<?xml version="1.0" encoding="UTF-8"?>
<!-- generator="wordpress.com" -->
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>https://blog.shwj.com/2017/03/02/inside-the-economy-with-shj-february-27-2017/</loc><lastmod>2017-03-02T16:21:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2017/02/15/inside-the-economy-with-shj-february-13-2017/</loc><lastmod>2017-02-15T17:55:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2017/02/21/the-economics-of-presidency-a-look-back/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/02/shj022117_presidents_day_blog_image.jpg</image:loc><image:title>shj022117_presidents_day_blog_image</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/02/shj_annual_real_gdp_growth1.png</image:loc><image:title>shj_annual_real_gdp_growth</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/02/shj_annual_real_gdp_growth.png</image:loc><image:title>shj_annual_real_gdp_growth</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/02/shj_average_job_gains_per_month.png</image:loc><image:title>shj_average_job_gains_per_month</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/02/shj_debt_added_during_term.png</image:loc><image:title>shj_debt_added_during_term</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/02/shj_average_unemployment_rates-1.png</image:loc><image:title>shj_average_unemployment_rates-1</image:title></image:image><lastmod>2017-02-07T00:27:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2017/02/13/5-reasons-to-be-frugal-even-when-you-can-spend-more/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/02/shj021317_5_reasons_to_be_frugal_blog_image.jpg</image:loc><image:title>shj021317_5_reasons_to_be_frugal_blog_image</image:title></image:image><lastmod>2017-02-06T23:55:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2017/02/07/financial-planning-for-blended-families-3-stages-of-life/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/02/shj020717_blended_families_blog_image.jpg</image:loc><image:title>shj020717_blended_families_blog_image</image:title></image:image><lastmod>2017-02-06T23:38:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2017/01/31/inside-the-economy-with-shj-january-30-2017/</loc><lastmod>2017-01-31T22:11:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2017/01/31/5-important-questions-to-ask-yourself-before-deciding-to-go-back-to-school/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/01/shj013117_back_to_school_blog_image.jpg</image:loc><image:title>shj013117_back_to_school_blog_image</image:title></image:image><lastmod>2017-01-31T17:03:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2017/01/24/our-thoughts-on-the-dow-and-20k/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/01/sharkey_howes_javer_dow_jones_20000.jpeg</image:loc><image:title>Stock Market - newspaper business concept</image:title></image:image><lastmod>2017-01-24T17:52:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2017/01/24/the-aging-brain-and-decision-making/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/01/shj012417_aging_brain_and_finances.jpg</image:loc><image:title>shj012417_aging_brain_and_finances</image:title></image:image><lastmod>2017-01-18T23:08:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2017/01/17/inside-the-economy-with-shj-january-16-2017/</loc><lastmod>2017-01-17T21:07:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2017/01/17/buying-and-selling-real-estate-during-the-winter-months/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/01/shj011617_buyingselling_in_winter_months_blog_image.jpg</image:loc><image:title>shj011617_buyingselling_in_winter_months_blog_image</image:title></image:image><lastmod>2017-01-17T21:01:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2017/01/13/dow-20000-and-the-history-of-the-dows-milestones/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/01/shj_sharkey_howes_javer_important_dow_milestones.png</image:loc><image:title>shj_sharkey_howes_javer_important_dow_milestones</image:title></image:image><lastmod>2017-01-13T22:34:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2017/01/11/tax-smarts/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/01/shj011017_tax_smarts_blog_image-2.jpg</image:loc><image:title>shj011017_tax_smarts_blog_image-2</image:title></image:image><lastmod>2017-01-11T17:29:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2017/01/05/inside-the-economy-with-shj-january-3-2016/</loc><lastmod>2017-01-05T23:49:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2017/01/04/7-beneficial-habits-to-move-you-towards-financial-freedom/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2017/01/shj010417_financial_freedom_blog_image.jpg</image:loc><image:title>shj010417_financial_freedom_blog_image</image:title></image:image><lastmod>2017-01-04T23:35:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/12/27/organizing-your-financial-documents/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/12/shj122716_organizing_financial_documents_blog_image.jpg</image:loc><image:title>shj122716_organizing_financial_documents_blog_image</image:title></image:image><lastmod>2017-01-25T16:29:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/12/20/inside-the-economy-with-shj-december-19-2016/</loc><lastmod>2016-12-20T17:37:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/12/19/new-year-new-goals-evaluate-your-finances-and-make-a-plan-for-2017/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/12/shj121916_new_years_resolution_blog_image.jpg</image:loc><image:title>shj121916_new_years_resolution_blog_image</image:title></image:image><lastmod>2016-12-19T20:49:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/12/13/holiday-spending-hangover/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/12/shj121316_happy_holidays.png</image:loc><image:title>shj121316_happy_holidays</image:title></image:image><lastmod>2016-12-09T22:36:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/12/08/inside-the-economy-with-shj-december-5-2016/</loc><lastmod>2016-12-09T00:14:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/10/18/cost-of-living-in-the-unites-states-1975-vs-2015/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/10/screen-shot-2016-10-18-at-1-15-53-pm.png</image:loc><image:title>screen-shot-2016-10-18-at-1-15-53-pm</image:title></image:image><lastmod>2016-12-06T19:12:