Inside the Economy with SH&J: November 23, 2015

The Federal Reserve shows a textbook yield curve in anticipation of a raise of rates, inflation continues to be an important economic indicator and new housing starts are slowing all in this week’s edition of Inside the Economy with SH&J. Larry also covers consumer spending and comments, “Those who are betting on a huge Christmas, well, I wouldn’t bet the farm.” A shorter discussion than normal this week, but an informative one which will give you some Thanksgiving table talking points. Listen in!

Happy Thanksgiving from Sharkey, Howes and Javer

Thanksgiving Autumn Fall background with red, brown and yellow leaves and pumpkin

At Thanksgiving we take time to reflect on how thankful we are for you — our clients. We hope you have a wonderful Thanksgiving surrounded by loved ones. We will be closed on Thursday, November 26th and Friday, November 27th to allow our team to celebrate the holiday.

In the spirit of the season, enjoy this excerpt from the poem “The Pumpkin” by John Greenleaf Whittier. Read the full poem here 

Ah! on Thanksgiving day, when from East and from West,

From North and from South comes the pilgrim and guest;

When the gray-haired New Englander sees round his board

The old broken links of affection restored,

When the care-wearied man seeks his mother once more,

And the worn matron smiles where the girl smiled before,

What moistens the lip and what brightens the eye?

What calls back the past, like the rich Pumpkin pie?


Happy Thanksgiving!

Retirement Savings 101: What’s the Difference between a Roth 401(k) and a Traditional 401(k)?

Retirement golden eggs on dollars, IRA in focus, 401k blurryDid you know many employers offer a traditional 401(k) and a Roth 401(k)? Learn the difference between the two to see what’s right for you.

Last week we covered the difference between Roth and Traditional IRAs. This week we look at the differences between Roth and Traditional 401(k)s.

Let’s start by defining the 401(k)…

401(k)s are retirement savings plans sponsored by an employer. Employees can defer all or part of their paycheck to the plan, as long as you are within the IRS limits. You can think of it as a deferred salary. Many companies will also match contributions to the plan. Continue reading

Inside the Economy with SH&J: November 9, 2015

Larry Howes covered a gamut of information this week including the possibility of a Federal Reserve rate increase, consumer confidence, real estate, and oil’s slow recovery. His commentary led to many investigative questions from the team on everything from unemployment to Mexico’s supposed recovery and especially China. Larry discussed China’s “fundamental flaw” and went into depth on their unrealistic drive to become a consumer economy saying, “China wants to become a consuming economy, but you need income to be a consuming economy.” Don’t miss one of the best economic discussions the SH&J team has had in some time. Listen in!

Meet Melissa Baldwin


Name: Melissa Baldwin

Title: Certified Financial Planner™

SH&J team member since: January, 2011



My favorite thing about working at Sharkey, Howes & Javer is…

TEAMWORK! We all come from different backgrounds and have different views and insight on various topics and it is great to be able to use each other as a sounding board. Teamwork and collaboration opens the door for more perspective in problem solving and options for clients to reach their goals.

Continue reading

An Evening of Entertainment with Sharkey, Howes & Javer

On October 22, 2015, we held our annual client appreciation event. This year’s festivities were a little different than our previous events, as Sharkey, Howes & Javer was celebrating its 25th Anniversary. Rather than hosting our usual educational seminar, we hosted “An Evening of Entertainment” to celebrate twenty five successful years with the people who made it all possible, our clients.

The celebration took place at the beautiful Seawell Grand Ballroom within the Denver Center for the Performing Arts complex with approximately 380 of our clients in attendance. With lighting and drapery filling the ballroom, the ambiance set a festive mood for everyone.

The evening began with a cocktail hour, which included appetizers, drinks, and a magician who left guests in wonderment as to how he performed such tricks as turning dollar bills into one hundred dollar bills…If only we all knew his secret!

Following the cocktail hour, Eileen Sharkey presented a series of heartfelt speeches honoring our clients, staff, and her partners of 25 years, Joel Javer and Larry Howes.

Guests enjoyed a delicious dinner, and watched musical performances that took them on a journey through the years of Broadway. Acts included West Side Story, Grease, Chicago, Jersey Boys, and Rock of Ages.

The evening was a very special night for not only the clients in attendance, but for the partners and employees of Sharkey, Howes & Javer as we celebrated this important milestone.

On behalf of the entire team at SH&J, we want to thank each and every client for your continued trust and loyalty. We owe these past 25 years to you, and we look forward to the next 25 with you!

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