Sharkey, Howes & Javer 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	1,100	7,762	SH		SOLE	0	0	0	7,762
ISHARES TR	ESG MSCI USA ETF	46436E767	662	19,969	SH		SOLE	0	0	0	19,969
DEERE & CO	COM	244199105	211	565	SH		SOLE	0	0	0	565
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,957	4,937	SH		SOLE	0	0	0	4,937
ABBOTT LABS	COM	002824100	286	2,385	SH		SOLE	0	0	0	2,385
READY CAPITAL CORP	COM	75574U101	218	16,218	SH		SOLE	0	0	0	16,218
ISHARES TR	COHEN STEER REIT	464287564	261	4,510	SH		SOLE	0	0	0	4,510
AMAZON COM INC	COM	023135106	269	87	SH		SOLE	0	0	0	87
XCEL ENERGY INC	COM	98389B100	205	3,079	SH		SOLE	0	0	0	3,079
APPLE INC	COM	037833100	1,003	8,210	SH		SOLE	0	0	0	8,210
ISHARES TR	MSCI USA MIN VOL	46429B697	1,946	28,129	SH		SOLE	0	0	0	28,129
ISHARES TR	MSCI USA QLT FCT	46432F339	807	6,629	SH		SOLE	0	0	0	6,629
ISHARES TR	U.S. MED DVC ETF	464288810	4,139	12,528	SH		SOLE	0	0	0	12,528
ISHARES TR	ESG AW MSCI EAFE	46435G516	515	6,784	SH		SOLE	0	0	0	6,784
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	4,509	45,240	SH		SOLE	0	0	0	45,240
ISHARES TR	U.S. ENERGY ETF	464287796	3,601	137,270	SH		SOLE	0	0	0	137,270
ISHARES TR	MSCI USA VALUE	46432F388	10,746	104,881	SH		SOLE	0	0	0	104,881
ISHARES TR	ESG AWRE 1 5 YR	46435G243	399	15,346	SH		SOLE	0	0	0	15,346
ISHARES TR	MSCI KLD400 SOC	464288570	541	7,089	SH		SOLE	0	0	0	7,089
ISHARES TR	CORE TOTAL USD	46434V613	17,054	323,308	SH		SOLE	0	0	0	323,308
ISHARES INC	ESG AWR MSCI EM	46434G863	11,567	267,083	SH		SOLE	0	0	0	267,083
ISHARES TR	RUS 2000 GRW ETF	464287648	247	822	SH		SOLE	0	0	0	822
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,362	14,082	SH		SOLE	0	0	0	14,082
ISHARES TR	US TREAS BD ETF	46429B267	18,923	722,546	SH		SOLE	0	0	0	722,546
CISCO SYS INC	COM	17275R102	218	4,221	SH		SOLE	0	0	0	4,221
ISHARES TR	CORE S&P SCP ETF	464287804	7,008	64,569	SH		SOLE	0	0	0	64,569
ISHARES TR	ESG ADV TTL USD	46436E619	1,392	28,390	SH		SOLE	0	0	0	28,390
EXXON MOBIL CORP	COM	30231G102	269	4,825	SH		SOLE	0	0	0	4,825
ANALOG DEVICES INC	COM	032654105	1,010	6,513	SH		SOLE	0	0	0	6,513
QUANTA SVCS INC	COM	74762E102	373	4,241	SH		SOLE	0	0	0	4,241
CHEVRON CORP NEW	COM	166764100	201	1,914	SH		SOLE	0	0	0	1,914
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,072	4,195	SH		SOLE	0	0	0	4,195
ISHARES TR	IBOXX INV CP ETF	464287242	7,759	59,660	SH		SOLE	0	0	0	59,660
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	643	17,103	SH		SOLE	0	0	0	17,103
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	813	6,267	SH		SOLE	0	0	0	6,267
ISHARES TR	RUS 1000 VAL ETF	464287598	1,315	8,677	SH		SOLE	0	0	0	8,677
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	238	2,804	SH		SOLE	0	0	0	2,804
ISHARES TR	ESG EAFE ETF	46436E759	458	7,060	SH		SOLE	0	0	0	7,060
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	1,150	8,659	SH		SOLE	0	0	0	8,659