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/12/05/the-future-of-retail-3-predictions-for-whats-to-come/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/11/shj120616_retail_future_in_america_blog.jpg</image:loc><image:title>shj120616_retail_future_in_america_blog</image:title></image:image><lastmod>2016-12-05T18:03:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/11/29/should-i-consider-a-partial-roth-conversion/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/11/shj113016_roth_conversions.jpeg</image:loc><image:title>shj113016_roth_conversions</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/11/photo-1476242906366-d8eb64c2f661.jpeg</image:loc><image:title>photo-1476242906366-d8eb64c2f661</image:title></image:image><lastmod>2016-11-23T18:31:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/11/22/inside-the-economy-with-shj-november-21-2016/</loc><lastmod>2016-11-22T18:06:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/11/22/taking-a-moment-to-reflect-on-what-we-are-grateful-for/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/11/shj112116_thanksgiving_behind_the_scenes_blog_image.jpeg</image:loc><image:title>shj112116_thanksgiving_behind_the_scenes_blog_image</image:title></image:image><lastmod>2016-11-22T17:30:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/11/18/if-a-significant-other-isnt-truthful-about-finances/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/11/photo-1443130128240-22fb98ca70a4.jpeg</image:loc><image:title>photo-1443130128240-22fb98ca70a4</image:title></image:image><lastmod>2016-11-18T23:11:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/11/09/inside-the-economy-with-shj-election-edition/</loc><lastmod>2016-11-09T23:32:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/11/07/3-steps-to-take-immediately-after-you-discover-your-identity-was-stolen/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/11/shj110716_stolen_identity_blog_image-2.jpg</image:loc><image:title>shj110716_stolen_identity_blog_image-2</image:title></image:image><lastmod>2016-11-07T17:10:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/11/01/retirement-plans-for-small-businesses/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/11/shj_small_business_retirement_plans_blog_image.jpeg</image:loc><image:title>shj_small_business_retirement_plans_blog_image</image:title></image:image><lastmod>2016-11-01T17:43:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/10/24/cash-isnt-king-mobile-is-an-overview-of-new-payment-methods/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/10/shj102416_cash_is_king_payment_methods_blog_image.jpeg</image:loc><image:title>shj102416_cash_is_king_payment_methods_blog_image</image:title></image:image><lastmod>2016-10-24T19:42:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/10/11/inside-the-economy-with-shj-october-10-2016/</loc><lastmod>2016-10-11T20:16:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/10/10/thinking-of-buying-a-vacation-home-consider-these-7-things-before-you-commit/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/10/shj101016_purchasing_vacation_house_blog_image_2.jpeg</image:loc><image:title>shj101016_purchasing_vacation_house_blog_image_2</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/10/shj101016_buying_vacation_home_blog_image.jpg</image:loc><image:title>A photo by Tuğba Yüksel. unsplash.com/photos/T-9VxaZQab4</image:title></image:image><lastmod>2016-10-10T19:48:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/10/04/should-i-consolidate-my-student-loans/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/10/shj100416_student_loan_consolidation_blog_image.jpeg</image:loc><image:title>shj100416_student_loan_consolidation_blog_image</image:title></image:image><lastmod>2016-10-03T17:28:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/09/27/inside-the-economy-with-shj-september-26-2016/</loc><lastmod>2016-09-27T21:13:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/09/26/10-habits-to-help-increase-your-productivity/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/09/shj092616_increase_productivity_blog_image.png</image:loc><image:title>shj092616_increase_productivity_blog_image</image:title></image:image><lastmod>2016-09-21T17:28:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/09/20/how-the-election-may-affect-the-stock-market/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/09/shj092016_2016_election_effect_on_markets_blog_image.jpeg</image:loc><image:title>shj092016_2016_election_effect_on_markets_blog_image</image:title></image:image><lastmod>2016-09-19T20:03:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/09/13/inside-the-economy-with-shj-september-12-2016/</loc><lastmod>2016-09-13T18:35:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/09/12/what-data-is-telling-us-about-investors-and-investing/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/09/shj091216_investors_data_blog_image.jpeg</image:loc><image:title>What Does Data Say About Investors</image:title><image:caption>business, investing, investors, who invests</image:caption></image:image><lastmod>2016-09-07T18:32:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/09/06/medicare-refresh/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/09/shj090616_medicare_refresh_blog_image.jpeg</image:loc><image:title>shj090616_medicare_refresh_blog_image</image:title></image:image><lastmod>2016-09-15T00:29:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/08/31/julie-fletcher-featured-in-denver-post-why-americans-are-scared-of-financial-advisors/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/07/meet_julie.png</image:loc><image:title>Meet_Julie</image:title></image:image><lastmod>2016-08-31T21:51:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/08/30/inside-the-economy-with-shj-august-29-2016/</loc><lastmod>2016-08-30T21:50:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/08/29/the-pros-and-cons-of-owning-stock-where-you-work/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/08/shj082916_owning_stock_where_you_work_blog_image.jpeg</image:loc><image:title>SHJ082916_Owning_Stock_Where_You_Work_Blog_Image</image:title></image:image><lastmod>2016-08-29T17:34:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/08/23/broadening-your-horizons-with-non-traditional-higher-education/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