Business Details
Trusted Fiduciary Financial Advisory Services in Princeton, NJ
Retire Smart Consulting is a fiduciary-driven financial advisory firm dedicated to providing conflict-free, client-centric solutions. Our team prioritizes continuous education to deliver innovative financial strategies tailored to individual and organizational needs. With a focus on transparency, we specialize in comprehensive financial planning, retirement strategies, and investment management for high-net-worth individuals and businesses.Our fiduciary commitment ensures all recommendations align strictly with client interests, avoiding commission-based incentives. We empower clients through educational workshops and customized retirement plan management, reducing fiduciary liability for businesses while promoting long-term wealth preservation.
Services
Financial Planning
Retirement Planning
Investment Management
Estate Planning
Business Retirement Plans
Wealth Preservation
Social Security Optimization
Tax Planning
Nonprofit Consulting
Retirement Workshops
Details
- Year established: 2025
Highlights and features
- We operate as a 100% fiduciary with no commission-based products
- Our team holds advanced certifications including CFP and AIF designations
- We provide customized retirement plan solutions for businesses and nonprofits
- Our educational workshops reduce employer fiduciary liability
- We serve clients nationwide with virtual and in-person consultations
Associations and certifications
- Certified Financial Planner Board of Standards
Services
Financial Planning
Our comprehensive financial planning service creates customized roadmaps for long-term financial success. We analyze cash flow, tax strategies, and investment portfolios to develop personalized plans that address retirement goals, estate planning, and wealth transfer. With a fiduciary focus, we ensure all recommendations prioritize client interests while maintaining compliance with global financial standards.
Retirement Planning
Specialized retirement planning addresses longevity risks and income sustainability. We develop strategies for Social Security optimization, pension coordination, and tax-efficient withdrawals. Our approach considers healthcare costs, lifetime income solutions, and sequence-of-returns risk management to create sustainable retirement income plans tailored to individual needs and risk tolerance levels.
Investment Management
Fiduciary investment management services construct and monitor diversified portfolios aligned with client goals and risk profiles. We implement evidence-based strategies using global market standards while maintaining strict conflict-of-interest policies. Our independent approach avoids proprietary products, focusing solely on client-aligned investment solutions with transparent fee structures.
Business Retirement Plans
We provide fiduciary support for business retirement plans including 401(k), SEP, and defined benefit structures. Our services reduce employer liability through investment lineup analysis, compliance guidance, and employee education programs. We help businesses optimize retirement benefits while maintaining ERISA compliance and minimizing operational burdens.
Estate Planning
Collaborative estate planning coordinates with legal professionals to create comprehensive wealth transfer strategies. We address tax implications, beneficiary designations, and asset preservation techniques. Our approach ensures smooth intergenerational wealth transfer while minimizing probate requirements and maximizing inheritance value for clients' beneficiaries.
People
Shikha Mittra
President/Principal
Certified Financial Planner with multiple advanced designations including AIF and CEPA. 20+ years of experience in wealth management and retirement planning for high-net-worth individuals and businesses. Developed innovative financial strategies for clients nationwide while maintaining strict fiduciary standards.
Questions
What makes Retire Smart Consulting different from other financial advisors?
We operate as a 100% fiduciary with no commission-based products, ensuring all recommendations prioritize client interests without conflicts of interest.
Do you work with clients outside the Princeton area?
Yes, we serve clients nationwide through virtual meetings and provide local in-person services in the Princeton, NJ area.
What types of retirement plans do you support?
We support 401(k), SEP, Profit Sharing, Defined Benefit, Cash Balance, and Single Employer plans for businesses of all sizes.
How are your services compensated?
We operate on a fee-only basis with transparent pricing structures, never earning commissions or referral fees from financial products.
Do you offer educational resources for businesses?
Yes, we provide financial wellness workshops for employers to improve employee financial literacy and retirement plan participation rates.
