0 | 0 | 142575 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 6174135 | 59230 | SH |  | SOLE | 0 | 0 | 0 | 59230 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 4076700 | 27936 | SH |  | SOLE | 0 | 0 | 0 | 27936 |
| ISHARES U S ETF TR | GSCI CMDTY STGY | 46431W853 |  | 1680361 | 59608 | SH |  | SOLE | 0 | 0 | 0 | 59608 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 422017 | 2389 | SH |  | SOLE | 0 | 0 | 0 | 2389 |
| LITMAN GREGORY FDS TR | IMGP DBI MANAGED | 53700T827 |  | 2429230 | 83450 | SH |  | SOLE | 0 | 0 | 0 | 83450 |
| LOWES COS INC | COM | 548661107 |  | 206213 | 1035 | SH |  | SOLE | 0 | 0 | 0 | 1035 |
| MICROSOFT CORP | COM | 594918104 |  | 1611895 | 6721 | SH |  | SOLE | 0 | 0 | 0 | 6721 |
| PACER FDS TR | GLOBL CASH ETF | 69374H709 |  | 18308997 | 576843 | SH |  | SOLE | 0 | 0 | 0 | 576843 |
| PIMCO ETF TR | 0-5 HIGH YIELD | 72201R783 |  | 337046 | 3776 | SH |  | SOLE | 0 | 0 | 0 | 3776 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 265685 | 1753 | SH |  | SOLE | 0 | 0 | 0 | 1753 |
| QUANTA SVCS INC | COM | 74762E102 |  | 478515 | 3358 | SH |  | SOLE | 0 | 0 | 0 | 3358 |
| READY CAPITAL CORP | COM | 75574U101 |  | 180669 | 16218 | SH |  | SOLE | 0 | 0 | 0 | 16218 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 932508 | 23019 | SH |  | SOLE | 0 | 0 | 0 | 23019 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 1164388 | 25985 | SH |  | SOLE | 0 | 0 | 0 | 25985 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 268133 | 4826 | SH |  | SOLE | 0 | 0 | 0 | 4826 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 35799016 | 473908 | SH |  | SOLE | 0 | 0 | 0 | 473908 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 4617994 | 102281 | SH |  | SOLE | 0 | 0 | 0 | 102281 |
| SCHWAB STRATEGIC TR | INTERNL DIVID | 808524672 |  | 1707238 | 76148 | SH |  | SOLE | 0 | 0 | 0 | 76148 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 1678238 | 25579 | SH |  | SOLE | 0 | 0 | 0 | 25579 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 1077526 | 8659 | SH |  | SOLE | 0 | 0 | 0 | 8659 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 217799 | 2490 | SH |  | SOLE | 0 | 0 | 0 | 2490 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1731583 | 4528 | SH |  | SOLE | 0 | 0 | 0 | 4528 |
| SPDR SER TR | NUVEEN BLMBRG SH | 78468R739 |  | 4025293 | 85681 | SH |  | SOLE | 0 | 0 | 0 | 85681 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 670142 | 26667 | SH |  | SOLE | 0 | 0 | 0 | 26667 |
| SPDR SER TR | PORTFOLIO SHORT | 78464A474 |  | 1766619 | 60130 | SH |  | SOLE | 0 | 0 | 0 | 60130 |
| SPDR SER TR | S 600 SML CAP | 78464A813 |  | 424697 | 5166 | SH |  | SOLE | 0 | 0 | 0 | 5166 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 3655504 | 93996 | SH |  | SOLE | 0 | 0 | 0 | 93996 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 323255 | 587 | SH |  | SOLE | 0 | 0 | 0 | 587 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 343557 | 648 | SH |  | SOLE | 0 | 0 | 0 | 648 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1086550 | 3093 | SH |  | SOLE | 0 | 0 | 0 | 3093 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1208703 | 6322 | SH |  | SOLE | 0 | 0 | 0 | 6322 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 4022652 | 23378 | SH |  | SOLE | 0 | 0 | 0 | 23378 |
| XCEL ENERGY INC | COM | 98389B100 |  | 223600 | 3189 | SH |  | SOLE | 0 | 0 | 0 | 3189 |

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