/08/shj082116_college_options_blog_image.jpeg</image:loc><image:title>SHJ082116_College_Options_Blog_Image</image:title></image:image><lastmod>2016-08-23T20:33:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/08/17/inside-the-economy-with-shj-august-15-2016/</loc><lastmod>2016-08-17T19:05:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/08/15/facebook-101-protect-your-identity-while-connecting-with-friends-and-family/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/08/shj081516_fb_image_6.png</image:loc><image:title>SHJ081516_FB_Image_6</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/08/shj081516_fb_image_5.png</image:loc><image:title>SHJ081516_FB_Image_5</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/08/shj081516_fb_image_2.png</image:loc><image:title>SHJ081516_FB_Image_2</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/08/shj081516_fb_image_3.png</image:loc><image:title>SHJ081516_FB_Image_3</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/08/shj081516_fb_image_4.png</image:loc><image:title>SHJ081516_FB_Image_4</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/08/shj081516_fb_image_1.png</image:loc><image:title>SHJ081516_FB_Image_1</image:title></image:image><lastmod>2016-08-16T18:44:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/08/09/the-silver-tsunami-costs-of-long-term-care-services-in-denver/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/08/shj080916_long_term_care_blog_image.jpeg</image:loc><image:title>SHJ080916_Cost_0f_Long_Term_Care_Blog_Image</image:title></image:image><lastmod>2016-08-10T21:21:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/08/04/inside-the-economy-with-shj-august-1-2016/</loc><lastmod>2016-08-04T15:50:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/08/01/8-creative-ways-to-win-your-dream-home-without-making-a-poor-investment/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/08/shj080116_win_a_bidding_war_blog_image.jpeg</image:loc><image:title>SHJ080116_Win_a_Bidding_War_Blog_Image</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/07/shj080116_win_bidding_war_blog_image.jpeg</image:loc><image:title>SHJ080116_Win_Bidding_War_Blog_Image</image:title></image:image><lastmod>2016-08-01T20:36:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/07/26/mortgage-payoff-is-it-a-priority/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/07/shj072616_mortgage_payment_priority_calendar.jpeg</image:loc><image:title>SHJ072616_Mortgage_Payment_Priority_Calendar</image:title></image:image><lastmod>2016-07-26T19:08:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/07/19/inside-the-economy-with-shj-july-18-2016/</loc><lastmod>2016-07-19T22:18:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/07/18/thinking-of-relocating-when-you-retire-remember-to-talk-to-your-financial-planner/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/07/shj071816_planners_story_stephen_weatherby_blog_image.jpeg</image:loc><image:title>Planners Story: Stephen Weatherby on Moving Blog Image</image:title></image:image><lastmod>2016-07-20T15:44:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/07/12/will-millennials-ever-retire/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/07/shj071116_will_milennials_ever_retire_blog_image.jpeg</image:loc><image:title>SHJ071116_Will_Milennials_Ever_Retire_Blog_Image</image:title></image:image><lastmod>2016-07-11T17:47:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/06/28/ramifications-of-unfunded-trusts/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/06/shj062816_unfunded_trusts_blog_image.jpeg</image:loc><image:title>SHJ062816_Unfunded_Trusts_Blog_Image</image:title></image:image><lastmod>2016-06-28T15:36:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/07/04/happy-fourth-of-july-from-sharkey-howes-javer/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/06/shj070416_4th_of_july_blog_image.jpeg</image:loc><image:title>SHJ070416_4th_of_July_Blog_Image</image:title></image:image><lastmod>2016-06-27T23:47:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/06/27/the-brexit-independence-day-for-england-or-a-big-mistake/</loc><lastmod>2016-06-27T23:12:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/05/06/2015-medical-advocacy-client-event/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/05/dsc00182.jpg</image:loc><image:title>DSC00182</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/05/dsc00147.jpg</image:loc><image:title>DSC00147</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/05/dsc00151.jpg</image:loc><image:title>DSC00151</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/05/dsc00170.jpg</image:loc><image:title>DSC00170</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/05/dsc00174.jpg</image:loc><image:title>DSC00174</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/05/dsc00160.jpg</image:loc><image:title>DSC00160</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/05/dsc00149.jpg</image:loc><image:title>DSC00149</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/05/dsc00184.jpg</image:loc><image:title>DSC00184</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/05/dsc00146.jpg</image:loc><image:title>DSC00146</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/05/dsc00164.jpg</image:loc><image:title>DSC00164</image:title></image:image><lastmod>2016-06-22T21:56:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/06/21/1096/</loc><lastmod>2016-06-21T20:40:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/06/14/boosting-your-social-security-beyond-age-70/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/06/shj061416_sharkey_howes_javer_working_beyond_70.jpg</image:loc><image:title>SHJ061416_Sharkey_Howes_Javer_Working_Beyond_70</image:title></image:image><lastmod>2016-06-14T15:25:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/06/20/8-important-times-in-life-to-talk-with-your-financial-planner/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/06/shj062016_sharkey_howes_javer_when_to_meet_blog_image.jpeg</image:loc><image:title>SHJ062016_Sharkey_Howes_Javer_When_to_Meet_Blog_Image</image:title></image:image><lastmod>2016-06-13T17:43:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/06/08/inside-the-economy-with-shj-june-6-2016/</loc><lastmod>2016-06-08T21:01:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/06/06/getting-the-most-bang-for-your-remodeling-buck/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/06/shj060616_remodeling_most_bang_for_your_buck.jpeg</image:loc><image:title>Tips to get the most bang for your remodeling buck.