The Solution To Financial Success

From: Kevin Wenke CFP®,  Investment Advisor and Founder @ Decision Tree Financial 

I hope you enjoyed the book “How to Buy Long-Term Care Insurance and Build Wealth In Retirement.” I hope the guide helped you see the possibilities of accomplishing more with your money when you use strategies that use the rules of the financial game to your favor!

The Financial Freedom Process™ is where we work together to create a strategy that works ideally for your unique situation. It’s my financial planning process that guides you through the financial decision making process so you exploit the rules of the financial game and position yourself for long-term success. 

“The future you’ve always desired will be manifested by the decisions you make TODAY.” 

Before I explain how The Financial Freedom Process™ can help bring action, direction, confidence, simplicity, and wealth into your life, I’d like to ask you a couple of questions…

Please Review and Answer “Yes” or “No” To Discover If The Process is Right For YOU…

If you said “YES” to ANY of these questions, it means you want more out of your wealth and want to learn new ways of managing it because you realize the “Status Quo” way of thinking has it’s limitations.

Therefore, I invite you to READ ON to learn about The Financial Freedom Process™ because it will have you saying “NO!” to settling for less than you deserve. 

ATTENTION: Everything Below Was Written To Explain

The Why, What, and How Of 

The Financial Freedom Process™

So I ENCOURAGE YOU TO READ THE IT ALL… 

BUT, If you are impatient like me, YOU CAN scroll ALL THE WAY To The Bottom to see the investment, review the FAQ’s and sign-up to take advantage of my special offer to discover how the process can work for you… 

But Really, READ THE WHOLE LETTER…It Explains A LOT!

Money’s role in Creating the life you desire

Everyone desires a financial life that performs to its full potential.  They want…

  1. 1) Long-Term Wealth where their money is working for them allowing them to be financially independent allowing them to live the way they want  and take care of the people they love.  
  2. 2) Security to protect their wealth and their family so they never have to worry about starting over if undesirable and unforeseen events occur.
  3. 3) Confidence in knowing that what they are doing is the best way to create the life they desire.
  4. 4) To Create a Positive Lasting Legacy so people will think about them with a smile on their face, and they can feel good about living a life of significance.

Along the way they want to keep their finances organized, flexible and easy to manage. 

 

The Problem for so many is even after a lifetime of working their butts off, they don’t EVEN COME CLOSE TO achieving the financial life they desire. As a matter of fact many end up failing miserably.

And here’s Why…

Problem 1:  HOW People Make Financial Decisions is a Convoluted Mess.

There are numerous financial decisions people make during their lifetime. When they do make decisions, they tend to make them:

  • > One at a time,
  • > At different times,
  • > With different advisors,
  • > Under different circumstances…

They don’t stop to consider how all these pieces work together…

So all the financial decisions they make (and don’t make) are uncoordinated and inefficient.

For some, this misalignment is reckless causing  them to make bad decisions and spiral our of control!

For others, it causes them to freeze and do nothing out of fear of making a mistake while they hope it will all work out for the best. 

Inaction and bad decisions make it easy for others to take advantage and profit off of you leaving you with less than you deserve…

Problem 2:  The Way The Financial System Works...

Let's Face It...The Financial Industry and IRS Are OUT For Themselves, Not YOU. 

If you are not careful, you may be dealing with institutions that:

It feels like The Financial Industry and Government rig the Rules of the Money Game so that THEY are guaranteed success without regard for yours…

You need your own set of rules so these institutions don't take advantage of you! This way YOU CAN extract the maximum benefits from your money while taking the least amount of RISK needed to get them...

Problem 3:  The "Financial Barbarians"...

In life, there is the potential to  experience a number of situations and unavoidable factors that, if left unaddressed, threaten to consume your money, your time and your focus…

I call them the "Financial Barbarians" and they include:

It’s Overwhelming… And Makes Your Financial Life

 FEEL LIKE THIS...

STRESSED – Confused – UNCERTAIN

They Don’t Come Close to Achieving the Life They Set Out to Create…

Luckily There is a Solution...

The Financial Freedom Process

A Holistic Dynamic Process To Coordinate Your Financial Life, Exploit the Rules of the Financial Games to Your Advantage and Be Happy

STRESSED - Confused - UNCERTAIN​

In the system, we address ALL areas of your financial life:

The Steps to Financial Freedom

Let Me SHOW YOU How This Works…

Step 1: We Determine
What Is Important About Money to You?

