Instructions to Investors


Should you, as a prospective investor, decide that you wish to subscribe for the Investment Units offered as part of this Offering, you should undertake the following actions: below:

Action to be Taken:
  1. Complete and sign the Non-Disclosure Agreement sent to you in the initial invitation link from ZipCoda.
  2. Meet with ZipCoda Investment Representative via Zoom or in person
  3. Read and sign the Business Plan
  4. Read and sign the Private Placement Memorandum
  5. Read and initial & sign the Service Agreement
    • Page 2 - Notice contact information
    • Page 5 - Bank Information
    • Page 6 - Status Representation - choose what category from pages 6-9
    • Page 15 - Subscriber Information and Execution
    • Page 15 - Registration of Units
    • Page 16 - Written Communication
    • Page 16 - Citizenship
    • Page 16 - SS#
    • Page 17 - Redemption Payments
    • Page 17 - Execution
    • Page 18 - ZipCoda to Accept here
  6. Read/initial Appendix A - pages 19 - 25
  7. Read/initial Appendix B - pages 26 - 31
  8. Make checks payable to: ZipCoda USA Escrow


ZipCoda Investment Opportunity



ZipCoda is the world’s first location-based app to offer consumers a platform to find vetted service professionals and instantly communicate with them in an "uber-like" fashion. Consumers can search categories ranging from HVAC companies to attorneys, quickly see professional profiles, and instantly connect with them to obtain services. They are given the option to create a FREE account to save lists of providers and information exchanged between them. Service providers are limited to seven providers per territory in each category, and they will not be charged per lead like other leading platforms. The cost of entry for vetting providers is nominal and the monthly listing fee is fixed which provides the highest ROI per marketing dollar. The advantage of our proprietary URL algorithm generator for each provider pushes all pros on the ZipCoda platform to the top of Google searches which is unprecedented in the online marketplace.

HOW WE DO IT - 2021

Target 1900 Counties X 50 Categories X 7 Providers P/C X $199.00 - Admin Fee=$132,335,00


2021 2022 2023 2024
Reveneue 136.1M 325.5M 545.5M 759.7M
Marketing 47.6M 113.9M 190.1M 265.9M
Gross Profit 88.5M 211.6M 355.3M 493.8M
Less Expenses 40.8M 97.6M 163.6M 227.9M
Less R&D 2M 2.5M 3.5M 5M



  • Marketing
  • $ 1,320,000
  • Management
  • $ 720,000
  • Technology
  • $ 240,000
  • Operation
  • $ 120,000


    • The fastest app for consumers to engage with vetted pros
    • Highest marketing value for providers in the service industry
    • World's first custom URL with powerful algorithm generator
    • Increased strength in numbers for providers for organic search
    • Low cost of entry and monthly investment for providers


    Bert Seale, Founder and Chairman, is a serial entrepreneur, inventor and philanthropist. Among the vast global experience in entrepreneurship he is the founder of technology platforms InKozi and Anyteetimes. His strong vision for changing the way small businesses can grow through technology has propelled the creation of this platform, ZipCoda.

    Dr. Rollan Roberts II, CEO, is a strong artificial intelligence and quantum-proof cybersecurity advisor to national governments and was nominated to Central Command's Department of Defense Civilian Task Force. He founded Courageous, a superhuman, Artificial research and product development think tank. He is an advisor to national governments, and former CEO of the Hoverboard, the best-selling consumer product worldwide in 2015.

    Ray Bastin, CFO, is a CPA, audit partner, and business advisor at Withum. Founded in 1974, WithumSmith+Brow, PC ranks in the top 30 largest public accounting and consulting firms in the country.

    Barton Mercer, Esq., General Counsel, A former, top producing Securities and Options Trader & Institutional-Level Multifamily Housing Advisor. His 22-year career brings a wealth of experience in education, licensure, and law practice that provides ZipCoda USA expertise and insight that few attorneys in this space can leverage.

    Joanie Jennings, Director of Home Services, 30+ year entrepreneur, consultant, and multi-million dollar real estate broker. The many years of industry knowledge and experience has been invaluable to ZipCoda's Home Service Provider Division. inspiring many of the foundational aspects of our platform.

    Liza Seale, Director of Marketing - Liza brings more than 14 years of technology experience including cyber security and data management. Liza's contributions to ZipCoda began as the Co-Founder of InKozi, where she led the team of engineers in the company's mobile app and web platforms.