</image:title></image:image><lastmod>2016-06-02T21:14:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/05/31/watch-those-medicare-part-b-part-d-prescription-drug-coverage-premiums-you-may-be-paying-higher-premiums-than-you-should/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/05/sharkey_howes_javer_glasses_monthly_adjusted_blog.jpeg</image:loc><image:title>Sharkey_Howes_Javer_Glasses_Monthly_Adjusted_Blog</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/05/screen-shot-2016-05-31-at-1-56-44-pm.png</image:loc><image:title>SHJ Tax Return Comparison Chart</image:title></image:image><lastmod>2016-05-31T20:07:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/05/25/inside-the-economy-with-shj-may-23-2016/</loc><lastmod>2016-05-25T16:11:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/05/23/include-your-digital-assets-in-your-estate-plan/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/05/shj052216_sharkey_howes_javer_managing_your_digital_estate.jpeg</image:loc><image:title>SHJ052216_Sharkey_Howes_Javer_Managing_Your_Digital_Estate</image:title></image:image><lastmod>2016-05-23T19:52:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/05/17/behind-the-scenes-what-the-shj-team-has-been-reading/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/05/sharkey_howes_javer_books_weve_been_reading.jpg</image:loc><image:title>Sharkey_Howes_Javer_Books_Weve_Been_Reading</image:title></image:image><lastmod>2016-05-17T16:32:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/05/10/inside-the-economy-with-shj-may-9-2016/</loc><lastmod>2016-05-10T19:49:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/05/09/9-ways-to-keep-your-vacation-spending-in-check/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/05/sharkey_howes_javer_vacation_savings_blog_map.jpg</image:loc><image:title>Sharkey_Howes_Javer_Vacation_Savings_Blog_Map</image:title></image:image><lastmod>2016-05-09T15:30:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/05/03/fee-only-advisors-what-are-you-actually-paying-for/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/05/sharkey_howes_javer_fee_only_advisors_blog.jpeg</image:loc><image:title>Financial consultant reviewing statistical graphs and charts</image:title></image:image><lastmod>2016-04-29T19:36:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/04/27/inside-the-economy-with-shj-april-25-2016/</loc><lastmod>2016-04-27T22:13:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/04/25/the-top-3-advisors-you-need-for-optimum-financial-health/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/04/sharkey_howes_javer_top_advisors_you_need.jpeg</image:loc><image:title>SH&amp;J Top Three Advisors Your Need in Your Life</image:title></image:image><lastmod>2016-04-25T19:08:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/04/19/family-dynamics-financially-assisting-adult-family-members/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/04/sharkey_howes_javer_financially_assisting_adult_family_members_blog1.jpeg</image:loc><image:title>Sharkey Howes &amp; Javer Financially Assisting Adult Family Members</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/04/sharkey_howes_javer_financially_assisting_adult_family_members_blog.jpeg</image:loc><image:title>Sharkey_Howes_Javer_Financially_Assisting_Adult_Family_Members_Blog</image:title></image:image><lastmod>2016-04-19T15:50:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/04/14/inside-the-economy-with-shj-april-11-2016/</loc><lastmod>2016-04-14T22:58:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/04/14/a-look-at-tax-rates-by-state-where-does-colorado-rank/</loc><lastmod>2016-04-14T19:35:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/04/05/how-to-responsibly-handle-your-tax-refund/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/03/sharkey_howes_javer_repsponsible_tax_return_blog.jpg</image:loc><image:title>Tax Return</image:title><image:caption>Tips to responsibly handle your tax return.</image:caption></image:image><lastmod>2016-04-05T15:18:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/03/29/inside-the-economy-with-shj-march-28-2016/</loc><lastmod>2016-03-29T22:22:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/03/28/should-i-live-for-today-or-save-for-tomorrow/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/03/sharkey_howes_javer_live_for_today_save_for_tomorrow_v2.jpg</image:loc><image:title>SH&amp;J Live for Today or Save for Tomorrow?</image:title></image:image><lastmod>2016-03-28T18:46:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/03/22/you-purchased-a-timeshare-now-how-do-you-get-rid-of-it/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/03/sharkey_howes_javer_timeshare.jpg</image:loc><image:title>Starkey, Howes &amp; Javer Selling Timeshares</image:title></image:image><lastmod>2016-03-25T08:01:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/03/15/inside-the-economy-with-shj-march-14-2016/</loc><lastmod>2016-03-15T21:00:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/01/05/inside-the-economy-with-shj-january-4-2016/</loc><lastmod>2016-03-15T17:21:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/01/20/inside-the-economy-with-shj-january-18-2016/</loc><lastmod>2016-03-15T17:21:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/02/16/inside-the-economy-with-shj-february-15-2016/</loc><lastmod>2016-03-15T17:20:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/03/08/10-tips-to-boost-your-travel-smarts/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/03/shj_travel_smarts.jpg</image:loc><image:title>Starkey, Howes and Javer: 10 Tips to Boost Your Travel Smarts</image:title></image:image><lastmod>2016-03-17T00:26:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/02/29/the-value-of-objective-financial-planning/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/02/shj_objective_financial_planning.jpg</image:loc><image:title>Business people at work in their office</image:title></image:image><lastmod>2016-03-07T19:23:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/02/23/avoid-being-house-rich-cash-poor/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/02/shj_home_loans.jpg</image:loc><image:title>Single family house on pile of money</image:title><image:caption>Single family house on pile of money. Concept of real estate.