The Secret to Successful 

Long-Term Care Planning

How You Can Get Amazing Coverage AND Accomplish The Financial Life You Desire

The Secret to Long-Term Care Planning Isn’t Found By Doing More Research, Getting Insurance Quotes or Even Having Financial Plan…

…The Secret is found in A Process You Experience that exploits the rules of the game to favor you so that you can achieve your MAXIMUM FINANCIAL POTENTIAL…

From: Kevin Wenke CFP®

Where: Decision Tree Financial

What has you spending your time trying to figure out a long-term care plan for yourself…?

Let’s face it. There are a lot of more enjoyable things to think about than planning for a day when you could possibly lose independence and need care…

But the fact that you are here tells me that there is something in your life happening where you see how important having the right plan in place will be…

Before I share the goal of The Wealth Performance and Protection System with you…I’d like to ask you a couple of questions…

Please Review and Answer “Yes” or “No …”

If you said “YES” to ANY of these questions, Then, I invite you to participate in my Wealth Performance and Protection System™!

It will change your beliefs about what is possible with your money and your life!

Long term care’s role in the life you desire

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

  1. Long-term wealth so they are financially independent and their money is working for them.  To live the way you want to and take the people the love.  
  2. Security to protect your wealth and your family never has to worry about starting over if undesirable and unforeseen events occur.
  3. 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 the want to keep it all organized, flexible and easy to control. 

Long-term care insurance can help you gain security and preserve a lasting legacy if you ever need care, but unfortunately, MANY people never invest in this coverage…

Even worse, after a lifetime of working, MOST people don’t achieve the financial life they desire…

…And here’s Why…

Problem 1:  HOW People TRY to make Financial Decisions is a Convoluted Mess.

You see, Long-Term Care insurance is only one of the financial topics people make decisions on…

There are countless others

And when they try to make all these decisions, they make them… 

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

and the result of making decisions this way gives them the equivalent of a “junk drawer” of their financial life.  

They kind of know what they have and kind of know what they need…

But they don’t quite know how they all the pieces work together…

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

causing them to work much harder to reach the financial life they want!


The Investment, Banking and Insurance Industries rig the Rules of the Game so that THEY are guaranteed success regardless of yours…

Let’s Face It…The Financial Industry is OUT For #1. They Have BIG BUILDINGS to Buy AND “Fat Cat Bonuses” To Pay out…

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

You need your own set of rules so they don't take advantage of you and you can extract  maximum benefit for your money while taking the least amount of RISK...

Problem 3: The "Financial Barbarians"...

Life is full of other factors that are lurking to threaten and 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



With all of this going against you it can seem impossible to get ahead! Even keeping up feels overwhelming!

But you try, doing the best you can based on what you know…

How People Try To Figure Out a Long-Term Care Plan For Themselves

When it comes to trying to put a long-term care plan in place…




People call “the best” insurance agents who promise they will get them “the best quotes, from the best companies so they can review them without pressure…”




…They get these quotes and see that the premiums are astronomically high…




…They start thinking about how spending ALL that money will take away from the way they will build wealth and enjoy retirement…




They try to reduce the benefits to reduce the premium or “Do Nothing” and Forget About Doing Anything…




They “oil” THOSE SQUEEKY WHEELS that consume their immediate attention…


So then what…


Time Passes…

A Year goes by…

Then 10-Years pass…

20 YEARS go by…

and they look at themselves in the mirror saying…


Luckily for you there is a solution...

Let me introduce you to…

The Wealth Performance and Protection System!

The CASH-FLOW based process that helps you visualize your spending, protection and investing activities so that making money decisions, like covering potential future long-term care needs, becomes easy!


How The Wealth Performance and Protection System Will Change Your Life!

Do You Remember The Game Monopoly?

As a kid we use to play Monopoly all the time…

It had a gameboard, a set of rules..

You would roll the dice and move forward with each roll.

As you would “pass go” you could collect $200…

If you landed on the “Community Chest” or “Chance” you drew a card..

If you landed on a property that nobody owned you could “invest” in it BUT..

If you landed on a property that someone else owned, you had to pay rent…

The goal of the game was to “win” all the money from the other players….

