Zoop Benefits · Agent & Advisor

Strategy Request.One set of numbers.

Tell us about your client once, accurately, and we build the tax mitigation plan, the Waterfall design and the estate planning conversation from the same facts.

Tax Mitigation The Waterfall Estate Planning
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Before you start: have the client's exact dates of birth, income by source, known health conditions, existing policies and a best-guess net worth. Strategies take real time and money to build, so please submit only for likely clients after a full discovery.

Agent & Advisor

Strategies require a large amount of resources of time, energy, and money to create. These are reserved strictly for likely clients following a thorough discovery. Please help protect our resources by completely as accurately as possible.

What are we building?

What do you need? Pick "Both" Tax Mitigation and either the Living Benefits or Index Waterfalls whenever the client is moving IRA or 401(k) money. The tax plan tells us what the conversion actually costs and what's left; the Waterfall design puts what's left to work. Building them separately means keying the same numbers twice and getting two documents that can disagree.

Which Waterfall?

  • Living Benefits Waterfall funds the Safe bucket with indexed life insurance — the client has to be insurable, and the design carries a death benefit and living-benefit riders. This is best when the client has at least 5 years until planned income and typically younger than 75 years of age.

  • Index Waterfall - indexed annuity — no underwriting, available at ages and health situations where life insurance isn't. The Index Waterfall is typically for older ages, needing income sooner, or for those who are uninsurable and don't have another person who is insurable (spouse, child, employee, etc.)

  • Check both if you want to see the design ruPreferred Life Insurance Carrier(s)*Choose one or more optionsPreferred life carriers — these are the carriers we're contracted with and design to, kept current by the home office. Choose as many as you'd consider and we'll design to the strongest fit; leave it blank and we select for you. If you have a carrier in mind that isn't on the list, put it in Step 9 and we'll tell you whether we can write it. Client-facing output never names a carrier, so this is a design instruction, not something the client will read.n each way. Please reserve this ONLY as necessary.

Your answer decides which carrier list you see next and how the Safe bucket is taxed: life insurance is funded with taxable dollars, while an annuity can be taxed, Roth or a straight IRA rollover.

Preferred life carriers — these are the carriers we're contracted with and design to, kept current by the home office. Choose as many as you'd consider and we'll design to the strongest fit; leave it blank and we select for you. If you have a carrier in mind that isn't on the list, put it in Step 9 and we'll tell you whether we can write it. Client-facing output never names a carrier, so this is a design instruction, not something the client will read.
Preferred annuity carriers — these are the carriers we're contracted with and design to, kept current by the home office. Choose as many as you'd consider and we'll design to the strongest fit; leave it blank and we select for you. If you have a carrier in mind that isn't on the list, put it in Step 9 and we'll tell you whether we can write it. Client-facing output never names a carrier, so this is a design instruction, not something the client will read.
Income horizon determines whether life insurance or growth annuities are an option (>5 years) or if an income annuity (<5 years) is the foundation of the Waterfall Strategy.  Income never will be a maximum amount to heirs instead of an income strategy.
In plain language, please describe what you're requesting, especially if it's out of the norm.

Client Details

First and Last Name for Presentations.
Please enter accurate date of birth.
Tobacco and/or nicotine in any form in the previous twelve months. Cigars carry some exceptions based on quantity and the carrier.
It is HIGHLY recommended to stay with Standard unless you are confident of the suspected rating.  It is often easier to place a policy with a higher rating than a lower rating.
Screening only, to choose the carrier and check eligibility for accelerated underwriting. The full health history is collected on the application.

Spouse Details

First and Last Name for Presentations.
MM / DD / YYYY
Tobacco and/or nicotine in any form in the previous twelve months. Cigars carry some exceptions based on quantity and the carrier.
It is HIGHLY recommended to stay with Standard unless you are confident of the suspected rating.  It is often easier to place a policy with a higher rating than a lower rating.
Screening only, to choose the carrier and check eligibility for accelerated underwriting. The full health history is collected on the application.

Annual Income Sources

Income amount and sources are required to properly size life insurance capacity as well as tax mitigation opportunities. Please enter as accurately as possible for all sources.