</image:caption></image:image><lastmod>2016-02-25T05:59:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/02/18/meet-stephen-weatherby/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/02/shj_stephen_wetherby.jpg</image:loc><image:title>SHJ_Stephen_Wetherby</image:title></image:image><lastmod>2016-02-17T20:58:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/02/15/presidents-day-fascinating-facts-about-10-past-presidents/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/02/white_house.jpg</image:loc><image:title>White House in Washington, D.C.</image:title><image:caption>Washington, D.C. at the White House.</image:caption></image:image><lastmod>2016-02-09T18:15:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/02/09/tips-to-protect-your-social-security-number/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/02/social_security_protect_smaller.jpg</image:loc><image:title>Social Security Lock</image:title><image:caption>A lock over top Social Security paperwork</image:caption></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/02/social_security_protect.jpg</image:loc><image:title>Social Security Lock</image:title><image:caption>A lock over top Social Security paperwork</image:caption></image:image><lastmod>2016-02-09T16:33:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/02/05/inside-the-economy-with-shj-february-1-2016/</loc><lastmod>2016-02-05T16:35:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/01/26/what-if-the-world-isnt-coming-to-an-end-how-the-media-affects-our-financial-decisions/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/01/media-and-finance.jpg</image:loc></image:image><lastmod>2016-01-26T16:38:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/02/01/5-questions-to-ask-before-taking-on-more-debt/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/01/finacial_questions.jpg</image:loc></image:image><lastmod>2016-01-25T23:13:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/01/18/7-tips-to-save-for-winter-vacations/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/01/winter-skiier.jpg</image:loc><image:title>skiing</image:title><image:caption>skiing</image:caption></image:image><lastmod>2016-01-11T18:00:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/01/14/meet-mimi-hackley/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/01/mimi_hackley.jpg</image:loc><image:title>Mimi_Hackley</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/01/mimi.jpg</image:loc></image:image><lastmod>2016-01-06T00:04:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/01/12/10-ways-to-give-back-time-talent-and-treasure/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/01/donate.jpg</image:loc><image:title>Donations Concept with Word on Folder.</image:title><image:caption>Donations Concept. Word on Folder Register of Card Index. Selective Focus.</image:caption></image:image><lastmod>2016-01-05T23:52:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2016/01/04/10-ways-to-keep-your-finances-healthy-in-2016/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2016/01/healthy-finances.jpg</image:loc><image:title>stethoscope and dollars</image:title><image:caption>stethoscope placing on US dollar banknotes on white background</image:caption></image:image><lastmod>2016-01-04T18:18:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/12/21/seasons-greetings-and-happy-new-year-from-sharkey-howes-and-javer/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/12/shj_holidays.jpg</image:loc><image:title>Christmas decoration with candles</image:title></image:image><lastmod>2015-12-30T16:17:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/12/29/795/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/12/2016.jpg</image:loc></image:image><lastmod>2015-12-30T16:16:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/12/18/special-edition-of-inside-the-economy-with-shj-december-17-2015/</loc><lastmod>2015-12-18T19:01:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/12/16/retirement-savings-101-401ks-iras-roths-oh-my/</loc><lastmod>2015-12-16T16:02:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/12/10/inside-the-economy-with-shj-december-7-2015/</loc><lastmod>2015-12-10T17:25:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/12/01/5-tips-to-keep-holiday-spending-under-control/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/12/dollarphotoclub_57303050.jpg</image:loc><image:title>Christmas piggy bank</image:title><image:caption>Piggy bank wrapped in Christmas string lights</image:caption></image:image><lastmod>2015-12-07T18:50:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/12/07/making-sense-of-the-social-security-kill-bill/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/12/dollarphotoclub_59000647.jpg</image:loc><image:title>Retirement Concept Social Security Benefits</image:title></image:image><lastmod>2015-12-04T01:46:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/11/24/inside-the-economy-with-shj-november-23-2015/</loc><lastmod>2015-11-24T21:28:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/11/22/happy-thanksgiving-from-sharkey-howes-and-javer/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/11/dollarphotoclub_93387229.jpg</image:loc><image:title>Thanksgiving Autumn Fall background with red, brown and yellow l</image:title><image:caption>Thanksgiving Autumn Fall background with red, brown and yellow leaves and pumpkin</image:caption></image:image><lastmod>2015-11-23T16:53:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/11/17/retirement-savings-101-whats-the-difference-between-a-roth-401k-and-a-traditional-401k/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/11/dollarphotoclub_87180330.jpg</image:loc><image:title>Retirement golden eggs on dollars, IRA in focus, 401k blurry</image:title></image:image><lastmod>2015-11-17T16:08:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/11/10/inside-the-economy-with-shj-november-9-2015/</loc><lastmod>2015-11-10T22:23:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/10/09/retirement-savings-101-whats-the-difference-between-a-roth-ira-and-a-traditional-ira-2/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/10/savings-ira.jpg</image:loc><image:title>Saving