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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OMB Number:		3235-0006
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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
ABRDN ETFS	BBRG ALL COMMDY	003261203	1,513	43,558	SH		SOLE	0	0	0	43,558
ADOBE SYSTEMS INCORPORATED	COM	00724F101	251	913	SH		SOLE	0	0	0	913
ALPHABET INC	CAP STK CL A	02079K305	209	2,180	SH		SOLE	0	0	0	2,180
ANALOG DEVICES INC	COM	032654105	813	5,833	SH		SOLE	0	0	0	5,833
APPLE INC	COM	037833100	1,153	8,342	SH		SOLE	0	0	0	8,342
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,008	3,774	SH		SOLE	0	0	0	3,774
BLACKROCK ETF TRUST	US CARBON TRANS	09290C509	1,031	25,863	SH		SOLE	0	0	0	25,863
CAMBRIA ETF TR	SHSHLD YIELD ETF	132061201	2,072	39,398	SH		SOLE	0	0	0	39,398
CHEVRON CORP NEW	COM	166764100	353	2,458	SH		SOLE	0	0	0	2,458
COSTCO WHSL CORP NEW	COM	22160K105	219	463	SH		SOLE	0	0	0	463
DBX ETF TR	XTRCKR MSCI US	233051150	497	15,237	SH		SOLE	0	0	0	15,237
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	245	6,302	SH		SOLE	0	0	0	6,302
EXXON MOBIL CORP	COM	30231G102	413	4,728	SH		SOLE	0	0	0	4,728
GLOBAL X FDS	S&P 500 QLT ETF	37954Y616	1,532	54,834	SH		SOLE	0	0	0	54,834
GLOBAL X FDS	THMATC GWT ETF	37954Y418	565	21,790	SH		SOLE	0	0	0	21,790
HOME DEPOT INC	COM	437076102	574	2,081	SH		SOLE	0	0	0	2,081
INVESCO ACTIVELY MANAGED ETF	BLNCD MLTI AST	46090A200	6,145	447,253	SH		SOLE	0	0	0	447,253
INVESCO EXCH TRADED FD TR II	NASDAQ 100 ETF	46138G649	289	2,632	SH		SOLE	0	0	0	2,632
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	955	7,506	SH		SOLE	0	0	0	7,506
INVESCO QQQ TR	UNIT SER 1	46090E103	361	1,351	SH		SOLE	0	0	0	1,351
ISHARES INC	MSCI EMERG MRKT	464286533	10,697	211,066	SH		SOLE	0	0	0	211,066
ISHARES INC	ESG AWR MSCI EM	46434G863	885	31,980	SH		SOLE	0	0	0	31,980
ISHARES TR	MSCI KLD400 SOC	464288570	5,351	79,902	SH		SOLE	0	0	0	79,902
ISHARES TR	CORE TOTAL USD	46434V613	32,262	724,993	SH		SOLE	0	0	0	724,993
ISHARES TR	US TREAS BD ETF	46429B267	26,320	1,156,435	SH		SOLE	0	0	0	1,156,435
ISHARES TR	CORE MSCI TOTAL	46432F834	502	9,864	SH		SOLE	0	0	0	9,864
ISHARES TR	MSCI USA VALUE	46432F388	3,012	36,794	SH		SOLE	0	0	0	36,794
ISHARES TR	U.S. ENERGY ETF	464287796	478	12,172	SH		SOLE	0	0	0	12,172
ISHARES TR	SELECT DIVID ETF	464287168	421	3,930	SH		SOLE	0	0	0	3,930
ISHARES TR	NATIONAL MUN ETF	464288414	15,398	150,110	SH		SOLE	0	0	0	150,110
ISHARES TR	ESG MSCI USA ETF	46436E767	3,295	117,588	SH		SOLE	0	0	0	117,588
ISHARES TR	TIPS BD ETF	464287176	7,383	70,377	SH		SOLE	0	0	0	70,377
ISHARES TR	MSCI GBL SUS DEV	46435G532	721	10,170	SH		SOLE	0	0	0	10,170
ISHARES TR	COHEN STEER REIT	464287564	242	4,505	SH		SOLE	0	0	0	4,505
