Our Principal

Our Principal



Shikha 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 Mittra has also been rated as of the Best Financial Advisors for Doctors in 2012 by Medical Economics. In 2015, she coauthored the Retirement Section of a handbook for physicians and their advisors, published by CRC.


Coauthor of “Comprehensive Strategies for Physicians and their Advisors”(2015) ( CRC) .

Editor” Finance for Non -finance Majors”(McGraw Hill)

Adjunct Faculty at Rutgers State University, New Brunswick, NJ (present)
Regional Board Member of NAPFA (2011 to 2013)

Board of Directors Leadership Award from NAPFA (2013)
Board of Trustees of Financial Planning Association of New Jersey Chapter (2008-2011)
Advisory Board Member of the” Journal of Financial Planning” (2008-2009).
Speaker at various non-profit events.
Provide pro bono work to Seniors who cannot afford a planner.

Education & Certifications:

  • ACCREDITED INVESTMENT FIDUCIARY (AIF®): Signifies knowledge of fiduciary responsibility & the ability to implement policies & procedures that meet a defined standard of care.


  • CHARTERED MUTUAL FUND COUNSELOR (CMFC®):  Can help choose which funds best meet client’s needs from saving for college, building a nest egg for retirement, choosing investments for your 401K plan to managing your portfolio.

  • CHARTERED RETIREMENT PLAN SPECIALIST (CRPS®):.As retirement plan options evolve and tax complexities increase, a CHARTERED RETIREMENT PLANS SPECIALIST can help 401K plan sponsors to implement, oversee in designing, installing, and maintaining their company retirement plans. 

  • CERTIFIED CASH BALANCE CONSULTANT: Specialized designation to help high earning self-employed clients choose retirement plans to optimize their contributions and deductions.

  • PPC®: Designation signifies specialized training on retirement plan management and administration and ERISA compliance. The designation is the culmination of a rigorous training program, including a comprehensive, closed-book final examination under the supervision of a proctor, and agreement to abide by the Code of Ethics and Conduct Standards.

Master’s in Business Administration (MBA)


Local Business Owner Shikha Mittra Named to NSBA Leadership Council

Princeton -Shikha Mittra, President of RETIRE SMART Consulting LLC. was recently renamed to the National Small Business Association (NSBA) Leadership Council. NSBA is the nation’s oldest small-business advocacy organization and operates on a staunchly nonpartisan basis. Mittra, a recognized leader in the small-business community, rejoins the NSBA Leadership Council alongside other small-business advocates from across the country as they work to promote the interests of small business to policymakers in Washington, D.C.

“As a small-business owner, I see daily the importance of being involved and active when it comes to laws and regulation,” stated Mittra. “Joining NSBA’s Leadership Council will enable me to take our collective small-business message to the people that need to hear it most: Congress.”

“I am proud to have Shikha Mittra as part of our Leadership Council,” stated NSBA President and CEO Todd McCracken. “. She came to us highly recommended and I look forward our coordinated efforts for years to come.”

Our Accreditations

AIF  www.cfp     CMFC



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