A strategic system designed to reduce interest, accelerate payoff timelines, and strengthen long-term financial stability.
Who We Are
We’re Troy and Suz Hooper — founders of Smart Money GPS™.
With years of experience protecting assets through our insurance agency, we now help clients also protect their financial future by eliminating debt more efficiently.
We serve clients throughout Idaho, Oregon, and Washington, with nationwide financial guidance available through leading debt-elimination technology.
The Problem We Saw
Our insurance clients consistently shared the same frustration:
“We’re making our payments, but the debt isn’t moving fast enough.”
These were responsible families, professionals, investors, and business owners — not people mismanaging finances.
The issue wasn’t discipline.
It was interest and inefficiency.
Loan structures favor banks, not borrowers.
Traditional budgeting rarely moves the needle.
Paying extra “when you can” isn’t a strategy.
People needed a smarter, more precise system.
The Financial GPS Behind Smart Money GPS™
Money Max Account™ (MMA)
A nationally available financial technology that uses advanced algorithms to:
• Minimize interest
• Optimize timing of payments
• Accelerate debt elimination
• Improve cash-flow efficiency
• Create personalized payoff paths
• Adapt to real-time changes in income or expenses
It uses math, not restriction or budgeting pressure.
And it works for:
• Mortgages
• Vehicles
• Business loans
• Credit cards
• Personal loans
• Investment property debt
• Almost any amortized or revolving loan
How Smart Money GPS™ Supports You
1. Protection Strategy
Your insurance coverage is aligned with your financial goals, protecting your home, vehicles, income, business, and rentals.
(ID/OR/WA coverage; nationwide guidance available.)
2. Debt-Elimination Efficiency
We use the MMA to show exactly:
• How much interest you can eliminate
• How quickly you can be debt-free
• How efficient your cash flow can become
• How to maximize every dollar you already earn
3. Professional Guidance
We walk you through the strategy with clarity, confidence, and smart financial planning support — without overwhelm or pressure.
What You Can Expect
With Smart Money GPS™, you gain:
• A clear view of your financial landscape
• A smarter, math-driven way to eliminate debt
• A strategic reduction in interest costs
• A payoff path tailored to your real-life numbers
• Guidance from experienced professionals who understand insurance, leverage, protection, and long-term financial strategy
This system provides clarity, control, and measurable progress — without drastic lifestyle changes.
Who Benefits Most
• Families seeking more financial margin
• Business owners increasing cash flow
• Real estate investors managing leverage
• Professionals wanting strategic clarity
• Anyone ready for a faster, smarter path to becoming debt-free
TS
“I never thought paying off business debt could be this straightforward. Smart Money GPS™ gave me both the tools and the peace of mind to see exactly when my debt will be gone.”
“Our bank gave us 25 years to pay off our mortgage. With Smart Money GPS™, we’re on track to be debt-free — mortgage and all — in just 9 years.”
★★★★★
★★★★★
Dean C.
San Diego CA
Cynthia and Roger A.
Caldwell ID
Reviews
Real results from real clients