Zoop Alpha · Investments · For Zoop Crew Agents
The biggest problems your best clients have are sitting in their investment accounts. Zoop Alpha puts a licensed investment advisor at the same table as you, our tax strategists and our attorneys, so you can finally solve the whole problem. Your job is the conversation and the introduction.
Start here
Twelve pages, the same format as the Estate Planning guide. Read it once, keep it on your phone, and come back to this page for your links, scripts and posts.
Why this matters to your business
As insurance agents we can't touch the investment accounts, and that's where most of our clients' money and most of their problems live. A licensed advisor on our side of the table changes that.
01
The Safety Engine is insurance: your lane. The Income and Growth Engines are investments, and only an advisor can recommend them. No advisor, no Waterfall.
02
Rollovers and Roth conversions out of Tax Jail are investment decisions too. Our advisors and tax strategists work them together, beside the client's CPA.
03
An outside advisor sees your annuity as money they don't manage. When one team handles everything, there's no outside seat at the table to unwind your work.
04
Solve the whole problem and you get invited to bigger tables. A family that gets one plan from one team tells their friends.
The offer nobody else can make: an investment advisor, a tax strategist, an estate attorney and an insurance agent, all on the same side of the table, working beside the CPA the client already trusts. That's a Fractional Family Office, and it is very hard to compete with.
The one rule
Zoop Alpha is an SEC-registered investment adviser. Only its registered advisors give investment advice. If you're not registered with Zoop Alpha, you share concepts and make introductions. That still leaves you plenty to talk about.
The handoff line · use it every time
That's a great question, and it's one for a licensed investment advisor. Would you be against me setting up 30 minutes with one of ours?
Giving investment advice without being registered can be treated as acting as an unregistered investment adviser. Your insurance license doesn't cover it.
Don't name the Waterfall Strategy. Describe it as the client's broader investment portfolio. Annuity amounts are set after the advisor meets the client.
Unlicensed agents aren't paid on investment business. Series 65 holders can refer as IAR solicitors under a written agreement. Talk with Robert Johnson or Ed Bertelsen, Chief Compliance Officer, before you refer anyone for pay.
A tour of ZoopAlpha.com
Every page ends with an invitation to talk with an advisor, so any page can start the conversation. For credit, the Bad Tuesday link with your Agent ID is still your best first step.
Home
Four broken beliefs, Tax Jail, the nine risks, the Waterfall and the test.
zoopalpha.com →Waterfall Strategy
How Safety, Income and Growth work together and move money between them.
/strategy →Family Office
For the client whose advisor, CPA and agent have never been in the same room.
/family-office →Philosophy
Plain-English decks and Dr. Piccinini's video, for analytical clients.
/philosophy →Bad Tuesday Test
Always send it with your Agent ID. Get your link below.
/bad-tuesday →Talk With an Advisor
Books a 30-minute meeting with a Zoop Alpha advisor.
/book →For Advisors
Payout, Founder's Pool, platform and transition plan. Use your ref link.
/advisors →Disclosures
Form ADV Part 2A and Form CRS, for anyone who asks.
/disclosures →Good to know: links that leave ZoopAlpha.com show a short "leaving ZoopAlpha.com" notice first. That's a compliance rule, not a broken link. BadTuesdayTest.com is easy to say out loud, but it doesn't carry your Agent ID, so send your personal link when you want credit.
The Investing Philosophy, in plain English
You don't need to explain portfolios. You need to tell the story well enough that your client wants to hear the rest from an advisor. Four convictions sit behind everything Zoop Alpha builds.
01
A handful of bad days decide most outcomes. Start from the worst case and build from there.
02
Protection, income and growth are different jobs. One portfolio doing all three is how families sell at the bottom.
03
More risk isn't the only path to more return. How a portfolio is built matters as much as what's in it.
04
Investment, tax, insurance and legal decisions affect each other. Make them together.
Safety Engine
Contractual guarantees from life insurance or annuities keep this money out of the market's way. It doubles as dry powder.
You: the insurance agentIncome Engine
A liquid income mix that shifts toward Treasury bills when stress spreads across markets, so the paycheck doesn't depend on selling at the bottom.
Zoop Alpha advisorGrowth Engine
Built with Heavy Tail Optimization around the market's worst days, not its average ones, and re-checked every month.
Zoop Alpha advisorDeck · Growth Engine
Why averages lie and how to measure a bad day. Research by Ron Piccinini, Ph.D., and Straxen.
Open on ZoopAlpha.com →Deck · Income Engine
Full income when markets are calm, T-bills when the storm spreads.
Open on ZoopAlpha.com →Guide · All three engines
The Rockefeller family office idea, explained simply.
Open on ZoopAlpha.com →Describe it. Don't promise it. Say "built for the market's worst days." Never say "protected from losses," "can't lose" or "beats the market." Heavy Tail Optimization is a way of building portfolios, not a guaranteed outcome. Guarantees in the Safety Engine come from the insurance carrier.
The conversations most investors never get
Most advisors mean well. Many are working from a playbook written decades ago. These are your conversation starters, and every one is a concept, not an investment.
Stocks fell about 19%. Bonds fell about 13%. Same year. The cushion didn't show up when it was needed most.
