Our Services

We offer a proven framework to free up cash flow, eliminate debt faster, and build
lasting wealth without sacrificing what matters. Each service is tailored to guide you
from financial stress to financial confidence, using data-driven strategies that prioritize your goals.

Cash Flow Optimization

Find breathing room in your monthly budget—without sacrificing what matters.

Mortgage-Free in 10.8

Imagine freedom from your mortgage years sooner, with a plan you can live with.

Asset Accumulation

Grow wealth with purpose and simplicity. Give your assets time to compound.

iROR Benchmark

Measure progress clearly to stay on track, build lasting confidence, and adjust when needed.

PDQ Financial Formula

Integrates cash flow, debt reduction, and asset building into one seamless strategy to accelerate net worth growth.

Lifestyle-Friendly Financial Goals

Optimizes finances without lifestyle changes, achieving goals smoothly.

Your path to financial freedom
step by step

Explore supportive programs built to meet you where you are:
each designed to free cash flow, shorten timelines, and build lasting wealth.

Contact Us

How It Works

One Formula – 3 QUICKER Programs Acheives One Synergistic Result – FINANCIAL TIME ™

The Asset Accumulation Program™, a cornerstone of the Quicker Formula, transforms your mortgage payments into a powerful wealth-building engine by leveraging Financial Time™—the strategic balance of minimizing time spent paying compounding interest and maximizing time earning compounding returns.

One Formula 3 QUICKER Programs
Program Role
✔Cash Flow Optimization™ Analyze your budget to uncover “found money” for strategic use.
✔Mortgage Free in 10™ Deploys equity-asset strategies to generate cash flow and pay off your mortgage in ~10 years instead of 25.
✔Asset Accumulation™ Redirects your former mortgage payment into investments. Your paid-off home becomes a compounding asset starting year 11.
✔Result Less time in debt. More time compounding wealth. Financial Time™ works for you.

Take Control of Your Financial Future

Ready to harness Financial Time™? No obligation exploratory meeting. Get Started: Let’s do the math together and unlock your wealth-building potential.

Free Exploratory Chat • No Pressure Ever • Built for Canadian Homeowners

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Frequently Asked Questions

The objective of this program is to take your former mortgage payments and re-allocate them into savings so you can accumulate more wealth in your income earning years. By starting earlier, there is a future value benefit of Time which enables the effect of compounding growth of your wealth. Time of compounding is the key to maximizing your net worth! Depending on your specific situation, we can begin to transition a client into the Asset Accumulation program™ at any time. Your iROR™ will tell us when to begin this transition, and to what degree. We invite you to fill out our application form so we can sit down, analyze your household finances and do the math together. We’re confident you will like the results.

A mortgage with a strategy to pay it off – quicker! The long and the short of it is many households spend way too much time paying off liabilities (especially mortgage interest and principal) and run out of time in their wealth building phase to accumulate significant assets. PDQ Wealth Management is the first investment planning company to take a formula-based approach to helping households maximize their net worth. The “quicker formula” incorporates 3 relational programs which optimize household cash-flow, minimize time spent paying off liabilities and maximize the time for asset accumulation.

The Ca$h-flow Optimization™ program is unique to the financial planning industry and is the keystone to the formula. As the foundation, it qualifies you to become a client by meeting certain criteria as determined by the suitability analysis administered by PDQ Wealth Management. The program encompasses a detailed analysis of your cash-flow situation and includes recommendations on where (and how) to free up money and redirect spending in order to optimize your financial resources. Through this process, your iROR™ is calculated (individual rate of return). This becomes the benchmark by which all future financial decisions are measured against. Your iROR™ is the “glue” that integrates the programs of the formula together. In most cases, these objectives are accomplished without a significant impact on your current lifestyle.

You could forgo saving $360,000 in mortgage payments which converts to $480,000 in additional net worth at retirement (based on the following example) Now, you’re probably thinking, “how can the cost be that big?” Well, allow us to demonstrate with the following example. In this example, assume your monthly mortgage payments are $2000, consisting of $1500 in interest and $500 in principal. Our goal is to free up an extra $500 a month from your income in order to direct that money solely toward the principal component of your mortgage. Essentially, by pre‐paying your principal by $500, you have met next month’s $500 principal obligation; thereby a mortgage payment is skipped on your amortization schedule – saving you $1500 interest. Turning $500 into a $1500 savings on your mortgage interest provides a 300% rate of return on your $500. Where else can your money earn an easy 300% return? Crystallizing this concept allows the pre‐payment of your principal with little or no change to your lifestyle. The objective is to reduce your traditional 25‐year mortgage to a short 8‐10 year mortgage. Continuing with this example, by paying off your mortgage in 10 years instead of 25 years ‐ the $2000/month no longer needed for the mortgage payment can be directed into investments ($24,000 x 15). When you do the math, this translates into $360,000 more in assets than you would have otherwise. And because you’re building wealth 15 years earlier, those assets can easily compound to $480,000 or more in net worth, assuming a 6% compounded annual rate of return. The end result is a quicker pay down of debt, but – more importantly –valuable extra time is gained to grow assets, the most crucial variable in the success of any financial plan. Our plan is geared toward providing clients with that vital asset ‐ more time. Interested in finding out what your additional net worth number could be? Just give us a call and we’ll discover it together. Then you can decide which path is right for you. We look forward to empowering you to transform yourself into a Financial Champion!

When you re-borrow (advancing your Home Equity Line of Credit (HELOC), you are replacing the distributed ROC with additional borrowed money. Therefore, the additional amount is deductible. The non-deductible distribution is smaller than the deductible re-borrow, therefore, you are borrowing more. The amount of interest you pay is higher and therefore, your interest deducted on your tax return is higher. This results in a higher tax refund.

  • Right now is the most important “window” to your financial future.
  • That mortgage has now become your biggest obstacle to building wealth in any meaningful way
  • The current economic climate isn’t helping the situation
  • To top it off, you are beginning to feel guilty and stressed about not meeting retirement savings obligations
  • Father Time is ticking and you feel like the clock is running against you

In short, the promise of a higher quality of life (financially speaking) is not being fulfilled to your expectation. You want significant improvement in your household finances. You are growing impatient, even frustrated, and would like to see a real solution that makes sense.

PDQ Solutions: Executing the Promise – the quicker formula™

Our Quicker formula™ incorporates 3 relational programs which optimize household cash-flow, minimize time spent paying off liabilities and maximize time for asset accumulation.

  • Remove liabilities
  • Replace with: the mortgage
  • Remove asset accumulation
  • Replace with: building wealth

Our programs are managed by pdq in a regulatory environment.

PDQ Wealth Management is a mutual fund dealer and member of the Mutual Fund Dealers Association of Canada. Key suppliers have been established so your money transfers directly amongst the program partners and does not flow through our company.

It is legal (and common practice) to deduct interest when you borrow to invest to produce income. Recently, this position was reinforced by a Supreme Court of Canada decision upheld a Canadian Taxpayer’s right to structure the mortgage on their principal residence for maximum tax benefits.

The federal Income Tax Acts (ITA) provide that loan interest expenses may be deducted if the loan was used to acquire “property” (including mutual fund investments) for the purpose of gaining or producing income from a “business or property” (including mutual fund investments) and meets a few other conditions. Income generally means net income or profit.

Those definitions are themselves vague because they imply a long-term net income as opposed to losses, among other things. The federal tax act require that the interest be paid, there be a legal obligation to pay the interest,
the amount of interest be reasonable and the property acquired have the capability of producing income that is not just capital gains. Technically, the definition of income excludes capital gains.

However, the property could produce other types of income that is sufficient to qualify for interest deductibility.