ISHARES TR	0-5 YR TIPS ETF	46429B747	424	4,407	SH		SOLE	0	0	0	4,407
ISHARES TR	MSCI USA MIN VOL	46429B697	4,971	75,200	SH		SOLE	0	0	0	75,200
ISHARES TR	10-20 YR TRS ETF	464288653	4,304	39,506	SH		SOLE	0	0	0	39,506
ISHARES TR	MSCI USA QLT FCT	46432F339	589	5,668	SH		SOLE	0	0	0	5,668
ISHARES TR	ESG AW MSCI EAFE	46435G516	832	14,819	SH		SOLE	0	0	0	14,819
ISHARES TR	U.S. MED DVC ETF	464288810	1,229	26,058	SH		SOLE	0	0	0	26,058
ISHARES TR	ESG ADV TTL USD	46436E619	6,355	151,885	SH		SOLE	0	0	0	151,885
ISHARES TR	CORE S&P SCP ETF	464287804	4,940	56,656	SH		SOLE	0	0	0	56,656
ISHARES TR	RUS 1000 VAL ETF	464287598	988	7,264	SH		SOLE	0	0	0	7,264
ISHARES TR	CONV BD ETF	46435G102	2,184	31,703	SH		SOLE	0	0	0	31,703
ISHARES TR	IBOXX INV CP ETF	464287242	689	6,722	SH		SOLE	0	0	0	6,722
ISHARES TR	ESG AWR MSCI USA	46435G425	64,675	814,443	SH		SOLE	0	0	0	814,443
ISHARES TR	CORE US AGGBD ET	464287226	209	2,171	SH		SOLE	0	0	0	2,171
ISHARES TR	ESG EAFE ETF	46436E759	700	15,027	SH		SOLE	0	0	0	15,027
ISHARES TR	CORE S&P TTL STK	464287150	505	6,344	SH		SOLE	0	0	0	6,344
ISHARES TR	MBS ETF	464288588	2,408	26,298	SH		SOLE	0	0	0	26,298
ISHARES TR	MSCI EAFE ETF	464287465	4,534	80,950	SH		SOLE	0	0	0	80,950
ISHARES TR	ISHS 1-5YR INVS	464288646	264	5,362	SH		SOLE	0	0	0	5,362
ISHARES TR	RUS MD CP GR ETF	464287481	535	6,821	SH		SOLE	0	0	0	6,821
ISHARES TR	EAFE VALUE ETF	464288877	14,767	383,268	SH		SOLE	0	0	0	383,268
ISHARES TR	CORE S&P MCP ETF	464287507	776	3,541	SH		SOLE	0	0	0	3,541
ISHARES TR	RUS 1000 GRW ETF	464287614	2,532	12,035	SH		SOLE	0	0	0	12,035
ISHARES TR	RUSSELL 2000 ETF	464287655	1,406	8,524	SH		SOLE	0	0	0	8,524
ISHARES TR	ESG AWARE MSCI	46435U663	855	27,889	SH		SOLE	0	0	0	27,889
ISHARES TR	MSCI ACWI ETF	464288257	222	2,847	SH		SOLE	0	0	0	2,847
ISHARES TR	RUS 1000 ETF	464287622	1,085	5,498	SH		SOLE	0	0	0	5,498
ISHARES TR	EAFE GRWTH ETF	464288885	12,744	175,627	SH		SOLE	0	0	0	175,627
ISHARES TR	CORE HIGH DV ETF	46429B663	9,380	102,746	SH		SOLE	0	0	0	102,746
ISHARES TR	FALN ANGLS USD	46435G474	4,089	171,100	SH		SOLE	0	0	0	171,100
ISHARES TR	ESG AWRE USD ETF	46435G193	1,239	56,886	SH		SOLE	0	0	0	56,886
ISHARES TR	US INFRASTRUC	46435U713	1,837	56,971	SH		SOLE	0	0	0	56,971
ISHARES TR	CORE S&P500 ETF	464287200	64,369	179,475	SH		SOLE	0	0	0	179,475
ISHARES TR	GLOBAL TECH ETF	464287291	1,795	42,552	SH		SOLE	0	0	0	42,552
ISHARES U S ETF TR	GSCI CMDTY STGY	46431W853	2,718	76,089	SH		SOLE	0	0	0	76,089
JOHNSON & JOHNSON	COM	478160104	390	2,389	SH		SOLE	0	0	0	2,389
MICROSOFT CORP	COM	594918104	1,565	6,720	SH		SOLE	0	0	0	6,720
NUSHARES ETF TR	NUVEEN ESG LRGCP	67092P201	555	12,035	SH		SOLE	0	0	0	12,035
NUSHARES ETF TR	NUVEEN ESG US	67092P870	979	45,206	SH		SOLE	0	0	0	45,206
