13F HOLDINGS REPORT

Sharkey, Howes & Javer

Quarter ended Q3 2025 · Filed October 10, 2025 · Accession 0001642246-25-000007

Total Value

$778.1M

Positions

159

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (159)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES TR	464287200	85,541	$57.3M	7.36%
2	BLACKROCK ETF TRUST	BLK	935,507	$55.4M	7.12%
3	ISHARES TR	46434V613	1,097,828	$51.3M	6.59%
4	ISHARES TR	46432F339	263,271	$51.2M	6.58%
5	ISHARES TR	464287309	327,477	$39.5M	5.08%
6	ISHARES TR	464288877	474,113	$32.2M	4.13%
7	ISHARES TR	464287101	89,225	$29.7M	3.82%
8	ISHARES TR	464287408	142,883	$29.5M	3.79%
9	ISHARES INC	46434G103	359,401	$23.7M	3.04%
10	SPDR S&P 500 ETF TR	SPY	29,802	$19.9M	2.55%
11	BLACKROCK ETF TRUST	BLK	533,642	$18.2M	2.34%
12	ISHARES TR	464288588	186,638	$17.8M	2.28%
13	BLACKROCK ETF TRUST	BLK	458,632	$17.4M	2.23%
14	BLACKROCK ETF TRUST II	BLK	323,381	$17.2M	2.21%
15	ISHARES TR	46435G425	114,393	$16.7M	2.14%
16	ISHARES TR	464288653	158,977	$16.4M	2.10%
17	ISHARES TR	464287432	180,523	$16.1M	2.07%
18	ISHARES GOLD TR	IAU	177,535	$12.9M	1.66%
19	ISHARES TR	46435G672	235,592	$12.1M	1.55%
20	SSGA ACTIVE ETF TR	78467V848	282,697	$11.5M	1.47%
21	ISHARES TR	46432F396	39,125	$10.0M	1.29%
22	SPDR SERIES TRUST	78468R812	49,890	$8.5M	1.10%
23	SCHWAB STRATEGIC TR	808524102	314,212	$8.1M	1.04%
24	SSGA ACTIVE TR	78470P408	134,452	$8.0M	1.03%
25	GLOBAL X FDS	37960A529	90,137	$6.3M	0.81%
26	ISHARES TR	464288281	64,339	$6.1M	0.79%
27	SSGA ACTIVE TR	78470P846	210,396	$6.0M	0.77%
28	SPDR SERIES TRUST	78468R853	120,973	$5.6M	0.72%
29	T ROWE PRICE ETF INC	87283Q867	146,498	$5.5M	0.71%
30	ISHARES TR	464288760	23,858	$5.0M	0.64%
31	ISHARES TR	464288885	42,168	$4.8M	0.62%
32	VANGUARD INDEX FDS	922908363	7,609	$4.7M	0.60%
33	BLACKROCK ETF TRUST	BLK	62,562	$4.5M	0.58%
34	SPDR SERIES TRUST	78464A508	79,920	$4.4M	0.57%
35	VANGUARD WORLD FD	921910816	10,724	$4.3M	0.55%
36	SPDR INDEX SHS FDS	78463X509	88,891	$4.2M	0.53%
37	ISHARES TR	46435G193	174,889	$4.1M	0.53%
38	SCHWAB STRATEGIC TR	808524201	150,126	$4.0M	0.51%
39	ISHARES TR	464287614	7,677	$3.6M	0.46%
40	VANGUARD INTL EQUITY INDEX F	922042742	25,279	$3.5M	0.45%
41	ISHARES TR	46435U549	72,513	$3.5M	0.45%
42	SPDR SERIES TRUST	78464A847	60,239	$3.4M	0.44%
43	J P MORGAN EXCHANGE TRADED F	46641Q241	70,721	$3.3M	0.42%
44	MICROSOFT CORP	MSFT	6,316	$3.3M	0.42%
45	ISHARES TR	464288570	24,602	$3.1M	0.40%
46	SPDR GOLD TR	GLD	8,532	$3.0M	0.39%
47	ISHARES TR	464288257	21,330	$2.9M	0.38%
48	SPDR SERIES TRUST	78464A367	127,032	$2.9M	0.38%
49	ISHARES TR	46429B747	27,907	$2.9M	0.37%
50	SPDR SERIES TRUST	78468R440	100,655	$2.9M	0.37%
51	ISHARES TR	46429B267	119,940	$2.8M	0.36%
