By Amy Bell, White Lightning Communications.
Some people begin retirement planning at 60 and still achieve financial freedom. Dr. Bridgmohan reveals how late starters can still win.
For many Canadians, retirement is no longer a clear finish line. Rising living costs, market uncertainty, and longer lifespans have left people wondering if they will ever feel ready to stop working. Yet according to Dr. Natasha Bridgmohan, Founder of The Intelligent Consulting Group™ (ICG), it is never too late to build a stable, comfortable retirement.
“People come to us in their 60s thinking they’ve missed their chance,” says Dr. Bridgmohan. “They feel unprepared, but most already have the tools they need. What they lack is a plan that makes everything work together.”
Dr. Bridgmohan has spent over two decades helping Canadians organize their finances and navigate complex life transitions. Through ICG, her team works with clients to prepare, structure, and align their financial picture before involving accountants, lawyers, or trustees.
“If you are between 60 and 70, there is still a lot you can do,” she explains. “We look at everything, your pensions, RRSPs, property, investments, and even debt, to see where the gaps are and where your money can work harder.”
Her approach combines education with strategy. The team focuses on reducing taxes, maximizing government benefits, and creating reliable income streams that last through retirement. “The goal is to make sure your money outlives you,” says Dr. Bridgmohan.
Smart Strategies for a Stronger Retirement
For Canadians nearing retirement, several overlooked tools can make a big difference. “We show clients how to take advantage of every benefit available,” Dr. Bridgmohan explains. “That includes property tax relief, utility rebates, and federal credits through the CRA. We also help maximize Old Age Security (OAS) and the Guaranteed Income Supplement (GIS).”
Her team reviews existing savings accounts such as RIFs and LIFs to ensure they perform well and are set up for efficient withdrawals. They also focus on minimizing tax exposure and increasing dividend income. “A small adjustment can sometimes create thousands of dollars in annual savings,” she adds.
Protecting Your Legacy
Dr. Bridgmohan also emphasizes the importance of estate preparation. “We make sure your will, power of attorney, and beneficiary designations are current,” she says. “People often overlook this part, yet it is one of the most powerful steps in avoiding unnecessary costs for your family.”
Generational wealth planning is another focus. “We help clients plan how to pass assets to children and grandchildren. It is about creating security and leaving a lasting impact.”
Guidance You Can Trust
Retirement planning often feels complicated because so many moving parts are involved. ICG simplifies the process by preparing a clear financial roadmap that brings every aspect of your planning into focus.
Another advantage with ICG is access to its network of in-house professionals in finance, real estate, law, and investments. This collaborative structure ensures that every part of your plan works together seamlessly. “Our team connects every step of the process,” says Dr. Bridgmohan. “When specialists collaborate under one roof, clients experience faster results, fewer delays, and greater peace of mind.”
“Our job is to prepare you for success,” she adds. “We bring clarity, strategy, and confidence to every retirement plan.” No one should enter retirement feeling uncertain.”
ICG is currently offering a free 30-minute retirement planning session to help Canadians assess their readiness for retirement and identify areas for improvement.
“It’s never too late to start planning,” says Dr. Bridgmohan. “You worked hard for your money. Now it’s time to make it work for you.”
