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:


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August 2017

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    Financial Planning, Choosing an Advisor
What is the average cost of a one time retirement plan from a fee-only advisor?
33% of people found this answer helpful

That all depends on the fee only advisor's experience, skills, and qualifications. Its like getting a heart surgery. Would you like to go a doctor who offers a cheaper price or would you rather go to someone who is experienced and has certifications/credentials? 

Shikha Mittra

November 2016
    Retirement Plans
How does a defined benefit pension plan differ from a defined contribution plan?
25% of people found this answer helpful
November 2016
    401(k), Taxes
What are the tax implications of the differing rates you can withdraw from your 401(k)?
0% of people found this answer helpful
January 2017
Can a pension be reduced?
0% of people found this answer helpful
November 2016
    Financial Planning, 401(k)
Will my 401(k) be altered or do I need an entirely new plan?
0% of people found this answer helpful
November 2016