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Shikha Mittra

Retirement, Investing, Small Business
“With over 20 years of industry experience, Shikha Mittra is a fee only advisor, helping clients achieve financial success through a prudent process that is based on fiduciary standards of excellence.”


Job Title:



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 .

Fee Structure:

Fee only

CRD Number:


Insurance License:


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August 2018

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    Marriage / Divorce, Bonds / Fixed Income, Choosing an Advisor, ETFs, Mutual Funds
Does my new financial advisor's strategy make sense, and are there hidden fees attached to mutual funds?
100% of people found this answer helpful

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.

February 2019
    Financial Planning, Investing, 401(k), Taxes
Can I deliberately exceed 401(k) contribution limits?
50% of people found this answer helpful
February 2019
    Retirement, Social Security, IRAs, Taxes, Income Tax
How can my wife and I reduce income tax when we start to withdraw from our IRA accounts during retirement years?
50% of people found this answer helpful
March 2019
    Investing, Choosing an Advisor, IRAs
Is it normal for my broker to make over 50 trades in one year for one of my IRAs?
33% of people found this answer helpful
March 2019
    Investing, Stocks
How does the buy out of a company affect me if I hold stock in the company that's bought in the sale?
25% of people found this answer helpful
November 2017