52	SELECT SECTOR SPDR TR	81369Y803	8,702	$2.5M	0.32%
53	ISHARES TR	464288414	22,829	$2.4M	0.31%
54	ISHARES TR	464287291	22,580	$2.3M	0.30%
55	J P MORGAN EXCHANGE TRADED F	46641Q134	30,874	$2.3M	0.29%
56	SPDR SERIES TRUST	78468R515	89,372	$2.3M	0.29%
57	ISHARES TR	46436E767	38,081	$2.2M	0.28%
58	LINCOLN ELEC HLDGS INC	533900106	8,914	$2.1M	0.27%
59	AMERICAN CENTY ETF TR	025072604	27,675	$2.1M	0.27%
60	VANGUARD INDEX FDS	922908769	6,094	$2.0M	0.26%
61	BERKSHIRE HATHAWAY INC DEL	BRK-A	3,776	$1.9M	0.24%
62	ISHARES TR	464287622	5,139	$1.9M	0.24%
63	ISHARES TR	464287721	8,570	$1.7M	0.22%
64	INVESCO EXCH TRADED FD TR II	IVZ	6,012	$1.5M	0.19%
65	ISHARES INC	46434G863	33,623	$1.5M	0.19%
66	SPDR SERIES TRUST	78464A649	55,729	$1.4M	0.19%
67	SPDR SERIES TRUST	78468R861	73,284	$1.4M	0.18%
68	APPLE INC	AAPL	5,529	$1.4M	0.18%
69	ISHARES BITCOIN TRUST ETF	IBIT	20,668	$1.3M	0.17%
70	FIDELITY COVINGTON TRUST	31609A404	37,879	$1.3M	0.17%
71	INVESCO EXCH TRADED FD TR II	IVZ	11,008	$1.3M	0.17%
72	INVESCO EXCHANGE TRADED FD T	IVZ	7,002	$1.3M	0.17%
73	SCHWAB STRATEGIC TR	808524508	44,628	$1.3M	0.17%
74	ISHARES TR	464287697	11,644	$1.3M	0.17%
75	ANALOG DEVICES INC	ADI	5,231	$1.3M	0.17%
76	SPDR SERIES TRUST	78464A375	35,836	$1.2M	0.16%
77	VANGUARD INTL EQUITY INDEX F	922042858	21,708	$1.2M	0.15%
78	ISHARES TR	464287804	9,697	$1.2M	0.15%
79	SPDR SERIES TRUST	78464A391	53,044	$1.1M	0.15%
80	SPDR SERIES TRUST	78464A409	10,787	$1.1M	0.14%
81	QUANTA SVCS INC	74762E102	2,707	$1.1M	0.14%
82	ISHARES TR	464287598	5,174	$1.1M	0.14%
83	SPDR SERIES TRUST	78464A383	45,879	$1.0M	0.13%
84	ISHARES TR	464287226	10,262	$1.0M	0.13%
85	ISHARES INC	464286681	9,974	$1.0M	0.13%
86	ISHARES TR	464287507	14,570	$950,831	0.12%
87	GLOBAL X FDS	37954Y673	19,923	$948,941	0.12%
88	WISDOMTREE TR	WT	22,567	$899,989	0.12%
89	BLACKROCK ETF TRUST	BLK	16,142	$860,238	0.11%
90	ISHARES TR	46435G516	9,133	$849,186	0.11%
91	SPDR INDEX SHS FDS	78463X889	19,271	$824,610	0.11%
92	ISHARES TR	46436E619	18,664	$819,741	0.11%
93	PACER FDS TR	69374H709	19,252	$762,764	0.10%
94	INVESCO QQQ TR	IVZ	1,267	$760,397	0.10%
95	VANGUARD WORLD FD	921910709	11,097	$759,590	0.10%
96	ISHARES TR	46436E221	24,118	$758,511	0.10%
97	ISHARES TR	464287150	5,014	$730,289	0.09%
98	ISHARES TR	464287481	5,103	$726,718	0.09%
99	J P MORGAN EXCHANGE TRADED F	46641Q308	12,070	$712,064	0.09%
100	HOME DEPOT INC	HD	1,742	$705,880	0.09%
101	AMPHENOL CORP NEW	032095101	5,550	$686,813	0.09%
102	ISHARES U S ETF TR	46431W838	13,387	$676,179	0.09%
103	ISHARES SILVER TR	SLV	15,808	$669,785	0.09%
104	ISHARES TR	46435G102	6,638	$664,132	0.09%
105	SCHWAB STRATEGIC TR	808524797	23,205	$633,504	0.08%
106	CAPITAL GRP FIXED INCM ETF T	14020Y300	22,446	$622,884	0.08%