The Wealth Performance and Protection System Helps You Navigate Financial Decisions By Making a Game of It...
...A Game with THREE KEY Elements

A Gameboard

“The System”

  • Know how financial products work,
  • Learn how to coordinate financial products together so that you can get MULTIPLE BENEFITS for the $ you spend!
  • Measure your money’s performance
  • Compare financial decisions to find the most optimal
  • Eliminate financial errors and omissions so that you are always moving forward…

A Rulebook

“Rules of play”

Our Model helps you to:

  • Learn effective money strategies,
  • Better protect your wealth,
  • Build wealth more efficiently,
  • Increase retirement income,
  • Maximize your legacy

An Expert Guide

“The Macro-Manager”

What is a Macro-Manager?

Most financial consultants or agent/brokers are micro-managers – they think about one thing… 

  • Bankers want to sell loans,
  • Insurance agents want to sell policies,
  • Stock brokers want to sell investments… 

…and rarely, if ever, think about how their product or service works with the rest of your finances. You’ll never achieve maximum efficiency this way!

As a “Macro-Manager” my goal is to help you understand how all the pieces of your financial life fit together in order to help you create a “well-oiled machine.” When everything is working together, you can achieve more!


Unlike Monopoly, we are not just dealing with real estate… We address all areas of your financial life, which includes:

First 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).  Cash flow strategies should adhere to 10 rules outlined in the WPPS rulebook.

Sources of Income Include:


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:


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 of this  game board are:

Finally we look at GROWTH

The Growth Section is where we look to build long-term wealth and future income.

Investments in this section have a greater possibility of higher return balanced with probable decreased liquidity and decreased risk.  

The objectives of this game board:

This process will let you do more with your money so that you can…

The System works because it is a structured approach that combines basic financial principles, laws and strategies to scientifically position the various elements of your finances so they become…

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 Wealth Performance and Protection System 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 to give you the greatest opportunity for:


Happiness and

Success over your lifetime.

Who I Am, 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 Wealth Performance and Protection System 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 they can make informed decisions that can transform their financial life in a positive way

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.

The Wealth Performance and Protection System in Action:

How The Wealth Performance and Protection System Worked For Others #1

Russell (53) and Vanessa (48), Owners of a successful and growing manufacturing business. 

They have 3 children (28)(24)(22) who are planning to take over the business in “15-20 years.”

They wanted to ensure that they were doing the best things to protect their business and grow their wealth for retirement (including potential Long-term care funding) while also setting up the children to be successful running the business.


After completing the Wealth Performance and Protection System they:

  • increased their yearly cash flow by $22,000,
  • repositioned their company’s profit-sharing plan to provide a self-completion element and protected its value from potential market losses without affecting long-term market-based performance, AND
  • established over $1.2 million dollar long-term care coverage effective immediately.

How The Wealth Performance and Protection System Worked For Others #2

Jim (49) College Professor and Mischel (50) Physician Assistant.

Jim and Mischel have a daughter (14) and are taking care of an aging mother whose unstable knees prevent her from being active. She is also showing signs of dementia. She had assets of about $100,000.

They wanted to find the best way to take care mom while balancing their home/work obligations and preserving her assets.  Unfortunately, they were late in searching for answers for mom, but decided to concentrate on their own situation. 

Before participating in the Wealth Performance and Protection System they had gotten many long-term care insurance quotes and understood that their options were limited.  They wanted their daughter to have better options in the future in the event of them needing care.

The Results

The Wealth Performance and Protection System found strategic money moves.

  • They repositioned a portion of their retirement assets to provide $800,000 in long-term care coverage without decreasing their future net-worth and retirement lifestyle. 
  • They also increased Mischel’s income protection plan so that if she were to become disabled for any reason, her salary would continue. 

This only required an additional $800 a year ($65 a month) coming out of their current lifestyle budget instead of the thousands a year they thought it would take.

Another Example of

the Wealth Performance and Protection System In Action:

Chris (44) and Tia (37)

Chris and Tia have no children themselves.  But Chris is the youngest of his parents children and they have been taking care of the parents more and more lately.

They won’t be able to depend on their children.  So, they wanted to know how they could be sure they would have the money to get the help they might need if their health declined in the future and needed long-term care.


After participating in the Wealth Performance and Protection System, we restructured their mortgage to increase their cash flow.  They were able to increase their savings from 5% of income to 20%.