    Dr. Aboods, Director of Medical Division at ZipCoda, and highly successful in medical practice. He founded a consulting firm to helo medical practices operate their businesses more efficiently and profitably.

    Business Plan


    December 1, 2020
    Version 2.0
    Document Control Number 202002



    1.        Executive Summary

    2.        Opportunity

    2.1.        Total Addressable Market

    2.1.1.          Overview of Home Services

    2.1.2.          Overview of Professional Services

    2.1.3.          Overview of Marketing Budget Allocations

    3.        Seizing the Opportunity

    4.          The Executive Team

    4.1.        Bert Seale, Founder and Chairman of the Board

    4.2.        Dr. Rollan Roberts, II, Chief Executive Officer

    4.3.        Ray Bastin, CPA

    4.4.        Barton Mercer, General Counsel

    4.5.        Joanie Jennings, Director of Real Estate Division

    4.6        Chris Callaway, Director of IT

    4.7.        Liza Seale, Director of Marketing

    4.8.        Layla Colon, Director of Human Resources

    4.9.        Dr. Sheffield Abood, Director of Medical Division

    5.        Business Overview

    5.1.        Software Development        

    5.1.1.        Core Expertise

    5.1.2.        Expanding

    5.1.3.        Planned Growth

    5.2.        Processes

    5.3.        Operating Divisions

    6.        Unique Selling Proposition & Value Proposition

    6.1.        Relationships

    6.2.         Passion

    7.        Financials

    7.1.        Growth Projections

    7.2.        Pro-Forma Financial Summary

    7.3        Use of Funds

    1.        Executive Summary

    This investment opportunity is being offered by ZipCoda Technologies (ZCT), a software development company poised to take advantage of business sectors that have been experiencing consistent growth for decades.  Hundreds of categories of professional services—from electricians and locksmiths to chiropractors and attorneys—are searched for and engaged online every day in the US to generate trillions of dollars in revenue every year.  According to Forbes in a March 27, 2020 report, small businesses contribute nearly half (44%) of the national GDP and employ 47% of the private sector workforce. Professional and home service providers make up a significant number of those businesses and are operating in ever-increasing competitive marketing environments.  ZipCoda Technologies has built a platform to set professionals apart from their competitors with an affordable and highly effective marketing application called ZipCoda.

    Traditional advertising vehicles like television, radio and newspaper have long been beyond the budget of most solo practitioners and smaller professional services companies.  The list of affordable alternatives—like neighborhood print publications and the Yellow Pages—began to grow nearly two decades ago with digital marketing options. Today, a crowded marketplace and high demand have made standing apart and getting “found” by potential customers increasingly expensive while decreasing the ROI on marketing investments.  Google Pay-Per-Click, Search Engine Optimization (SEO) and Directory Listings all now require specific expertise and much larger budgets in most cases to be effective.

    ZipCoda is the world’s first location-based mobile app to offer consumers a platform to find vetted service professionals and instantly communicate with them. The “user experience” is the most streamlined of all offerings in similar market segments. Users can search categories ranging from HVAC companies to attorneys, quickly see professional profiles and then instantly connect with them for FREE without having to set up an account. They are given the option to create a FREE account to save lists of providers, project quotes and notes for future reference.  A maximum of seven service providers in any given category are allowed and they do not pay per lead like other leading platforms—a significant “point of difference”.  The cost of entry for providers to be background checked and vetted is nominal and the monthly listing profile fee is fixed.  ZipCoda provides the highest ROI per marketing dollar with this business model.  The ROI is further increased with a proprietary URL algorithm generator for each provider which pushes all providers on the ZipCoda platform to the top of Google searches.

    Consumers have come to expect instantaneous information at their fingertips on their computers and mobile devices. Entertainment has moved to an “on-demand” model as Amazon, Netflix and YouTube quickly serve up an ever-increasing amount of content.  As the dominant internet search engine, Google has continued to hone its ability to serve up “relevant” content better than any other platform. The ability to provide search results based on keywords and one’s location is terrific if a consumer is looking for specific types of stores or restaurants.  On the other hand, if you are looking for a service provider that is near you and has been vetted and background checked, there are a limited number of platforms or mobile apps from which to choose.  Those platforms have become increasingly expensive for providers to use in their marketing mix and consumers have to spend a lot of time entering information before they are able to see relevant providers.  ZipCoda was developed to address both of these major stumbling blocks.  The result is a superior user-experience and a much more affordable and effective marketing platform for providers.

