Plain answers. No runaround. If you have a question that didn't get answered here, reach us at hello@smartmoneygps.net — we actually respond.
The free 30-minute session where we model your numbers together — every loan, your income, expenses, and cash flow, every dollar of interest, and one single payoff date the system calculates across all of it. This is what you schedule and what you walk away with.
Smart Money GPS™ is a financial wellness system for people who are doing the right things with money — and still feel like something is missing.
Most people manage their finances in pieces. Insurance here. Debt payments there. Maybe some savings. But no one ever showed them how it all connects — or what it actually costs them when it doesn't.
We change that. We bring three things together into one intentional plan:
The process always starts with a Financial Timeline Analysis — free, 30 minutes, no obligation. Most people walk away saying they've never seen their finances this clearly before. That's the point. Clarity first. Then a plan. Then momentum.
We stay in our lane — deliberately. Here's what that means in practice:
Smart Money GPS works best for people who are responsible with money, earn a decent income, and still feel like financial progress is slower than it should be. That feeling is more common than most people admit — because it's not a discipline problem. It's a system problem.
More specifically, it tends to resonate with people who:
This includes families, business owners, and real estate investors. The common thread isn't income level or net worth. It's the recognition that managing money in pieces — without a system connecting protection, structure, and growth — leaves too much on the table.
No — though debt is usually where the conversation starts. And it's worth understanding why.
Most people were taught that debt is bad — avoid it, pay it off, get free. That's not wrong. But it's only part of the picture.
Smart Money GPS is built around three stages: Protect what you have, Optimize how your money moves, and Grow what you're building. Getting out of debt efficiently isn't the destination — it's what clears the runway for everything that comes after it.
When interest stops running your clock, you get to decide what runs it instead — retirement, investing, business growth, or simply more freedom and less financial stress. That's the goal. Not just less debt. A financial life that's actually working.
Most people manage debt reactively — paying the minimum due, hoping it ends eventually. Managing it more efficiently means something different: understanding how each loan is structured, how they interact with each other, and how the timing and sequencing of payments affects how much interest you pay over time.
The Money Max Account is built to do exactly that. It looks at every loan you carry simultaneously and calculates the most efficient path through all of it — not one debt at a time, but all of them at once — using your existing income and cash flow.
No — and that distinction matters.
Smart Money GPS is not a registered investment advisory service and does not manage assets. What we are is a financial wellness guide — the person who sits down with you, maps the full picture of your debt, income, and cash flow, and helps you understand what's actually happening with your money before any product, advisor, or decision enters the conversation.
Most financial professionals start with what they sell. We start with what you need to see. When you have that clarity, every other financial relationship in your life gets better — your advisor, your lender, your accountant. We work alongside all of them, not instead of them.
Good question — and you deserve a straight answer.
The Financial Timeline Analysis is always free. Always. We do not charge for it, and completing it does not obligate you to purchase anything.
If you choose to move forward with one of the tools we use — insurance coverage through Farmers or the Money Max Account — we receive compensation from that provider. That's how the business works.
Fair. The internet has made everyone appropriately skeptical of anything described as "free" and "no pressure." We get it.
Here's the honest answer: the Financial Timeline Analysis isn't a pitch — it's a picture. Your actual numbers, your actual loans, your actual cash flow, all of it mapped together in one place. Most people have never seen that before. That alone is worth the 30 minutes.
We show you where you are, what it's costing you, and what becomes possible when the pieces start working together — protection, structure, and growth all in the same conversation. Then we let you decide what, if anything, makes sense to do about it.
The only way to really know if this is for you? Schedule the Analysis. If it feels like a sales pitch, walk away. You've lost 30 minutes. If it doesn't — you might have just found the clearest picture of your finances you've ever had.
The Financial Timeline Analysis is a free 30-minute session where we sit down with you and map your full financial picture — your debt, your income, your cash flow, and where your money is actually going each month.
Most people know their balances and their monthly payments. Very few have ever seen how all of it connects — how each loan interacts with the others, how much interest is quietly running in the background, and what the finish line actually looks like from where they stand today.
