The Financial Freedom Process™

Decision Tree Financial's Comprehensive Financial Planning Process

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

Something has you looking for direction on what to do to be successful with your wealth for achieving FINANCIAL FREEDOM. That’s AWESOME because RIGHT NOW is the Best Time to ensure you’re making THE BEST DECISIONS With Your Money! You will hear me say all the time:

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

Whether you are a young professional, small business owner, someone who has retirement on their mind, or even someone who is getting ready to receive a substantial inheritance,  you want to make decisions with your money that align with your core values while avoiding the money mistakes SO MANY in the generations before you have made which caused them to fall short of the life they wanted.

This is where The Financial Freedom Process™ comes in. It’s my financial planning process that helps you visualize where you are financially today so you can see how to CONFIDENTLY position your money for MAXIMUM IMPACT towards creating the life you want. When you have a financial strategy aligned with your values, the right decisions become clear while money and wealth become more abundant. 

With that, 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…

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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, then, I invite you to READ ON and Learn about How The Financial Freedom Process™ will give you the vision, confidence, clarity, and results you are looking for so you can move forward with purpose!

ATTENTION: Everything Below Was Written To Explain

The Why, What, and How Of 

The Financial Freedom Process™

so I ENCOURAGE YOU TO READ THE All of It 

BUT, If you are impatient like me, YOU CAN scroll ALL THE WAY To The Bottom to see what it costs, review the FAQ’s or Sign Up and Get Started RISK FREE and discover how the process will work for you… 

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

The Problems WHY People Don't Achieve or, Worse Yet Loose Their Financial Freedom

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

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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 people to make bad decisions that end up causing them to work much harder, so they never realize the financial life they want!

Problem 2: THE FINANCIAL SYSTEM...

Let’s Face It…The Financial Industry and IRS Are OUT For #1. 

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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...

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STRESSED – Confused – UNCERTAIN

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

Luckily There Is a Solution...

INTRODUCING…

The Financial Freedom Process

A Holistic Dynamic Process To Coordinate Your Financial Life, Be Happy and Have The Wealth You Desire

STRESSED - Confused - UNCERTAIN​

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

We look at EVERYTHING because all parts of your Financial Life are connected. A DECISION in one are will IMPACT another area. Also, when we consider all the parts of your financial life, we can find ways to coordinate different areas to work together and achieve more! The Way I look at The FINACIAL FREEDOM PROCESS is that we are going to work to construct your “FINACIAL CASTLE.”

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The Steps to Financial Freedom

Let Me SHOW YOU How This Works…

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

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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 Positions and The Future You Want To Live

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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 how you want your future to be to provide us direction on how to get there best.

It doesn’t matter where you start from as much as you have 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 SITUATION

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

Cash Flow

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

Debt

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Existing Debt is often a cost to your financial life when there isn’t the liquidity available to pay it off.  Debt can be used strategically to enhance well-managed strategies. Sources of Debt:

Then We Look At PROTECTION

Protection and Risk Management are critical for guarding against unforeseen events that can strike at any time and wreck your financial future.

Our objectives in The Financial Freedom Process are to:

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Next we look at SAVINGS

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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 The Financial Freedom Process are:

Finally we look at GROWTH

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

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

The objectives of The Financial Freedom Process are:

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During our analysis we are taking what you said was important so we can see where you are strong, where you are weak and how you can reorganize

to become:

Step 4: We Discuss Our Analysis and 

Begin CO-CREATING with you a 

CUSTOMIZED COURSE OF ACTION

It is all about developing recommendations with you based on sound principles that will help 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: Put Your Strategy Into ACTION

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 Wealth Manifestation 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 they can make informed decisions that can 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.

Here are what others are saying after participating in

The Financial Freedom Process™…

“Such a Time and Money Saver”

“We had worked with a financial planner for years and had an actual financial plan done (5) years earlier but we never did anything it recommended except have our portfolio managed…

We were always arguing about how to balance our business and personal finance…

We read “The Sallo Strategy” and experienced The Financial Freedom Process and have saved so much time trying to figure out the right place to invest and spend our money.”