Financial Success requires a life-time commitment. Therefore, the VERY FIRST STEP is to determine “WHY” you want to be Successful with MONEY.

 

We want to get your values out in to the open because they are what drive you when making financial decisions. When we have them firmly rooted in your conscious mind, your moral compass will help you to make decisions you will be inspired to follow through on.

Step 2: Then, We Understand Your Current Financial Position and The Future You Want

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The Financial Freedom Process™ is going to inspire you along on a lifetime journey of financial success.

An old Chinese proverb states “A journey of 1,000 miles starts with the first step.” 

 

To make that step count, we need to know where you are starting from and where you ultimately want to go so the action you take is efficient, meaningful and inspiring.

 

This is where we have you collect all your financial documents while we get you dreaming of the way you want your future to be to provide us direction on how to best get there.

It doesn’t matter where you start from as much as you a clear vision of where you want to be and the inspiration to take positive action to get you there. 

Step 3: My Team and I Get to Work Analyzing Your Information and Situation...

We consider how your money comes into and out of your household

Cash Flow

Cash flow refers to the circulation of money in your household accounts (both earning and spending).  

Debt

Debt is often just a cost to your financial life and should usually be limited.  However debt can be used strategically to enhance well-managed strategies. Sources of Debt:

Then We Look At PROTECTION

Full protection is critical for guarding against unforeseen events that can strike at any time and wreck your financial future.

Our objectives on the protection game board are to:

Next we look at SAVINGS

Cash reserves are needed as a safety net providing additional protection, liquidity, ability to work for a specific purpose or to be able to take advantage of opportunities.

The objectives are:

Finally we look at GROWTH

The Growth Section is where we look to build long-term wealth and future income. This is where we can implement LEAPS (discussed in the guide) if they are the right strategy for you.

Investments in this section have a greater possibility of higher return with a greater potential for loss. They work together with our savings to meet the objectives which are:

During our analysis we consider what you said was important to you so we can analyse where you are strong, where you are weak and how you can reorganize to become more:

Step 4: We Discuss Our Analysis and Begin Co-Creating a Strategy With You...

It is all about helping you:

This gives you clarity in your decision-making process creating efficiencies that will save you time and money. 

As a matter of fact, when you go through The Financial Freedom Process, your finances become so efficient that you get more out of what you have.  You can handle the Financial Barbarians and possibly have more money now and more money in the future!

All this to give you the Peace of Mind that your financial objectives can be met under many different future conditions.

We understand that everyone’s circumstances are different, but our objective is to co-create strategies with you to have the greatest opportunity for:

Wealth,

Happiness and

Success Over Your Lifetime.

Step 5: Take Action Putting Your Strategy In Place...

Now that we know WHAT to DOWE DO IT – and Implement the Strategies that are BEST FOR YOU!

Step 6: We Continue to Monitor Your Progress...

The Financial Freedom Process is a dynamic process FLEXIBLE to CHANGE as your situation may over time. We will be there for you to go over how you are doing and make adjustments as needed.

Who Am I and How I Can Help You

My name is Kevin Wenke, and I am a Certified Financial Planner™ and owner of Decision Tree Financial.  Since 2003, I have had the privilege of helping hundreds of people all over the United States make better financial decisions. My Financial Freedom Process empowered them to accomplish more with their money.

I believe people have an abundance of opportunities open to them but don’t know the rules that allow them to capitalize on those opportunities.  My goal is to help make the unknown- known so the people I work with can make informed decisions to transform their financial life in a positive way

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As an experienced Certified Financial Planner™ and Chartered Life Underwriter™ I have specialized knowledge and a fiduciary responsibility to help you get the most out of your financial resources.

Our Model looks at different categories of Protection, Savings and Growth.  Then coordinates your money to create efficiencies leading to greater wealth protection and accumulation.

THIS ALL SOUNDS GREAT BUT…

How Much Does IT Cost?

As much as I would like to, I can’t do all this all for FREE. However, I also don’t want a excessive fee  to be a barrier for us working together. Since you read my guide and you liked what you read, I have prepared a special offer just for you…

Before I explain, I want you to know I am so confident that my team and I can make such a HUGE impact on your financial life that I am willing to put my “money where my mouth is.” 

You Don’t Have To Pay Anything Right Now To Start!

Instead, You Can Get Strarted Right Now With A Free First Session!