107	RTX CORPORATION	RTX	3,510	$587,380	0.08%
108	FRANKLIN TEMPLETON HOLDINGS	FGDL	11,228	$580,038	0.07%
109	JPMORGAN CHASE & CO.	VYLD	1,785	$562,926	0.07%
110	ALPHABET INC	GOOG	2,157	$524,367	0.07%
111	ISHARES TR	46432F842	5,952	$519,669	0.07%
112	SCHWAB STRATEGIC TR	808524300	15,792	$503,936	0.06%
113	SELECT SECTOR SPDR TR	81369Y605	9,042	$487,093	0.06%
114	SCHWAB STRATEGIC TR	808524839	20,685	$485,477	0.06%
115	SPDR SERIES TRUST	78464A854	6,007	$470,588	0.06%
116	ISHARES TR	464287465	4,885	$456,112	0.06%
117	VANGUARD CHARLOTTE FDS	92203J407	8,958	$443,063	0.06%
118	AMERICAN EXPRESS CO	AXP	1,320	$438,566	0.06%
119	COSTCO WHSL CORP NEW	22160K105	472	$437,300	0.06%
120	ISHARES TR	464287655	1,783	$431,348	0.06%
121	DIMENSIONAL ETF TRUST	25434V401	5,837	$422,866	0.05%
122	ABRDN SILVER ETF TRUST	SIVR	8,873	$394,671	0.05%
123	SELECT SECTOR SPDR TR	81369Y407	1,630	$390,613	0.05%
124	DELL TECHNOLOGIES INC	DELL	2,751	$390,009	0.05%
125	EXXON MOBIL CORP	XOM	3,431	$386,845	0.05%
126	INVESCO EXCHANGE TRADED FD T	IVZ	6,704	$385,614	0.05%
127	BONDBLOXX ETF TRUST	09789C812	8,154	$380,221	0.05%
128	SELECT SECTOR SPDR TR	81369Y704	2,450	$377,864	0.05%
129	ALPHABET INC	GOOG	1,431	$348,520	0.04%
130	SELECT SECTOR SPDR TR	81369Y209	2,484	$345,698	0.04%
131	SPDR INDEX SHS FDS	78463X848	9,463	$330,448	0.04%
132	J P MORGAN EXCHANGE TRADED F	46641Q761	5,202	$327,258	0.04%
133	ISHARES TR	46432F834	3,841	$317,190	0.04%
134	BROADCOM INC	AVGO	960	$316,714	0.04%
135	NVIDIA CORPORATION	NVDA	1,605	$299,495	0.04%
136	GLOBAL X FDS	37954Y616	8,152	$286,849	0.04%
137	ISHARES TR	46435U713	5,250	$277,305	0.04%
138	THERMO FISHER SCIENTIFIC INC	TMO	563	$273,066	0.04%
139	SPDR SERIES TRUST	78468R705	952	$271,894	0.03%
140	J P MORGAN EXCHANGE TRADED F	46641Q746	6,383	$257,598	0.03%
141	CISCO SYS INC	CSCO	3,745	$256,258	0.03%
142	MOODYS CORP	MCO	533	$253,964	0.03%
143	AUTOMATIC DATA PROCESSING IN	ADP	834	$244,807	0.03%
144	AMAZON COM INC	AMZN	1,098	$241,088	0.03%
145	PROCTER AND GAMBLE CO	742718109	1,551	$238,311	0.03%
146	ISHARES INC	46434G764	3,454	$233,180	0.03%
147	VANGUARD TAX-MANAGED FDS	921943858	3,881	$232,561	0.03%
148	VERISK ANALYTICS INC	VRSK	920	$231,389	0.03%
149	SELECT SECTOR SPDR TR	81369Y308	2,931	$229,702	0.03%
150	ISHARES TR	46434V803	5,722	$226,648	0.03%
151	ABBOTT LABS	ABLZF	1,685	$225,689	0.03%
152	STRYKER CORPORATION	SYK	605	$223,650	0.03%
153	CME GROUP INC	CME	819	$221,286	0.03%
154	JOHNSON & JOHNSON	JNJ	1,172	$217,312	0.03%
155	ADOBE INC	ADBE	609	$214,825	0.03%
156	CHEVRON CORP NEW	CVX	1,340	$208,026	0.03%
157	XCEL ENERGY INC	XELLL	2,496	$201,281	0.03%
158	CDW CORP	CDW	1,259	$200,534	0.03%
159	READY CAPITAL CORP	RC-PE	16,218	$62,764	0.01%