Additionally, the System results included:

  • decreased taxes,
  • increased retirement income, AND
  • A pot of over $1.7 million that could be used immediately if either spouse needed long-term care in the future.

The Wealth Performance and Protection System has worked for others...It can work for you!

How Much Does This Cost?

Right now, Other Financial Planners charge an upfront fee of up to $2,000, $5,000, even $10,000 or more depending on complexities…

…or they require you to have a minimum amount of investible assets and then charge and outrageous fee to “invest” your money!

But I don’t want a fee to be a barrier to helping you when you want it!

Here Is Where I Believe I Am Different!!!

You see, there are three things I want to share with you.

First, I know how important putting a long-term care plan in place is to a family. I have watched my family and my friend’s families struggle because their parents didn’t have any plan in place.

The families fought, they were stressed out and not sure what they should do to address their parents long-term care needs… and the parent didn’t always receive the best care possible…

This can make parents feel isolated and some family members feeling guilty that there was nothing more they could do….

Other times one or two of the children became care-givers, but still had to maintain their careers to pay their own bills

The circumstances were not ideal and the fact is they would have been much better off had a plan been in place years before the care was needed.

Secondly, I will work side-by-side with you so that you can visualize your future and actually see how different money moves can change your finances, and your life

We can see the effect of the different moves to scientifically pick the ones that yield the best results for you!

This advanced process is completely customized to serve your individual goals and circumstances.


Finally, I am extremely confident that my team and I can make a huge impact on your financial life and I am willing to put my “money where my mouth is.” I’ll get to work for you with only a small “deposit” with payment for our services ONLY if we can deliver the results we promised.

So, I am not going to ask you to pay thousands of dollars upfront for us to start working with you….

I don’t want a big upfront payment to stop you from getting started with us….

So, I decided to do is put this special offer together…

First, I only ask for a $499.00 Refundable Deposit

*The actual fee will be determined after we meet and I understand your complete situation. Our typical structure is determined as a percent of income (0.5%) and assets (0.25%) with a minimum fee of $1,500.  

I want you to know that I will never take a fee…


if you are not 100% satisfied


In a Better Financial position than before we met!

Secondly, You Don’t Have To Pay Anything Right Now!

Instead, I want to Have a FREE 30-Minute Conversation With You To Make Sure We Are A Good Fit To Work Together.

My goal for the people I work with is to get them the protection they want without taking ONE DOLLAR AWAY from their current or future lifestyle. 

As a matter of fact, many people end up having the protection AND MORE MONEY…!!!

Even After Paying My Fee!

So, if for some reason my fee ends up being a burden and takes away from the way you live then…

I don’t want you to pay anything…!

…because I want you to be better off after you work with me NOT give you a gigantic bill and force you make a payment that takes away from your life.

If we meet and decide to work together and The Wealth Performance and Protection System doesn’t live up to your expectations… 

…if it doesn’t give you the vision, clarity, focus and peace of mind expected then you can get a full refund…

No Questions Asked!

With this guarantee you have EVERYTHING to Gain and absolutely NOTHING to Lose to get started!

Special Bonuses for completing the system!

BONUS #1 Basic Estate Planning Documents

Make YOUR wishes known or Lawyers and The Government will make your final decisions…

…potentially Snubbing your heirs while draining your assets and diminishing your legacy!

Total Value : $800

FACT #1 –  Thinking about estate planning is tough (that is why SO FEW PEOPLE create one…)

FACT #2 – Becoming incapacitated or passing away without having even basic estate planning documents prepared will be a burden on the ones you love and leave important decisions up to the Government…

Since you are making the effort to find a long-term care solution, it is the perfect time to have your basic estate planning documents prepared too.

I will help you understand your choices then have a Martindale-Hubbell AV-rated attorney (the highest attorney rating) licensed in your state create for you and your spouse:

Get This Included When You Complete The Wealth Performance and Protection System!

BONUS #2 Complete Credit Analysis

Professional review and written report of Your Equifax, Transunion and Experian credit reports

Total Value : $1000

Credit report mistakes and blemishes can cause you to suffer from having to pay higher fees and higher interest rate your entire life…(stealing your money!)  

By thoroughly reviewing your various credit reports we can spot any blemishes and, when possible, provide you with an action plan to solve them. Doing this can save you a TON of money down the road on things like:

Get This Included When You Complete The Wealth Performance and Protection System!

