We build you the Financial Wellness Plan you don't have yet — insurance protection, money management, debt elimination, and wealth building. All working together for the first time. And it all starts with a free Financial Timeline Analysis.
Run My Numbers →Not because they aren't working hard enough. Not because they don't care. But because nobody has ever sat down with them and looked at the whole picture — what they owe, what's protected, and where they're actually headed.
We have medical plans, dental plans, vision plans. We track our calories, our steps, our sleep. We spend more on our pets' health than we do on our own financial health. Yet every single morning we get up and go to work — trading our time for money — and almost none of us have ever spent a single hour building a real plan around it.
You'd think that's what a financial advisor is for. In a way, it is — just usually not for you. Financial advisors do exist, but they've traditionally been built for people who already have money: account minimums, assets under management, a net worth requirement just to get in the door. That's been the closest thing to real help with debt, protection, and wealth building all in one place — and if you didn't qualify, you were on your own. Until now.
A budget isn't a plan. An insurance policy isn't a plan. An investment account isn't a plan. A financial wellness plan is all three — working together, on purpose, built around your life.
That's what Smart Money GPS™ was built to do.
A complete financial wellness system built around the three things that matter most — at every stage of your financial life.
Your financial progress is only as strong as what's protecting it. One unexpected event — an illness, an accident, a lawsuit — can erase years of hard work. The right coverage isn't a bill. It's the foundation everything else is built on.
Most people earn and spend without ever asking if their money is working as hard as it could. We help you understand how your money is structured — and show you a smarter way to manage it so every dollar does more.
When your foundation is protected and your money is working efficiently, something opens up — capacity. The ability to borrow strategically, invest intentionally, and build wealth that lasts beyond you.
Most people know what they earn. Few know where it's actually going. A Financial Timeline Analysis doesn't just show you your debt — it shows you the full picture: what you owe, what it's costing you in time and interest, where your money is silently leaking, and what becomes possible when you finally take control of it.
A Financial Timeline Analysis maps every loan you carry — mortgage, car, credit cards, student loans, business debt — and shows you exactly when you'll be debt free and what it's costing you to get there on the bank's default terms. For most people it's the first time they've ever seen their full financial picture in one place.
And once you see it, you can't unsee it. That clarity is where the Smart Money Framework begins.
Free. No account numbers. No credit check.
Behind every analysis is a system
waiting to change everything.
A complete Financial Wellness Plan is three things working together — protection that holds, a system that eliminates debt the fastest mathematical way possible, and a path to build wealth with that same dollar.
Insurance is the foundation. The Money Max Account compresses your debt timeline the fastest way mathematically possible — often to a third or half of what the bank originally scheduled, eliminating debt in as little as 5 to 10 years. Money Max Pro takes that same freed-up dollar and puts it to work building wealth — at the same time. Three pieces, one system.
As business owners and licensed insurance agents, we thought we had a solid handle on money. We were professionals — surely we knew enough. But the more we looked, the more we realized there was an entire side of finance we didn't know about.
Like a lot of Americans, we were flat-out tired of not being in control of our own money. We needed direction. We needed a financial wellness plan.
So we went looking. And here's what we found: the banks have always known exactly how money works. They know more about money than anyone alive — and they spend billions of dollars making sure most people never figure out how the game is played. There's a reason it's not taught in schools. Not even at the highest levels of financial education. The gap isn't an oversight. It's very intentional.
As our search continued we were led to the Money Max Account — the tool that finally showed us how the institutional side of money actually works. It was time to stop playing by consumer rules and start playing by institutional ones.
But a truly complete financial plan has one more piece. Money management alone has a blind spot — and that's the gap Smart Money GPS™ was built to fill. One major loss with gaps in coverage can be devastating, setting you back years in reaching your goals. We've seen it happen too often — people who built something real, only to have a coverage gap set them back years. It's something we now offer every one of our insureds as part of a complete financial plan. As a multi-line insurance agency, we bring that protection full circle — coverage that works alongside the system, not separately from it.
Once insurance becomes a part of your wellness plan, you stop wondering if you're doing enough — because for the first time, someone is finally looking at the whole picture.
This is the financial wellness plan we wish someone had handed us years ago — now we are handing it to you.
Troy & Suzanne Hooper
Founders · Smart Money GPS™ · Licensed Insurance Professionals · UFF Independent Agents
Farmers Insurance · Hooper Agency · NPN: 18699748 / 20239373 · Licensed: ID · OR · WA · UFF Agent #1056461
The Financial Wellness system works the same way regardless of where you're starting from. The math doesn't change — only the context does. Here's who we work with.
You make payments every month but you've never seen a map of when all of it actually ends — or what's quietly compounding in the background. We put every loan, your income, and your cash flow into one clear picture so you can finally see your finish line.
Good income, steady job, doing everything right — and still feeling like progress is slower than it should be. That's not a discipline problem. It's a system problem. We show you exactly where the gap is and what changes when you close it.
Running a business means making financial decisions constantly — equipment, payroll, expansion, credit lines. But most business owners have never seen the true cost of what they're carrying, or how long it's actually going to follow them. We help you see the full picture so every decision from here is an informed one.
Multiple properties mean multiple timelines — each carrying debt, generating income, and affecting your overall financial picture. Most investors optimize their portfolio but never map how all that debt interacts. We help you see exactly where you stand so your next move is strategic, not reactive.
If you're 50–65 and still carrying debt, the clock is real — and the cost of waiting is higher than most people realize. We help you see exactly what your debt timeline looks like from today and what becomes possible when you compress it before retirement. There's still time. But clarity has to come first.
A Financial Timeline Analysis is the first step to building your Financial Wellness Plan. It takes thirty minutes. And in that time, most people gain a clearer picture of their finances than they've ever had before.
100% FREE — No obligation. No account numbers. No credit check.
The first step is always clarity.
Run My Numbers →🔒 Your information stays private. We never request account numbers, social security numbers, or credit checks.