plan with Gold Piggy bank</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/10/screen-shot-2015-10-09-at-11-53-33-am.png</image:loc><image:title>Screen Shot 2015-10-09 at 11.53.33 AM</image:title></image:image><lastmod>2015-11-09T18:04:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/11/09/meet-melissa-baldwin/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/11/shj_meet_the_team_melissa.png</image:loc><image:title>SHJ_Meet_The_Team_Melissa</image:title></image:image><lastmod>2015-11-09T18:03:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/11/03/an-evening-of-entertainment-with-sharkey-howes-javer/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/11/9img_5743.jpg</image:loc><image:title>9IMG_5743</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/11/8img_5833.jpg</image:loc><image:title>8IMG_5833</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/11/7img_5811.jpg</image:loc><image:title>7IMG_5811</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/11/6img_5794.jpg</image:loc><image:title>6IMG_5794</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/11/5img_5785.jpg</image:loc><image:title>5IMG_5785</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/11/4mimi-eileen-and-donna.jpg</image:loc><image:title>4mimi eileen and donna</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/11/4img_5749.jpg</image:loc><image:title>4IMG_5749</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/11/3img_5754.jpg</image:loc><image:title>3IMG_5754</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/11/2table-with-pictures-of-partners.jpg</image:loc><image:title>2table with pictures of partners</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/11/1marquee.jpg</image:loc><image:title>1Marquee</image:title></image:image><lastmod>2015-11-03T21:16:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/10/30/inside-the-economy-with-shj-october-26-2015/</loc><lastmod>2015-10-30T17:12:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/10/20/to-stay-or-to-go-should-you-downsize-or-renovate-as-an-empty-nester/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/10/downsizing-reno.jpg</image:loc><image:title>project of construction and renovation house</image:title></image:image><lastmod>2015-10-20T15:40:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/10/15/inside-the-economy-with-shj-october-12-2015/</loc><lastmod>2015-10-15T18:39:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/10/02/inside-the-economy-with-shj-september-28-2015/</loc><lastmod>2015-10-02T15:29:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/09/22/meet-kay-sinclair-2/</loc><lastmod>2015-10-03T15:34:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/06/19/five-tips-to-keep-your-spending-and-your-stress-level-in-control-on-summer-vacation/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/06/dollarphotoclub_82769758.jpg</image:loc><image:title>Summer Budgeting Tips</image:title></image:image><lastmod>2015-09-22T16:28:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/07/14/10-commonly-used-terms-for-investment-beginners/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/07/dictionary.jpg</image:loc><image:title>Open Dictionary And Reading Glasses</image:title></image:image><lastmod>2015-09-22T16:27:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/07/07/identity-theft-what-you-need-to-know-to-protect-yourself/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/07/dollarphotoclub_2907499.jpg</image:loc><image:title>a closer look at credit</image:title><image:caption>Close-up of silver digits on a credit card.  Very shallow depth of field, focus on number 2.  You can see the texture of the card in the in-focus areas.</image:caption></image:image><lastmod>2015-09-22T16:27:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/07/20/meet-julie-fletcher-2/</loc><lastmod>2015-09-22T16:26:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/08/05/2015-q2-quarterly-commentary-slowly-simmering-barely-cooking/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/08/screen-shot-2015-08-05-at-1-39-25-pm.png</image:loc><image:title>Screen Shot 2015-08-05 at 1.39.25 PM</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/08/screen-shot-2015-08-05-at-1-38-21-pm.png</image:loc><image:title>Screen Shot 2015-08-05 at 1.38.21 PM</image:title></image:image><lastmod>2015-09-22T16:19:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/08/11/where-credit-is-due-understanding-and-maintaining-your-fico-credit-score/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/08/credit-score.jpg</image:loc><image:title>Digital Online Credit Score Finance Rating Record Concept</image:title></image:image><lastmod>2015-09-22T16:18:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/08/17/estate-planning/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/08/estate-planning.jpg</image:loc><image:title>Scrivere a mano con penna</image:title></image:image><lastmod>2015-09-22T16:18:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/08/31/the-411-on-529-plans-taking-saving-for-college-to-the-next-level/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/08/graduation.jpg</image:loc><image:title>Education</image:title><image:caption>Child holding stack of books with mortar board chalk drawing on blackboard concept for university education and future aspirations</image:caption></image:image><lastmod>2015-09-22T16:15:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/09/03/happy-labor-day-from-sharkey-howes-and-javer-2/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/08/studio-pc-387-23.jpg</image:loc><image:title>Labor day card design, vector illustration.</image:title><image:caption>Labor day card design, vector illustration.