BONUS #3 One-Year of Investment Portfolio Management

1-year of Professional Portfolio Management from Decision Tree Investment Advisors, LLC

Total Value : $10,000+

You want your money to grow and work for you … and you want to have an advisor watching your portfolio


The problems in the market now are:  

  • The fees that advisors charge can reduce portfolio earnings by 10%-20% every year,
  • When your portfolio grows, so does the fee
  • And even worse, those fees are charged EVEN If YOUR ACCOUNT LOSES MONEY


When Investing in the “Markets…”


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

I employ strategies that systematically “Buy Low and Sell High” so that profits are locked in and bargains are bought automatically.

Get this for 1-Year For Completing The Wealth Performance and Protection System*

*After one year, the cost is only $300 per quarter and 0.1% of the portfolios value…When compared to the average investor advisor fee of a FULL 1% of a portfolio’s value, our core portfolios will save you Tens of Thousands of dollars over the years, without sacrificing market returns.  YOU will have more money in YOUR Pocket!

I can offer this guarantee because I am that confident!  You will have a life-changing experience that makes you look back and say to yourself, “I wish I had gone through this system a long time ago!”

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

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 Wealth Performance and Protection System.
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 a process I call “The Wealth Performance and Protection System” that will help you visualize the best ways to position your money for both performance and protection. 


I offer a FREE 30-Minute introductory Consultation to access if the System will work with you. If we agree, I only ask for a $499.00 fully refundable deposit to get started. I guarantee that you will love the outcome or I will refund your deposit no questions asked!

In addition, You will also get free basic estate planning documents created by an AV-rated attorney in your state, a free credit report analysis, and 1-year of portfolio management in one of my core portfolios.
There isn’t a catch…there are no gimmicks…there won’t be a monthly charge and you won’t pay the balance of the system’s fees (based on a percentage of your assets and income that we will determine and agree upon during our first meeting) if you don’t see yourself in a better financial position than what you were before we met.
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!

Here’s A Recap Of

Everything You Get With In

The Wealth Performance and Protection System

Start Your Process Today!

You Have EVERYTHING to Gain and NOTHING to Lose!

Get On Kevin's Calendar Here...

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 make you rich if you aren’t already and if you are already rich, my job is to make sure you don’t lose it all and have to start all over again. 

The investment to participate in the Wealth Performance and Protection System 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 $1,500. The Maximum Fee is $50,000 for the most complicated situations. 

To start the process only the initial deposit of $499.00 is required and the final cost of the system will be determined and agreed upon after the initial consultation.

Generally speaking, 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.

The Wealth Performance and Protection System is a process where you (and your other advisors) and our team work together to 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 system isn’t helping you towards that result and want to stop the process, your $249.00 is fully refundable 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 Wealth Performance and Protection System 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: 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:

To verify my Chartered Life Underwriter status visit:

Everyone has different circumstances but the Wealth Performance and Protection System 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 a mortgage loan originator (employed by Freedom Mortgage Corporation) and an insurance broker that represents over 500 different insurance companies that sell life, health, property and casualty insurance products. When one of these financial product are the right solution, my team will assist you in finding the best solution. Compensation is disclosed and I typically reduce the remaining fee by any commissions received.

Additionally, I own Decision Tree Tax Advisors. We provide tax preparation services to a number of our clients.

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 Wealth Performance and Protection System and the importance of a coordinated effort.

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

They decide to work with me because, through The Wealth Performance and Protection System I use a unique and specialized process that concentrates on cash flow and risk management. This does a number of super cool things.

For one, It helps people increase their wealth building and income potential ON TOP of what they are already doing. This allows money to work harder for them so they can achieve their goals more efficiently. The cool thing is that I am usually able to do this without ANY REDUCTION IN YOUR CURRENT LIFESTYLE. As a matter of fact, your current lifestyle may even increase! 

This is the “Performance” part of the system.

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, I can do it so that you are taking significantly less risk than you are currently taking.

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.

The Wealth Performance and Protection System 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.

I understand. Everything sounds good but you really aren’t comfortable until you can talk to us one on one.

No problem. That is why I offer the free conversation before we start.

I have a calendar you can access here. Pick a time and we can have a 15-30 minute discussion where you can ask me any question you may have over a zoom meeting.

In addition, you can call me at 844-433-2474.