    ZipCoda provides consumers with trusted service provider choices in the fewest number of clicks.  They can then connect immediately with providers via call, text or message or save a list of providers from whom they would like to receive quotes and make notes.  It eliminates looking at Google ads and organic search results only to rely on the posted reviews or number of stars a provider may have.  

    Creating this new platform required technical experience and skills that were developed over years. Strategically adding members to the leadership team over the last 24 months, founder Bert Seale has assembled a talented group of technologists, software developers, marketers, business development experts and visionaries that are all devoted to creating products and solutions that work flawlessly and—most importantly—result in business data efficiencies that drive substantial profits for ZipCoda and its investors.  

    This well-timed opportunity and the impressive returns outlined in this offering will be delivered by a company that has been in development of this proprietary software platform for nearly three years.  The URL algorithm generator is unique in the world of internet search which sets the company apart from competitors. The flat-fee business model for providers and streamlined user-experience for consumers has given ZipCoda the Unique Value Proposition needed to become an immediate market disrupter.

    The exceptional projected growth of this outstanding software development company is supported by the following seven key considerations:

    1. Technology—software specifically—is projected to grow exponentially over the next 10 years.
    2. The leadership team and technical talent are firmly in place and provide deep wells of experience.
    3. Members of the leadership team have a track record of highly successful work for dozens of multimillion-dollar companies including Fortune 100 companies and federal governmental agencies.  ZipCoda also has an experienced Board of Directors, advisory board and business leadership team with significant success in rapid-growth multimillion-dollar companies.
    4. A culture of excellence is promoted throughout the company with a high level of customer support for providers and a focus on the end-user experience.  
    5. The company’s Unique Value Proposition in the marketplace will make ZipCoda a market disrupter.
    6. Products and solutions are produced with great technical and business acumen that result in thoroughly thought-through platforms that work perfectly while increasing profits for the company and its clients.
    7. Providers will experience the effectiveness of the basic profile and then be offered the opportunity to amplify their marketing with add-on services.  The additional services will create revenue streams that are not reflected in the projections contained in this offering.  

    2.        Opportunity

    2.1.        Total Addressable Market

    There are more than 450 identified professional service and home service categories that fit the ZipCoda application.  The total addressable market is extremely large; however, this section will focus on phase 1 which targets 30 key categories with strategic marketing campaigns.

    Home services will target single family homeowners and the key services they need to maintain their property.  Professional services such as chiropractors, attorneys and dentists will target homeowners and non-homeowners and will be marketed to consumers in phases.

    2.1.1        Overview of Home Services

    There are about 95 million single family homes in the US as of 2019.  That is up from 91 million single family homes in 2013 according to the American Housing Survey. This includes both detached and attached single family homes, such as townhouses.  As of January 2020, 65.1% of families own their home in the US.

    The average homeowner spent $9,081 last year on home services, according to HomeAdvisor. The costs broke down as follows:

    • $7,560 on home improvements
    • $1,105 on home maintenance
    • $416 on home emergencies

    According to US News and Freddie Mac, homebuyers should actually budget up to 4% of the property's value in annual maintenance costs. That's $12,000 for a $300,000 home. Or $1,000 per month. If you have a home worth $1M, expect maintenance to be $1,000 to $3,333 per month.

    Below are examples of just a few home services categories:

    IBIS World published a report that there are 66,305 swimming pool cleaning service businesses in the US in 2020.  They expect 3.1% growth in 2020.  Over the five years to 2019, industry revenue increased at an annualized rate of 6.3% to $6.1 billion, including 4.1% growth in 2019 alone.

    According to the United States Department of Labor, Bureau of Labor Statistics there are about 24,371 businesses registered in the locksmith industry. The US industry statistics shows that industry generates approximately $2.5 billion annually and has grown an average of 4.1% a year for the last five years.

    IBIS World states the average industry growth 2015–2020 in the remodeling industry has been 2.5% to a current $102.5 billion.  Operators in the remodeling industry remodel and renovate the interiors and exteriors of residential buildings, which includes activities such as additions, alterations, reconstruction, maintenance and repair work.

    According to Career Explorer, there are currently an estimated 480,600 plumbers in the United States. The plumber job market is expected to grow by 15.6% between 2020 and 2026.