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	3,092	42,398	SH		SOLE	0	0	0	42,398
HOME DEPOT INC	COM	437076102	597	1,956	SH		SOLE	0	0	0	1,956
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	641	3,100	SH		SOLE	0	0	0	3,100
ISHARES TR	CORE US AGGBD ET	464287226	8,609	75,629	SH		SOLE	0	0	0	75,629
ISHARES TR	ESG AWR MSCI USA	46435G425	56,622	623,113	SH		SOLE	0	0	0	623,113
INVESCO QQQ TR	UNIT SER 1	46090E103	513	1,607	SH		SOLE	0	0	0	1,607
WELLS FARGO CO NEW	COM	949746101	543	13,902	SH		SOLE	0	0	0	13,902
WISDOMTREE TR	INTL QULTY DIV	97717X131	3,416	92,135	SH		SOLE	0	0	0	92,135
UNITEDHEALTH GROUP INC	COM	91324P102	221	595	SH		SOLE	0	0	0	595
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	13,480	65,101	SH		SOLE	0	0	0	65,101
ISHARES TR	ESG AWARE MSCI	46435U663	411	10,676	SH		SOLE	0	0	0	10,676
ISHARES TR	RUS 1000 ETF	464287622	1,620	7,238	SH		SOLE	0	0	0	7,238
MICROSOFT CORP	COM	594918104	2,014	8,542	SH		SOLE	0	0	0	8,542
ISHARES TR	CORE S&P MCP ETF	464287507	772	2,966	SH		SOLE	0	0	0	2,966
ISHARES TR	RUS 1000 GRW ETF	464287614	3,001	12,347	SH		SOLE	0	0	0	12,347
ISHARES TR	RUSSELL 2000 ETF	464287655	1,150	5,204	SH		SOLE	0	0	0	5,204
ISHARES TR	CORE MSCI EAFE	46432F842	216	3,002	SH		SOLE	0	0	0	3,002
ADOBE SYSTEMS INCORPORATED	COM	00724F101	380	800	SH		SOLE	0	0	0	800
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	8,972	93,434	SH		SOLE	0	0	0	93,434
ISHARES TR	FALN ANGLS USD	46435G474	3,341	114,275	SH		SOLE	0	0	0	114,275
ISHARES TR	ESG AWRE USD ETF	46435G193	759	28,170	SH		SOLE	0	0	0	28,170
GLOBAL X FDS	THMATC GWT ETF	37954Y418	12,961	270,442	SH		SOLE	0	0	0	270,442
ISHARES TR	MBS ETF	464288588	1,609	14,843	SH		SOLE	0	0	0	14,843
ISHARES TR	MSCI GLOBAL IMP	46435G532	898	9,473	SH		SOLE	0	0	0	9,473
ISHARES TR	RUS MD CP GR ETF	464287481	790	7,736	SH		SOLE	0	0	0	7,736
ISHARES TR	EAFE VALUE ETF	464288877	14,313	280,803	SH		SOLE	0	0	0	280,803
ISHARES TR	ISHS 1-5YR INVS	464288646	13,516	247,181	SH		SOLE	0	0	0	247,181
INVESCO EXCH TRADED FD TR II	S&P MIDCP LOW	46138E198	327	6,239	SH		SOLE	0	0	0	6,239
ISHARES TR	CORE S&P500 ETF	464287200	29,479	74,102	SH		SOLE	0	0	0	74,102
ISHARES TR	GLOBAL TECH ETF	464287291	8,056	26,178	SH		SOLE	0	0	0	26,178
SPDR SER TR	PRTFLO S&P500 VL	78464A508	268	7,080	SH		SOLE	0	0	0	7,080
ISHARES TR	EAFE GRWTH ETF	464288885	10,082	100,358	SH		SOLE	0	0	0	100,358
ISHARES TR	MSCI USA MMENTM	46432F396	3,412	21,208	SH		SOLE	0	0	0	21,208
JOHNSON & JOHNSON	COM	478160104	651	3,959	SH		SOLE	0	0	0	3,959
THERMO FISHER SCIENTIFIC INC	COM	883556102	450	987	SH		SOLE	0	0	0	987
DELL TECHNOLOGIES INC	CL C	24703L202	364	4,129	SH		SOLE	0	0	0	4,129
ISHARES TR	GENOMICS IMMUN	46435U192	2,962	64,798	SH		SOLE	0	0	0	64,798
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	2,892	38,858	SH		SOLE	0	0	0	38,858