The Financial Freedom Process is best understood through participation…

 

My goal for you by participating is to put more money in your pocket today, build wealth for tomorrow AND Protect Everything You Have Worked So Hard To Create.

So, in this first session, you can ask me anything you want to know about the process and tell me as much as you would like about yourself to make sure we are a right fit to work together. If it makes sense and feels right, then we will continue the process and really get to work putting you in the best position with your money.

YOU ARE PROBABLY STILL WONDERING

This Can’t Be Free!

HOW MUCH DOES THIS COST?

My typical structure is determined as a percent of income (0.5%) and assets (0.25%) with a minimum fee of $4,975.00 where I require a minimum Deposit of 50%….  

Before you go and say “OH MY GOODNESS THAT IS A LOT OF MONEY!” Remember I have a Special Offer For You Because You Read My Guide…

But I also Need You to Know This is a VERY Limited Time Offer That I Will Have To End When I Get To Busy…

For Reading My guide and Spending The time to Read This Entire OuTline, You can Start The Financial Freedom Process with a Deposit of

 $197.00 

and Pay The Remaining Balance of Only $800 when you are 100% Satisfied With your Results.

That is a Total Investment of Only $997 Regardless of Your Income And Assets!

If you STill Aren’t Sure, I Also want you to know I will never Collect a fee…

ZERO – ZILCH – NADA

if you are not 100% satisfied

AND

NOT In a Better Financial position than before we met!

If you go through the entire process and tell me “Kevin, I don’t like what we did together, then I will return your deposit to you and you will pay ZERO!

What this means is that if we decide to work together and The Financial Freedom Process doesn’t live up to your expectations… 

…if it doesn’t give you the vision, clarity, focus, and peace of mind expected, then you won’t pay a penny more than you think it is worth!

No Questions Asked!

With this guarantee, you have EVERYTHING to Gain and  Nothing to Lose 

The last thing I want to have happen is you regret not finding out what The Financial Freedom Process is all about. I realize you may have worked with other advisors and that you may think think there isn’t much I will explain that will be different, but that would be another mistake.

There is nothing I love hearing more from my clients than comments life “So that is how that works” and “I never knew you could do that.” When I hear phrases like that, I know they have discovered something new and that new information is able to create a transformational shift in the way they approach money. 

I want to help everyone but unfortunately my time is limited. Therefore, take advantage of this offer and get on my calendar while you can to discover how the process can transform your life! I promise you will not regret it…

Special Bonuses for completing the Process!

Bonus #1

A Fully Written Comprehensive Financial Plan

Total Value : $5,000+

Understand first and foremost, I AM a Certified Financial Planner™ so of course, I am going to give you the service I am trained to provide…A WRITTEN  FINANCIAL PLAN.

 

Once you FINALIZE  the best course of action (with my support of course), the FINANCIAL PLAN is the written document you receive that provides you with the instructions on what you are to do and when you are to do them.

 

These plans are as few as 50 pages but can be more than 200 pages for more complex situations and they include information about:

Get this  For Completing 

The Financial Freedom Process*

Do you want to see a sample financial plan? Click here and I will email one right over to you!

Bonus #2

1-year of 

Advisory Fees Waived from 

Decision Tree Investment Advisors

Total Value : $10,000+

You want your money to grow and work for you … and, if you do choose to invest in a diversified portfolio, you may want to have a professional advisor managing your portfolio

 

The problem is the 1%+ fees advisors charge can reduce portfolio returns by 10%-20%… EVERY YEAR!

  • Making it worse, When your portfolio grows, so does the fee
  • And even worse, those fees are charged EVEN If YOUR ACCOUNT LOSES MONEY

When Investing for growth:

THE LOWER YOUR FEE – THE BETTER OFF YOU ARE!

My investment models will diversify your money into 25-35 low-cost index funds that will give you participation in:

In this portfolio, I employ an investment strategy that systematically “Buy Low and Sell High” through “REBALANCING” so that profits are locked in and bargains are bought automatically.

Get this for 1-Year For Completing The Financial Freedom Process*

*After one year, the cost is 1% of the portfolios value…

I can offer my guarantee because I am confident you will have such a life-changing experience by participating in The Financial Freedom Process System that you will look back and say to yourself:

“I wish I had gone through this system a long time ago!”

By the way, there is one more thing: The investment you make to participate in The Financial Freedom Process also covers Your First Year of Setting up "The SALLO Strategy (a $400 Value!)