</image:caption></image:image><lastmod>2015-09-22T16:14:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/09/14/medicare-wading-through-the-alphabet-soup-2/</loc><lastmod>2015-09-22T16:13:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/08/25/meet-karlton-childress/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/08/screen-shot-2015-08-19-at-11-59-38-am.png</image:loc><image:title>Screen Shot 2015-08-19 at 11.59.38 AM</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/08/screen-shot-2015-08-19-at-11-57-03-am.png</image:loc><image:title>Screen Shot 2015-08-19 at 11.57.03 AM</image:title></image:image><lastmod>2015-09-22T16:11:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/02/04/inside-the-economy-with-shj-february-2-2015/</loc><lastmod>2015-09-22T16:09:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/02/18/inside-the-economy-with-shj-february-16-2015/</loc><lastmod>2015-09-22T16:08:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/03/05/inside-the-economy-with-sharkey-howes-javer-march-2-2015/</loc><lastmod>2015-09-22T16:08:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/03/18/inside-the-economy-with-sharkey-howes-javer/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/03/economic_screenshot.jpg</image:loc><image:title>Economic_Screenshot</image:title></image:image><lastmod>2015-09-22T16:08:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/04/01/inside-the-economy-with-sharkey-howes-and-javer-march-30-2015/</loc><lastmod>2015-09-22T16:08:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/04/15/inside-the-economy-with-sharkey-howes-and-javer-april-13-2015/</loc><lastmod>2015-09-22T16:07:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/04/29/inside-the-economy-with-sharkey-howes-javer-april-27-2015/</loc><lastmod>2015-09-22T16:07:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/05/13/inside-the-economy-with-sharkey-howes-javer-may-11-2015/</loc><lastmod>2015-09-22T16:07:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/06/10/inside-the-economy-june-8-2015/</loc><lastmod>2015-09-22T16:07:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/06/24/inside-the-economy-with-sharkey-howes-javer-june-22-2015/</loc><lastmod>2015-09-22T16:07:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/07/08/inside-the-economy-with-sharkey-howes-javer-july-6-2015/</loc><lastmod>2015-09-22T16:06:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/07/22/inside-the-economy-with-sharkey-howes-javer-july-20-2015/</loc><lastmod>2015-09-22T16:06:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/08/06/inside-the-economy-with-sharkey-howes-javer-august-3-2015/</loc><lastmod>2015-09-22T16:06:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/08/18/inside-the-economy-with-sharkey-howes-javer-august-17-2015/</loc><lastmod>2015-09-22T16:06:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/09/03/inside-the-economy-with-sharkey-howes-javer-august-31-2015/</loc><lastmod>2015-09-17T14:59:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/09/16/inside-the-economy-with-shj-september-14-2015/</loc><lastmod>2015-09-17T14:58:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/07/02/happy-fourth-of-july-from-shj/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/07/american-flag.jpg</image:loc><image:title>American Flag</image:title><image:caption>Amercian flag fluttering under blue sky.</image:caption></image:image><lastmod>2015-07-02T15:23:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/06/08/meet-joel-javer/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/06/joel-javer.png</image:loc><image:title>Joel Javer</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/06/screen-shot-2015-06-01-at-10-35-16-am.png</image:loc><image:title>Screen Shot 2015-06-01 at 10.35.16 AM</image:title></image:image><lastmod>2015-06-12T01:21:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/06/02/4-tips-for-buying-the-right-mountain-retreat/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/06/mountain-retreat.png</image:loc><image:title>Mountain Retreat</image:title></image:image><lastmod>2015-06-23T11:11:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/05/27/a-special-gift-for-a-special-client/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/05/screen-shot-2015-05-20-at-4-44-22-pm.png</image:loc><image:title>Screen Shot 2015-05-20 at 4.44.22 PM</image:title></image:image><lastmod>2015-05-20T22:49:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/05/20/how-much-should-i-save-for-retirement/</loc><lastmod>2015-05-20T19:15:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/05/22/memorial-day-a-day-of-remembrance/</loc><lastmod>2015-05-11T17:20:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/05/11/10-beneficial-budgeting-tips/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/05/dollarphotoclub_65241017.jpg</image:loc><image:title>Taschenrechner und Statistk</image:title></image:image><lastmod>2015-05-14T13:24:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/04/21/meet-jessica-sare/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/04/screen-shot-2015-04-21-at-9-40-07-am.png</image:loc><image:title>Screen Shot 2015-04-21 at 9.40.07 AM</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/04/screen-shot-2015-04-21-at-9-39-17-am.png</image:loc><image:title>Screen Shot 2015-04-21 at 9.39.17 AM</image:title></image:image><lastmod>2015-04-28T23:41:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/04/13/2015-q1-quarterly-commentary-2/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/04/screen-shot-2015-04-13-at-11-20-14-am.png</image:loc><image:title>Screen Shot 2015-04-13 at 11.20.14 AM</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/04/screen-shot-2015-04-13-at-11-18-43-am.png</image:loc><image:title>Screen Shot 2015-04-13 at 11.18.43 AM</image:title></image:image><lastmod>2015-04-13T17:59:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/04/07/tell-me-about-your-investment-process/</loc><lastmod>2015-04-07T17:15:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/03/30/why-are-you-fee-only-and-what-does-that-mean/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/03/team.jpg</image:loc><image:title>Team</image:title></image:image><lastmod>2015-03-30T16:50:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/03/25/meet-amy-geist/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/03/amy.jpg</image:loc><image:title>Amy</image:title></image:image><lastmod>2015-03-25T15:55:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/03/17/happy-st-patricks-day-from-shj/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/03/0836_st_patricks_day.jpg</image:loc><image:title>0836_St_Patricks_Day</image:title></image:image><lastmod>2015-03-17T22:26:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/03/11/5-personal-finance-tips-for-everyone/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/03/dollarphotoclub_75129037.jpg</image:loc><image:title>Brown Wallet with credit cards and dollar banknotes over