RETIRE SMART Consulting, LLC
Shikha Mittra is the Principal of RETIRE SMART Consulting, LLC and has over twenty years of industry experience working with top level executives (both in public and private sectors), business owners and self-employed professionals. Previously, she has worked for two major fortune 500 companies and received several awards for her work. She has been rated as one of top Financial Planners in the Country since 2006. Shikha has also been rated as of the Best Financial Advisors for Doctors in 2012 by Medical Economics. In 2015, she co-authored the Retirement Section of a handbook for physicians and their advisors, published by CRC, “Comprehensive Strategies for Physicians and their Advisors”.
Shikha started RETIRE SMART Consulting, because she believes the existing process is flawed. Financial planning should be transparent of fees, and advice should not be based on product sales. It creates a conflict of interest.
Additionally, Shikha is an editor for ”Finance for Non -finance Majors” (McGraw Hill). She is also currently an Adjunct Faculty member at Rutgers State University, New Brunswick, NJ. She served as a Regional Board Member of NAPFA (2011 to 2013), earned the Board of Directors Leadership Award from NAPFA (2013), on the Board of Trustees of Financial Planning Association of New Jersey Chapter (2008-2011) and an Advisory Board Member of the” Journal of Financial Planning” (2008-2009). Shikha is very involved in her community as she is a speaker at various non-profit events and provides pro bono work to Seniors who cannot afford a planner.She is also a Leadership Council member since 2014) of NSBA,(National Small Business Association) the oldest ,a non bipartisan advocacy group working with Congress to advocate for issues concerning small businesses .
If you are asking if .72 expenses ratio is high, yes there might be others that could be lower. But go back to the drawing board, specify your needs and if low expense is a criteria, mention that. A fiduciary might come up a with recommneded portfolio.
From conveneience saving automatically makes sense but why not diversify and invest in other funds.
One thing is not to have an income. So if you are working try pushing your Social Security till 70 if you dont need it .Another is to convert into Roth!
Try to get a second opinion from a fee only financial advisor. They have no conflicts of interest.
Is the stock a public company or private? If public, with a merger, will be based on stock price after the merger . If you are refering to stock options that depends on wheter they are vested. If private, then depends on how deal is structured.Lots of unknown.