This is Truly a Limited TIME Offer, So Claim Your Spot Now Before Someone Else Does…

Thanks for taking the time to read this entire letter and I can’t wait to see the transformation you will experience after you complete the design and implementation steps of The Financial Freedom Process.
 
Thanks,
Kevin Wenke
 
P.S.In case you are one of those people (like me) who just skips to the end of a letter, here is the deal:
 
I am inviting you to participate in my financial planning process I call “The Financial Freedom Process” that will help you visualize the best ways to position your money for both performance and protection. 
 

Because you read my guide, I am making a LIMITED TIME OFFER where I reduce the investment to start down from $2,499 to only $197. When you have completed the process, the remaining balance of $800 will be due if and only if you are 100% satisfied with the outcome. As a matter of fact, if you don’t like the outcome, I will even return your deposit because I can’t take anyone’s money if I haven’t made their life better!

There isn’t a catch…there aren’t ant gimmicks…and there won’t be a monthly charge and you won’t pay any fee if you don’t see yourself in a better financial position after you complete the system than where you were before we started.
 
My mission is to help people not worry about money so they can concentrate on living the life they want for themselves.
 
 If I am unable to help you achieve that goal, I will return 100% of the deposit too if you tell me you didn’t get anything out of what you learned during our time together…
 
So you have everything to gain and nothing to lose
 
 

I Want a Free 30-Minute "Zoom Meeting" With Kevin To
Learn How He Can Help Me Accomplish More!

Start Your Process Today!

Get On Kevin's Calendar Here...


Don’t See A Time That Works For You? You Can Contact me by texting 754-600-5995 and saying “Hi, my name is (your name) and I want to set up a time to have my free 1st session of The Financial Freedom Process.”

This will get you on our waiting list and we will text back when a spot opens up…

Do you still have more questions?

Here are some

Frequently Asked Questions

That Will Be Able to Help

Unlike a lot of financial advisors who require their clients to reach a certain assets or income level before they can work together, I DO NOT. Instead, I work with people who have a certain “psychographic.” That means they want more out of their current financial situation and want to achieve financial security balancing both protection and long-term wealth-building strategies.
 
Typically, the people who enjoy working with me have already achieved a level of financial or professional success and want to be sure that their wealth is always there for them so it can continue working as efficiently as possible towards financial independence. If they have reached financial independence, they want to maintain and not worry about a personal or global financial crisis jeopardizing their lifestyle.
 
I am not the type of financial advisor who is going to help someone find the next hot investment idea that could either make or break them. My approach is methodical looking to take advantage of the rules that govern the financial system to my client’s advantage.
 
My job is to help you become wealthy if you aren’t already. If you are already wealthy, my job is to make keep you there and make sure you don’t lose it all and have to start all over again. 

The investment to participate in The Financial Freedom Process is based on 1) The total of Annual Income (i.e. – from a job, business, pensions, Social Security, and/or trusts) and 2) Your total Assets Value (such as the value of your businesses (if applicable), real estate holdings, retirement account balances, brokerage accounts, collectibles, etc.)

If you generate passive income from your investments and/or retirement account balances, the lesser of that income or the value of the asset is considered.

The amount is determined by taking 0.25% of your assets and 0.5% of your income. So, someone with $100,000 of income and $1,000,000 in assets should expect to invest $3,000.

($100,000 income x 0.5% = $500) + ($1,000,000 assets x 0.25% = $2,500) = $3,000.

The minimum fee to participate is $4,995. The Maximum Fee is $50,000 for the most complicated situations. 

To start the process only the initial deposit of $500.00 is required after the first meeting and the final cost of the system will be determined and agreed upon after all assets and incomes are disclosed.

However, the special offer in the above webpage will supersede this investment. 

There are (2) Answers to this:

Generally speaking, the initial design it will take between 3 and 5 meetings to complete the system. Typical meetings are 90 minutes although some can be longer or shorter depending on the conversation we are having. Most of the work developing the plan is done behind the scenes when you are not there. My team spends an average of 22 hours organizing and developing our recommendations based on the input you provide.

The cool thing is that we perform most of our meetings ONLINE so that you do not have to travel to my office. You, and if you are married, your spouse and anyone else who should be part of the conversation can log into our online meeting room allowing you to participate from just about anywhere which saves you hours of travel time and expense.