Check all that apply
$
Gross Annual Income from wages.
$
$
$
1099s and K-1
$
Sum of All Income Sources Calculated from Income Sources Aboe
In natural language, describe any changes to income over the next 5 years including the what income is changing and when.  For example Client is retiring in 2 years and earned income goes to zero and social security income will be $36,000 per year.

Qualified Conversion

This section is used when the client has qualified funds to be converted to non-qualified funds using tax mitigation or leverage. If tax mitigation is selected above, the system will generate tax mitigation and a one year conversion. If tax mitigation is not selected, they system will generate an optimal multi-year conversion using only leverage.

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All sources of qualified money to be converted.
Outside funds are preferred to maximize tax free growth in Roth accounts.  Withholding upon conversion reduces the amount staying tax free.
$
Total outside funds available to pay taxes and fees.  Excess will be withheld upon conversion.
Please enter any additional information that may be helpful in designing the ultimate conversion for your client.

Accredited Investor

An accredited investor is anyone who either has a net worth over $1 million (excluding primary residence), or has income of over $200,000 in each of the prior two years.

Estate Plan

Plans and documents are current if signed within the last 5 years and updated after any marriage, divorce, birth, death, move to another state, or business sale. Choose None only if everything is current or the client declines.

$

Tax Mitigation

Does the client own 100 acres or more used for commercial farming or ranching?
How many acres are dedicated to production including grazing and farmed acreage. 
$
Adjusted gross income from last year's return (Form 1040, line 11).
$
Total federal income tax from last year's return (Form 1040, line 24).
$
Total federal tax across the last three filed returns. Some credits can recover these taxes.
$
Rental, royalty or other passive income per year.
$
Cash, savings or brokerage money that could fund a strategy now.
$
Current value of option shares already exercised and held.
A business, real estate, stock or other asset sale in the next 24 months.
$
Estimated taxable gain, not the sale price.
Home, rentals or commercial property. Equity can help fund some strategies.
$
Market value minus mortgages, across all properties.
A loan against equity can fund a strategy without using cash.
Some credit and depreciation projects require active participation. 2027 projects need 12 months.

THE ZOOP CREW PROMISE

A system that finds money,

a method that closes it.

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WHO WE SERVE AND WHAT WE SOLVE

Regular Americans deserve
Family Office power.

Elite financial strategy — master tax planners, estate attorneys, insurance professionals, and wealth-building under one roof — has always been reserved for the ultra-wealthy. Zoop ends that. Every conversation you have starts with a real problem. Know these cold. Lead with the problem, never the product.

Full product and partner resources coming soon for each problem area.

PROBLEM

The Tax Bleed

"I write a massive check to the IRS every year and I've just accepted it."

Most CPAs file correctly. They just don't look for what's being missed. A 3-year lookback often reveals money already paid that belongs back in the client's pocket — and a forward strategy that keeps it there.

PRODUCTS AND PARTNERS COMING SOON

PROBLEM

The Lazy Money Problem

"I have money scattered everywhere doing nothing."

Old 401(k)s, idle cash, accounts that haven't moved in years. The Waterfall Strategy consolidates and puts idle assets into a system that compounds — and gives the client access without penalty.

PRODUCTS AND PARTNERS COMING SOON

PROBLEM

The Invisible Bleed

"Revenue looks fine but I never seem to have money."

The leak is real. It's just spread across enough places that nobody's ever added it up. Taxes, uncoordinated coverage, idle money, no plan. One conversation surfaces what's actually leaving the table.

PRODUCTS AND PARTNERS COMING SOON

PROBLEM

The Benefits Trap

"I'm paying for benefits my employees can't afford to actually use, and I'm still losing people."

Employers are overpaying for coverage that doesn't work. A level-funded or self-funded layer puts money back into the employer's control — without switching carriers or disrupting the team.

PROBLEM

The No-Exit Problem

"I've been building the business for 20 years. I have no idea what comes next."

Most business owners are so deep in daily operations they never built the machine that runs without them. Estate plan, succession strategy, retirement income — all of it. The sooner the conversation starts, the better the outcome.

PRODUCTS AND PARTNERS COMING SOON

READY TO MOVE?

The tools are here.
The method works.

The only variable is how consistently you show up and use them.

We help you find money you didn't know you had, then put it to work forever.

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