wooden</image:title></image:image><lastmod>2015-03-11T15:50:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/02/17/stock-market-recap-with-joel-javer-cfp/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/02/dollarphotoclub_69248312.jpg</image:loc><image:title>Wall street</image:title></image:image><lastmod>2015-03-06T18:18:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/03/02/how-do-you-manage-investments/</loc><lastmod>2015-03-02T17:32:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/02/12/10-ways-to-show-your-money-some-love/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/02/love_money.jpg</image:loc><image:title>The love of money</image:title></image:image><lastmod>2015-02-11T21:18:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/02/03/how-much-should-i-save-for-college/</loc><lastmod>2015-02-03T17:17:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2014/12/10/talk-to-your-kids-about-money-really/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2014/12/talk_to_kids_about_money.jpg</image:loc><image:title>Talk to your kids about money</image:title></image:image><lastmod>2015-01-27T13:26:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/01/06/sharkey-howes-javers-advisory-team-makes-the-list-as-2014-five-star-wealth-managers/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/01/shj_5_star_wealth_managers.jpg</image:loc><image:title>SHJ_5_Star_Wealth_Managers</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/01/5_star_wealth_manager_2014_sharkey_howes_javer.png</image:loc><image:title>5_Star_Wealth_Manager_2014_Sharkey_Howes_Javer</image:title></image:image><lastmod>2015-01-27T13:25:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/01/20/3-questions-to-ask-when-choosing-a-financial-advisor/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/01/3-questions-to-ask-your-financial-advisor.jpg</image:loc><image:title>question mark symbol</image:title></image:image><lastmod>2016-11-08T16:54:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/01/28/2014-q4-quarterly-commentary-2/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/01/performance-by-asset-class.jpg</image:loc><image:title>Performance By Asset Class</image:title></image:image><lastmod>2015-01-27T13:24:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/01/21/inside-the-economy-with-shj-january-19-2015/</loc><lastmod>2015-01-21T16:32:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/01/13/take-eileen-sharkeys-financial-literacy-course/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2015/01/eileen-sharkey.jpg</image:loc><image:title>Eileen Sharkey</image:title></image:image><lastmod>2015-01-13T16:41:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2015/01/07/inside-the-economy-with-shj-january-5-2015/</loc><lastmod>2015-01-09T14:22:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2014/12/29/what-do-you-charge-for-your-services/</loc><lastmod>2015-01-10T18:13:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2014/12/23/economic-discussion-from-december-22-2014/</loc><lastmod>2014-12-24T00:12:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2014/12/23/wishing-you-a-happy-holidays-and-a-wonderful-new-year/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2014/12/happy_holidays.jpg</image:loc><image:title>Christmas concept. Happy Holidays.</image:title></image:image><lastmod>2014-12-30T16:22:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2014/12/17/stephen-weatherby-cfp-featured-in-journal-of-the-colorado-dental-association/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2014/12/stephen_weatherby_sharkey_howes_javer.jpg</image:loc><image:title>Stephen_Weatherby_Sharkey_Howes_Javer</image:title></image:image><lastmod>2014-12-17T18:13:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2014/12/18/2015-financial-check-up/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2014/12/financial_check_up.jpg</image:loc><image:title>Piggy bank with stethoscope</image:title></image:image><lastmod>2014-12-17T18:09:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2014/12/15/announcing-a-new-blog-series-inside-the-economy-with-sharkey-howes-javer/</loc><lastmod>2014-12-17T18:13:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2014/12/04/our-thoughts-on-the-economy-december-2014/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2014/12/thoughts_on_the_economy.jpg</image:loc><image:title>Stock Market Graphs</image:title></image:image><lastmod>2014-12-09T20:40:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2014/12/01/2014-client-and-friends-event-recap/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2014/11/shj_crowd.jpg</image:loc><image:title>SHJ_Crowd</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2014/11/shj_larry_joel.jpg</image:loc><image:title>SHJ_Larry_Joel</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2014/11/shj_greg_2.jpg</image:loc><image:title>SHJ_Greg_2</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2014/11/shj_greg.jpg</image:loc><image:title>SHJ_Greg</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2014/11/shj_flowers.jpg</image:loc><image:title>SHJ_Flowers</image:title></image:image><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2014/11/shj_eileen.jpg</image:loc><image:title>SHJ_Eileen</image:title></image:image><lastmod>2014-11-24T19:19:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2014/11/24/black-friday-5-tips-on-spending-to-save/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2014/11/black_friday.jpg</image:loc><image:title>Black Friday</image:title></image:image><lastmod>2014-11-24T19:08:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2014/01/12/sharkey-howes-javer-is-proud-to-introduce-our-new-look/</loc><lastmod>2014-11-24T19:00:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2014/06/12/highlights-from-the-sharkey-howes-javer-open-house-event/</loc><image:image><image:loc>https://blog.shwj.com/wp-content/uploads/2014/11/open-house.jpg</image:loc><image:title>Open House</image:title></image:image><lastmod>2014-11-24T18:28:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com/2014/06/25/you-say-you-work-as-a-team-what-does-that-mean/</loc><lastmod>2014-11-24T18:24:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://blog.shwj.com</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2017-03-02T16:21:50+00:00</lastmod></url></urlset>