During the Analysis, we show you:
What you walk away with is clarity — a complete map of your finances that most people say they've never had before. That's where the plan starts.
Yes. No strings, no hidden fees, no "free consultation" that turns into a two-hour pitch.
The Financial Timeline Analysis is free because we believe that once you see your actual Financial Timeline — every loan, your income, expenses, and cash flow, every dollar of interest, and one single payoff date compiled across all of it, side by side with a better path — the value speaks for itself. We don't need to manufacture it.
Just the basics:
We send a short prep worksheet ahead of time. Fill it out beforehand and we'll make every minute count.
Clarity — and a specific picture of your finances you likely haven't had before. Here's what that looks like:
Most people say the Analysis is the first time they've ever seen their full financial picture in one place. Whether you move forward with anything or not, that clarity belongs to you.
That's actually the most common situation we work with. Multiple loans, scattered balances, uncertainty about how the cash flow is really behaving — that's not a problem. That's exactly what the Financial Timeline Analysis is designed to organize and clarify.
Our role isn't to judge how you got here. It's to show you clearly where you are and what your Financial Timeline looks like from today forward. Complex situations are precisely where strategy and clarity become most valuable. The mess is the reason to schedule, not the reason to postpone.
About 30 minutes. We keep it focused and useful — not a two-hour marathon that leaves you more confused than when you started.
Completing the prep worksheet beforehand makes a real difference. It lets us get to your actual Financial Timeline faster instead of spending the session gathering basic information.
It starts with one click. Hit 'View My Financial Timeline' above and we'll have your prep worksheet and scheduling link to you within 24 hours.
The Money Max Account (MMA) is a financial planning system developed by United Financial Freedom — whose founders, John Washenko and Skyler Witman, were recognized with the Ernst & Young Entrepreneur of the Year® Award in Financial Services. It's not a side project. It's a purpose-built system.
It works like a GPS for your loans. A GPS doesn't care how you got where you are — it calculates the most efficient route forward and recalculates automatically when something changes. The MMA does the same thing for every loan you carry: mortgage, credit cards, student loans, auto loans, business debt.
It maps the optimal payoff sequence across all of them simultaneously, shows you your exact Financial Timeline under the current bank plan versus the MMA path, and adjusts automatically when your income or life changes.
Troy and Suz operate as agents under the UFF license (#1056461).
Yes — and this is one of the most underappreciated features. The MMA can model the impact of a future financial decision before you make it. Examples:
You can see exactly how that decision affects your Financial Timeline before committing to it. Most financial decisions are made in the moment, with incomplete information. The MMA lets you see years ahead. That's not nothing.
It's more than a budget — but budgeting is absolutely part of it. Here's the distinction that matters:
The MMA includes a budgeting component that maps your expenses so the system understands where your money goes each month. That's not optional — the system needs to know what's available in order to calculate the most efficient payoff sequence. Think of the budget as the fuel input and the MMA as the engine that decides where that fuel goes.
So: yes, there's budgeting involved. No, it's not a glorified spreadsheet that tells you to stop buying coffee.
Most people find it simpler than they expected once they see it in action. There can be a slight learning curve up front — but it was designed to make financial decisions clear and automatic, not to require a finance degree. The more you use it, the easier it gets.
During the Financial Timeline Analysis, we walk through exactly how the system works. If you move forward, we continue providing guidance until you're using it confidently. You're never expected to figure it out alone — and over time, most people find the MMA simplifies their financial decision-making rather than adding to it. That's the point.
All the usual suspects:
The focus isn't the amount of debt — it's how efficiently it's being managed. The MMA continuously recalculates the most efficient next move as your circumstances change. It doesn't ask how you got here. It just calculates the best path forward.
After the initial setup and getting comfortable with how the system works, the suggestion is to be in it at least every other day — and ideally treat it no differently than you treat your bank account. Check it. Update it. Stay aware of it. That regular habit is all part of the financial wellness plan.
This is not a set-it-and-forget-it system. The MMA does the thinking for you — but you have to give it the information for it to do that. If you're not in it regularly, suggested payoff prompts can get missed. And missed prompts mean missed opportunities to save money and pay down debt faster.