NUSHARES ETF TR	NUVEEN ESG SMLCP	67092P607	382	11,929	SH		SOLE	0	0	0	11,929
PACER FDS TR	GLOBL CASH ETF	69374H709	9,285	347,114	SH		SOLE	0	0	0	347,114
PIMCO ETF TR	0-5 HIGH YIELD	72201R783	587	6,715	SH		SOLE	0	0	0	6,715
PROCTER AND GAMBLE CO	COM	742718109	221	1,753	SH		SOLE	0	0	0	1,753
QUANTA SVCS INC	COM	74762E102	428	3,358	SH		SOLE	0	0	0	3,358
READY CAPITAL CORP	COM	75574U101	164	16,218	SH		SOLE	0	0	0	16,218
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	958	25,347	SH		SOLE	0	0	0	25,347
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	3,108	74,028	SH		SOLE	0	0	0	74,028
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	454	16,145	SH		SOLE	0	0	0	16,145
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	269	4,826	SH		SOLE	0	0	0	4,826
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	21,709	326,790	SH		SOLE	0	0	0	326,790
SCHWAB STRATEGIC TR	INTERNL DIVID	808524672	4,013	200,526	SH		SOLE	0	0	0	200,526
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	1,645	27,178	SH		SOLE	0	0	0	27,178
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	6,086	143,709	SH		SOLE	0	0	0	143,709
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	1,029	8,659	SH		SOLE	0	0	0	8,659
SPDR INDEX SHS FDS	SPDR BLOOMBERG S	78470E304	269	13,085	SH		SOLE	0	0	0	13,085
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,595	4,465	SH		SOLE	0	0	0	4,465
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	15,567	337,753	SH		SOLE	0	0	0	337,753
SPDR SER TR	PORTFOLIO AGRGTE	78464A649	2,496	100,044	SH		SOLE	0	0	0	100,044
SPDR SER TR	PORTFOLIO SHORT	78464A474	4,961	169,796	SH		SOLE	0	0	0	169,796
SPDR SER TR	S&P 600 SML CAP	78464A813	2,109	27,859	SH		SOLE	0	0	0	27,859
SPDR SER TR	PRTFLO S&P500 VL	78464A508	5,272	152,867	SH		SOLE	0	0	0	152,867
THERMO FISHER SCIENTIFIC INC	COM	883556102	298	587	SH		SOLE	0	0	0	587
UNITEDHEALTH GROUP INC	COM	91324P102	327	648	SH		SOLE	0	0	0	648
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	4,393	61,580	SH		SOLE	0	0	0	61,580
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	543	1,653	SH		SOLE	0	0	0	1,653
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	6,674	37,186	SH		SOLE	0	0	0	37,186
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	2,257	38,706	SH		SOLE	0	0	0	38,706
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	8,354	47,932	SH		SOLE	0	0	0	47,932
VANGUARD WORLD FD	ESG US STK ETF	921910733	324	5,144	SH		SOLE	0	0	0	5,144
VANGUARD WORLD FD	ESG US CORP BD	921910691	332	5,590	SH		SOLE	0	0	0	5,590
VANGUARD WORLD FD	ESG INTL STK ETF	921910725	307	7,058	SH		SOLE	0	0	0	7,058
WISDOMTREE TR	INTL QULTY DIV	97717X131	384	14,582	SH		SOLE	0	0	0	14,582
XCEL ENERGY INC	COM	98389B100	203	3,171	SH		SOLE	0	0	0	3,171