Plenty of risk questionnaires blend how brave you feel with what your money can actually absorb. Those can point in opposite directions.
It comes from a 1994 study of past returns. Published "safe" rates since 2021 have ranged from about 3.3% to 4.7%.
A bad market early in retirement, while you're selling to pay bills, can do damage the plan never recovers from. That's sequence-of-returns risk.
Tax-deferred isn't tax-free. RMDs force money out, which can raise Medicare premiums and the tax on Social Security. That's Tax Jail.
The advisor, the CPA and the insurance agent can each be right from their own seat and still never see the whole board.
Sources: S&P 500 price index and Bloomberg U.S. Aggregate Bond Index, 2022 calendar-year returns, rounded; Morningstar, The State of Retirement Income; W. Bengen (2025). Indexes are unmanaged and cannot be invested in directly. Past performance does not guarantee future results.
Using the Bad Tuesday Test
Markets don't crash on a schedule. The test asks how your client would handle one ordinary Tuesday when everything drops, and it scores two things separately, because a plan has to survive both. It never asks for account or Social Security numbers.
Score 1 · Nerve
Six questions about how they think and how they've actually acted in past downturns. Scored 0 to 100.
Score 2 · Numbers
Five questions about timeline, savings cushion, income and how much they'll lean on this money. Scored 0 to 100.
The overall score
70% on the lower score and 30% on the higher. Three more questions (amount invested, accredited investor, biggest worry) help the advisor prepare and don't change the score.
Gap flag
Comfortable with more risk than their timeline and cushion can absorb. Feels fine in good years, gets expensive in bad ones.
Gap flag
Their money could handle more ups and downs than they're comfortable with. Too much caution can quietly cost them over time.
No flag
The two line up. The next question is whether the way the money is invested today lines up too.
Be curious. Don't interpret. Ask: "What surprised you?" "Did your spouse get the same profile?" "Has anyone ever checked whether your accounts match that score?"
"That's exactly what the advisor looks at. Would it be crazy to let them put your score next to your accounts?"
Your personal links
Enter your Agent ID: your first and last name in lowercase with a dash, the same one you use for Great Retirement Rescue and Estate Planning. Every link carries it, so every result and advisor inquiry comes back tagged to you.
How it works
No portfolio reviews on your end, no statements to collect, no investment advice to give. Your job is the introduction, and the Safety Engine when it's part of the plan.
Text, email, social post or a QR code at your next appointment. Use the scripts below.
Fourteen questions, about three minutes. They see their profile, both scores and any gap flags right away.
The result lands in the Zoop Alpha CRM tagged with your Agent ID, and an advisor invites them to a no-pressure review.
The advisor compares the score with how the money is invested today. If a Waterfall fits, you handle the Safety Engine.
Done-for-you Facebook posts
Each image has your personal QR code built in, and each caption has your link. Download the image, copy the caption, post. One a week covers you for six weeks. Instagram doesn't make links clickable, so the QR code does the work there.
Your six posts appear here as soon as your Agent ID is set, with your QR code in every image.
Refer advisors · The road to $500 million
Advisors are how Zoop Alpha reaches its goal, and every advisor we add is another licensed partner for the Waterfall cases our agents bring in. You know who's good, who's stuck, and who has talked about getting licensed for years.
Our goal is $500 million in AUM, as fast as we can get there. 20 advisors with $25 million each gets us there. So do 50 advisors with $10 million each.
You don't have to find all of them. You have to find one. More advisors means faster help on your cases in more states, more advisors who need an insurance partner for the Safety Engine, and a stronger perimeter around every client we serve.
Let the page and our team explain the details. Don't quote pay or equity terms yourself. Send your Advisor Careers link, or book them a Discovery Call with our team. Would it be ridiculous to send it to the one person who came to mind while reading this?
Keep it clean
Zoop Alpha is an SEC-registered investment adviser. These keep you, your client and the firm out of trouble.
FAQ
No. You're sharing a free educational questionnaire and making an introduction. Leave the investment conversation, the score and any recommendations to a Zoop Alpha advisor.
Yes, as a concept: three engines, each with one job. The Safety Engine is insurance and is your lane. How much goes in each engine, and what's inside the Income and Growth Engines, is the advisor's call.
Not on the investment side unless you hold a Series 65 and a signed solicitor agreement. You stay the insurance agent on the Safety Engine, where you're licensed.
The Indexed Waterfall starts at $300,000 total. Any family can take the test and talk with an advisor.
Their profile (Anchor, Harbor Pilot, Navigator, Blue-Water or Storm Chaser), their Nerve and Numbers scores, any gap flags and plain-English insights, plus an invitation to talk with an advisor. They can save or share their result.
Every result from your link is tagged with your Agent ID in the Zoop Alpha CRM. If you think a client took it without your link, email [email protected] with their name.
The test is a second opinion, not a breakup. Zoop Alpha is glad to work alongside the professionals a family already trusts.
Yes, using the posts and wording on this page as written. Anything you write yourself goes through Compliance Check first. Reviews take about three business days.
A Zoop Alpha advisor. Book a case call from the button at the top of this page, or post in the Zoop Crew Community. Strategy time with Robert: zoopbenefits.com/bookrobert.