This is a process and is therefore ongoing. We should meet at least yearly though many clients like to meet more frequently to make sure they are on course. For these meetings, I charge an hourly fee that can be between $400 and $200 an hour.

The Financial Freedom Process requires you (and your other advisors) and our team to work together and co-create a financial strategy that will help your financial life become more efficient and coordinated. In doing so, you will feel confident and will be successful building and maintaining your wealth while living free and doing more of what you want to do – when you want to do it!

If during the first 4 months of our working together you feel the process isn’t helping you towards that result and want to stop the process, any money you have paid to that point will be refunded and any remaining balance will not be invoiced!

Please understand, I became a financial planner in 2003 after I experienced what it is like to lose everything. I know how my knowledge, perspective and experience can help a lot of people but I also realize there are situations where I can’t help, so I’d rather return the money and help them find an advisor who can help them.

I do this so you understand there is no risk to get started.

Yes, Not showing up to the appointed time and not calling more than 2 times and I reserve the right to retain the fee. 

The Financial Freedom Process is an experience that will help you organize your financial life so that you can make the best financial decisions. 

You will receive a visual representation of your current financial position first. Then, together, we will explore different strategies through our model to find the best money moves you can make will put you in the optimal position to grow and protect your wealth.

I understand. It’s likely you are meeting me on the internet to start and you want to know who you are talking with and is he who he claims to be.

I encourage you to do a background check on me.

The easiest way is to confirm my designations; I am a Certified Financial Planner and a Chartered Life Underwriter.

To confirm my CFP status visit: https://www.cfp.net/verify-a-cfp-professional and type in my last name.

The CFP board does annual background checks on Certified Financial Planners and requires CFPs to complete 30-hours of continuing education to maintain certification.

Learn more about what a CFP means at: www.LetsMakeAPlan.org

To verify my Chartered Life Underwriter status visit: https://www.youradvisorguide.com/designation-check

Everyone has different circumstances but The Financial Freedom Process is a comprehensive planning platform. In the system we will address the following:

  • Income
  • Debt
  • Taxes
  • Investments
  • Liquidity,
  • Risk Management and Protection,
  • Estate Planning
  • Business Continuation,
  • Your short – medium -and long-term goals.

I am a CERTIFIED FINANCIAL PLANNER who is licensed as an investment advisor but I DO NOT SELL INVESTMENT PRODUCTS. 

I am also an insurance broker who represents over 500 different insurance companies offering life, health, property and casualty insurance products. When one of these financial product are the right solution, my team can assist you in finding the best solution. Compensation is disclosed and I typically reduce the remaining fee by any commissions received.

NO!  If you have an accountant or attorney you consult with when making important financial decisions, we actually want them to be part of the process. The goal is to have EVERYONE you already like and trust be on the same page, not to replace your relationships!

If you do not have an attorney or accountant and you end up needing the type of services they provide, we can refer you to one of our valued partners who understands The Financial Freedom Process and the importance of a coordinated effort.

Most of my clients have a financial planner or investment advisor they already work with. 

They decide to work with me because, through The Financial Freedom Process and strategies like SALLO, they see that I offer something much different than the typical financial advisor who’s main goal is to accumulate assets under management so they can charge fees.

I also use a unique and specialized process that really concentrates on your core values when it comes to money. This does a number of super cool things.

For one, It helps you increase their wealth building and income potential. 

This allows your money to work harder for you so they can achieve their goals more efficiently. The cool thing is that you can do this many times without ANY REDUCTION IN YOUR CURRENT LIFESTYLE. As a matter of fact, your current lifestyle may even increase! You would be amazed on how much the financial industry will take from you if you let them…

This leads me to the second cool thing and that is the “Protection” portion of the system. Even though you are increasing your money’s ability to work more efficiently, the processes we use significantly reduces your risk. The goal is to make sure you aren’t ever worried about something happening, like a long-term care need or stock market crash, that could wipe your family out financially.

I am so confident I can make a huge difference in your financial life that if you go through the system and are not satisfied with the results it creates for your life, I refund 100% of the investment you made to participate in the system.

It is up to you to decide if that is an offer you would like to accept…

The Financial Freedom Process has a goal to make your financial life as efficient as possible. In order to do that, it is extremely important to have as much information about your current financial position as possible. 

You can download our “new client data sheet” here to see the types of information that can help us do the best job for you so you get the most out of the system.