Professional Partnerships
Refer with confidence. Add value for clients. Participate in revenue — responsibly
(Farmers Insurance — Hooper Agency)
Risk management aligned with financial direction.
This includes personal and commercial insurance planning designed to protect assets, income, and business continuity — ensuring financial progress is not undone by a single unexpected event.
Protection makes strategy durable.
(ROK Financial)
Non-traditional and alternative business funding solutions for situations where traditional lending may not align with timing or underwriting realities.
When paired with financial modeling, borrowing becomes strategic rather than reactive.
Access — aligned with structure.
Each recommendation stands on its own and is implemented only when it serves the client’s goals.
Smart Money GPS™ offers a structured referral partnership for professionals whose clients need greater financial clarity — including debt optimization, cash-flow coordination, capital positioning, and aligned protection strategy.
You remain the trusted advisor.
We provide the modeling, structure, and implementation support that helps clients understand how their financial decisions interact over time.
There is no competition and no added operational burden.
Just strategic alignment that helps strengthen your client relationships while giving them access to tools and insights that improve financial outcomes.
Simply refer clients who need greater financial structure.
We handle the modeling, education, and follow-through.
Your role:
• Maintain the trusted client relationship
• Expand your value without expanding your scope
• Provide meaningful support without operational overhead
You continue serving your clients.
We provide the financial modeling, structure, and systems that help them move forward with clarity.
If you're a professional interested in helping clients improve their financial structure, clarify their financial timelines, and make better long-term financial decisions, we invite you to connect.
Whether you're exploring:
• referring clients for improved financial structure
• participating in the MMA affiliate partnership
• coordinating capital solutions for business owners
• understanding how Smart Money GPS™ integrates with your practice
We welcome the conversation.
No pressure.
No obligation.
Just professional alignment.
— Troy & Suz Hooper
Smart Money GPS™
For aligned professionals, this partnership functions as a natural extension of the work you already do.
Smart Money GPS™ operates as a plug-and-play support system that complements your existing client relationships without adding operational complexity.
There is:
• no product development
• no fulfillment responsibility
• no client support burden
• no operational overhead
You continue doing what you already do best —
serving your clients and guiding their financial decisions.
We provide the structure, modeling, and systems that help clients move forward with greater clarity.
WHAT SMART MONEY COORDINATES
Two Ways To Partner
Strategic Partnerships
Model for Trusted Professionals
How The Partnership Works
A Turnkey Extension of Your Existing Practice
Client Fit Always Comes First
Professional Standards & Ethics
Start With A Conversation
When clients improve their financial structure, the impact extends far beyond debt.
• Cash flow stabilizes
• Interest burden decreases
• Borrowing decisions become more strategic
• Financial follow-through improves
• Long-term resilience strengthens
Financially structured clients tend to become better long-term clients.
Why This Strengthens Your Practice
Smart Money is built on clarity — not bundled selling.
The strategies and tools we introduce — including debt structure, protection planning, and capital coordination — are modular by design.
They may be used together when appropriate or implemented independently when that better serves the client.
If a solution is not appropriate, we say so.
Every recommendation is guided by the client’s goals, priorities, and timing.
Smart Money partnerships are built on:
• client fit first
• full disclosure
• documented affiliate agreements
• transparent compensation
• long-term outcomes over short-term gains
We do not:
• pressure clients
• push unnecessary solutions
• replace trusted professionals
Your client remains your client.
We simply step in where structure and modeling are needed.
This model works because it is ethical, clear, and aligned.
Industry-Specific Videos
If you prefer a quick overview, industry-specific videos are available further down this page.
"You continue doing what you already do best. We provide the structure, modeling, and systems."
"Clients who experience real progress tend to return, refer, and build deeper relationships based on trust."
(Debt & Cash Flow Modeling — Money Max Account®)
Many professionals are the first to hear clients say:
"I’m doing everything right… but I still can’t seem to get ahead."
That moment often involves:
• inefficient debt structure
• interest-heavy timelines
• cash-flow strain
• business borrowing decisions
• lack of follow-through despite good intentions
Smart Money GPS™ steps into that gap with education, modeling, and financial structure — helping clients understand the timeline their current financial decisions are creating.
You keep the relationship.
We support the structure, modeling, and implementation.
Becoming a Partner
After registering as a Smart Money GPS™ partner, you will receive a unique referral link.
When a client expresses interest in improving their financial structure, you simply share your link.
From there, our team handles the rest — including:
• Education
• Financial modeling
• Cash-flow and timeline analysis
• Implementation support if the client chooses to move forward
If your referral activates their account, partner compensation of up to $500 per activation may apply, depending on the program structure.
Your role is connection — not selling.
Smart Money GPS™ is not a product.
It is a structured framework designed to coordinate debt, cash flow, protection, and capital decisions into one intentional financial strategy — helping clients understand how those decisions affect their financial timeline.
Where We Begin
2. Financial Technology
1. Strategic Protection
3. Access to Capital
(Money Max Account® — United Financial Freedom)
A forward-looking financial modeling system that calculates optimal debt sequencing and cash-flow timing across multiple accounts.
It functions like a financial GPS — continuously recalculating the most efficient payoff path and forecasting future decisions before they are made.
Structure creates efficiency.
Every engagement begins with a FREE Financial Timeline Analysis.
This establishes visibility, identifies inefficiencies, and determines whether any of these components are appropriate — individually or in combination.
The creators of the Money Max Account®, John Washenko and Skyler Witman, were recognized as Ernst & Young Entrepreneur Of The Year in the Financial Services category for the Utah region — honoring their leadership in financial strategy and innovation.
1. Strategic Referral Resource
When financial structure improves, clients often experience stronger cash flow, better financial decision-making, and greater long-term financial capacity.
By introducing clients to structured financial solutions, you position yourself as the professional who recognized the gap and provided the bridge.
You remain the primary advisor.
This is collaboration — not competition.
What Your Role Looks Like
You remain the trusted advisor in your client relationship.
Our role is to provide the financial modeling and structural insight that helps clients better understand how their debt, cash flow, and financial decisions interact over time.
The goal is not to replace your guidance —
it is to strengthen the outcomes your clients experience.
How to Introduce Smart Money
There is no script required.
A simple introduction is enough.
For individuals or families:
“If you’re working hard financially but still feel like cash flow or debt is slowing progress, I can connect you with a team that models how your finances are structured and where improvements may exist.”
For business owners:
“They help business owners evaluate how current debt and cash flow are structured, and model financial decisions before making major moves.”
That’s it.
If the client is curious, you simply share your referral link and we handle the rest.