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

“So Simple to Understand”

“I don’t really understand money, I just know how to make it. This system made it so easy to understand what we needed to do and couldn’t believe how much more we could do with what we have…”

“My husband, who is an educator, really connected to the way Kevin teaches too”

– Jim (49) College Professor and Mishel (50) Physicians Assistant

“I have more time to Golf”

“I use to watch hours of CNBC and read “The Wall Street Journal” to figure out where I should invest my money. After going through the system, my income is higher, taxes are lower and I know exactly how much money I am going to leave my children.

All this extra time lets me go and golf more which is kind of expensive though…”

Gary (67) and Violet (60) – Retired

The Financial Freedom Process has worked for others...It can work for you too!

YOU ARE PROBABLY WONDERING

HOW MUCH DOES THIS COST?

As Much as I would like, I can not offer The Financial Freedom Process for Free. 

I Know, I Know…

However, I DO NOT CHARGE 1 RED ¢, if someone goes through the process and isn’t 100% Satisfied.

I NEVER want anyone to feel I am taking their money for a process they didn’t feel made their life better.

Still, I decided to make THE FIRST Session of THE FINANCIAL FREEDOM PROCESS

100% FREE

If after that first session you decide to move forward, I require a deposit of just $497.00 to continue.

THE Final Investment for the process will be determined after we meet, and I understand your complete situation. My typical structure is determined as a percent of income (1/2%) and assets (1/2%) with a Minimum Investment of $2,497 and a Maximum of $50,000.  

THE BIG THING I want you to know Though IS that

 I wON’T take ONE RED CENT…

ZERO – ZILCH – NADA

if you are not 100% satisfied

AND

In a Better Financial position than before we met!

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No Questions Asked!

With this guarantee, you have EVERYTHING to Gain and  Nothing to Lose in EXPERIENCING The Financial Freedom Process

I can offer this 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!”

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 a process I call “The Financial Freedom Process” 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 with me so you can ask questions and get to know me to see how the system will work for you. If we agree to work together, I charge a fee based on 1/2% of your income and 1/2% of your assets, a minimum of $2,497 and a maximum of $50,000. The fee is fully refundable as I guarantee that you will love the outcome or I will refund your money no questions asked!

 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

PS – I want to sneak this in here too. For going through the process, I also decided reduce the investment fee I require to invest in my “INVEST” with Decision Tree Financial and The “COINS” Strategy. The fee I charge for these strategies will be reduced by 50% for the first year if you decided to take advantage of them. Finally, for our basic asset “allocation portfolio” portfolio, we will manage that for “FREE” during first year of you having us manage it after completing the Financial Freedom Process.

 
 

I Want a Free 30-Minute Zoom Meeting With Kevin To
Start The Financial Freedom Process!

Start Your Process Today!

Get On Kevin's Calendar Here...


Don’t See A Time That Works For You? You Can Contact me other ways

By CLICKING 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.
 
Decision Tree Financial isn’t going to help someone find the next hot investment idea that could either make or break them. Our approach is methodical where we look to take advantage of the rules that govern the financial system to our client’s advantage.
 
Our job is to help you become wealthy if you aren’t already. If you are already wealthy, our 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 1/2% of your assets and 1/2% of your income. So, someone with $100,000 of income and $1,000,000 in assets should expect to invest $5,500.

($100,000 income x 0.5% = $500) + ($1,000,000 assets x 0.5% = $5,000) = $5,500.

The minimum fee to participate is $2,497. The Maximum Fee is $50,000 for the most complicated situations. 

To start the process only the initial deposit of $497.00 is required and the final cost of the system will be determined and agreed upon after all assets and incomes are disclosed.

The full balance of the fee is due at least 12-months from completion of the process. Some clients pay it in full after the final plan is agreed upon and some decide to pay the fee in installments. 

It is important to know we do also reserve the right to waive or reduce the final fee if there is a financial product used which has a commission we will receive that can’t be avoided. For example, a mortgage through or an insurance product, such as long-term care insurance.

All commissions Decision Tree Financial and our advisors receive on the sale of any financial product are fully disclosed.

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 a mortgage loan originator (NMLS#1910000) and 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.

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 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, I use a unique and specialized process that really concentrates on your core values when it comes to money then focuses on visualizing cash flow to see the best money moves to make to accomplish your objective. 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 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.