Yes — and United Financial Freedom puts that in writing. If you follow all money transfers as directed by the program and your debts are not paid off by your projected payoff date, UFF will refund the full purchase price of the program. That's not a marketing claim — it's a written commitment from the company that built it.
The only way the guarantee doesn't apply is if you don't follow the plan — which is exactly why we walk every client through the system until they're confident using it.
Technically — yes. And we'll always be honest about that.
But here's what "doing it on your own" actually requires. Say you have a mortgage, two car loans, a credit card, and a student loan. To manage those efficiently without a system, you'd need to know:
Most people don't know the when, the where, or the how — especially across multiple loans at once. And that's not a criticism. Nobody taught us this. The banks certainly didn't.
The MMA knows. It holds all of that complexity, runs hundreds — if not thousands — of algorithms to calculate the most efficient path through it, and tells you exactly what to do next. You don't have to figure it out — you just have to follow it.
Money Max Pro is the investing and wealth-building side of the Money Max system. Once the MMA has compressed your debt and freed up cash flow, Money Max Pro answers the next question: where does that money go?
It's designed to help you put the momentum you've built to work — moving from debt elimination into wealth accumulation. Think of the MMA and Money Max Pro as two phases of the same financial journey: one clears the path, the other builds what comes next.
We can walk you through how it fits your picture during the Financial Timeline Analysis.
Because building financial efficiency only works if what you're building stays intact. One unexpected event — an illness, an accident, a lawsuit, a property loss — can reverse years of financial progress in a single moment. That's not a hypothetical. It happens to people who were doing everything right.
Insurance isn't separate from your financial plan. It's what makes the plan worth having. We make sure what you're paying on and paying down stays protected as your Financial Timeline improves — so the progress you're building today isn't forced backward tomorrow.
No. We review existing coverage to see how it aligns with your broader financial structure and where you're headed. If adjustments would genuinely strengthen your protection, we explain why. If your current coverage already does the job, we say so.
The goal is alignment — not replacement. We're not here to write a new policy for the sake of it.
Troy and Suzanne Hooper are licensed insurance agents in Idaho, Oregon, and Washington (NPN: 18699748 / 20239373).
Insurance licensing is state-specific, but our debt strategy tools and referral network serve clients nationwide. If you're outside ID, OR, or WA, we can still walk through your financial structure, offer guidance, and connect you with a trusted insurance professional in your area.
No. The MMA and insurance are entirely separate — and purchasing both is never required. Some clients use one. Some use both. The right combination depends entirely on your situation and what genuinely serves you best.
The only step that's ever required to get started is the Financial Timeline Analysis — free, 30 minutes, no obligation. Everything else follows from what you see in your own numbers.
Simple. You register through the UFF affiliate platform and receive a personal tracking link. When a client you refer purchases the Money Max Account, your commission is triggered automatically — $100, $300, or $500 depending on the plan they purchase. No invoicing, no follow-up required. The UFF platform tracks and pays everything.
Not at all. The affiliate program is open to everyone — no license, certification, or professional background required. Whether you're a financial professional, a friend, a family member, or someone with a social media following, all you need is a genuine belief that someone in your life could benefit from seeing their financial timeline.
Commissions are paid through the UFF affiliate program after a referred client activates the Money Max Account. Payment timing and method are handled directly through UFF. You can reach us at hello@smartmoneygps.net with any questions about the payment process.
Not required — but worth it. Partners who've gone through the Financial Timeline Analysis themselves refer with significantly more confidence. There's a difference between recommending something and recommending something you've seen work. We'd encourage you to experience it firsthand.
Anyone. The program is open to everyone — friends, family, neighbors, social media connections, community members, and financial professionals alike. If you know someone carrying debt who has never seen their financial timeline, that's all it takes to make a referral.
That said, financial professionals are a natural fit — CPAs, insurance agents, mortgage professionals, real estate agents, and securities professionals already sit across the table from people navigating debt and financial decisions every day. If that's you, this partnership was built with your position in mind.
The Financial Timeline Analysis answers most questions by showing you exactly how your own numbers work. Free. 30 minutes. No obligation.
View My Financial Timeline → Free · Private · No account numbers or credit checks required