    According to IBIS World, there are 211,342 electrical contracting companies in the US generating $194 billion annually. They vary greatly according to a survey by Electrical Contractor. Seventy-two percent of the smallest firms (1–4 employees) reported annual company revenues of less than $250,000, while 59% of firms with 100 or more on staff reported company revenues at $25 million-plus.  Quanta Services was ranked as the leading electrical contractor in the United States based on sales data in 2018, generating 6.4 billion US dollars in revenue. Rosendin Electric and MYR Group were ranked second and third, respectively.

    Annual revenue of competitive platforms targeting mostly homeowners include: Home Advisor $427 million, Angie’s List $302 million, $10 million, Task Rabbit $25 million and Handy $34 million. Handy raised $50 million in 2015 and is now owned by Angie’s List’s parent company.

    2.1.2.        Overview of Professional Services

    Professional services firms in the United States generated nearly $2 trillion in combined revenue in 2018 (an 11% increase from 2017). That same year, the US professional services industry included 9.4 million jobs spread out over 1.2 million firms.

    Professional services are occupations in the service sector requiring special training in the arts or sciences. Some professional services require holding professional licenses such as architects, accountants, engineers, doctors and lawyers.

    The size of markets vary depending on the resource and definition of the market.  For example, according to statistics from the US Census Bureau's 2016 Service Annual Survey (SAS), revenue for all service sectors covered by the program was estimated at $15.5 trillion for 2019.

    Examples of professional services include some of the following market data:

    According to Statista, the largest percentage of US medical practices in 2018 included practices with 2-5 physicians, representing over 23% of the total. Medical practices with 31-100 physicians represented around 11% of medical practices in the United States in that year.

    As a subset of medical practices, the chiropractic industry generated around $12.5 billion in revenues last year.  There are now about 75,000 chiropractors in the US, but that number is expected to grow about 15% over the next decade (which would bring the total up to more than 86,000). According to a comprehensive survey of DCs, the average gross billings are now $$619,530 per year. That’s up from $608,100 last year.

    Thomson Reuters states that the total legal services market size is $437 billion with small law firms of 1-29 attorneys representing $108 billion of that total.  The market size of the Personal Injury Lawyers & Attorneys industry, measured by revenue, is $37.6 billion in 2020 according to IBIS World.

    An industry that is not allowed to advertise in traditional channels are bail-bonds companies.  Their services are most often needed quickly making ZipCoda’s on-demand platform a good fit for the application.  The Atlantic states there are more than 25,000 bail-bonds companies across the US and only about ten insurers are responsible for underwriting the bulk of the $14 billion in bonds that are issued each year. The industry as a whole brings in around $2 billion in profit a year.

    Seattle-based Avvo, which runs an online legal directory, marketplace and reviews site, has entered into an agreement to be acquired by Internet Brands, a large holding company whose portfolio includes companies such as eDoctors, CarsDirect Connect and WebMD.  Internet Brands is especially strong in the legal arena, holding interests in,, Martindale-Hubbell and Nolo. That strength played a big role in the company’s decision to be acquired.

    After raising $71.5 million in venture funding three years ago, Avvo appeared to be on a fast track for an initial public offering. At the time of that funding, Bloomberg News pegged the company’s valuation at about $650 million. Backers of the company included Technology Crossover Ventures, Vulcan Capital, Ignition, Coatue, Expedia and Zillow co-founder Rich Barton and others. It had raised $132 million in venture capital.

    2.1.3.        Overview of Marketing Budget Allocations

    A 2019 study by Gartner reported that marketing leaders planned to spend 26% of their marketing budget on marketing technology in 2020 (down from 29% in 2019), making it the single largest area of investment for marketers, followed by labor, agencies and paid media. Email marketing platforms, web content management and digital marketing analytics platforms were the highest martech priorities.

    Reports from Forrester Research and eMarketer show the estimated allocation of marketing funds offline versus online and across the digital channels.

    Here are some conclusions from those reports:

    • In 2020, the average firm was expected to allocate 45% of their total marketing budget to online vehicles.
    • Search engine marketing will capture the largest share of online spend with online display (banner ads, online video, etc.) taking the second largest share.
    • Online video will represent the highest growth category, with the anticipated investment more than doubling 2016 numbers by 2021.
    • Social media advertising investments will continue to grow, with a 17% compound annual growth rate from 2016 to 2021. Social media spending overall averaged 11-12% of total marketing budget in the August 2019 CMO Survey.
    • Mobile marketing has grown to a point that it is no longer tracked separately in the forecast and  presumed to be considered across all channels.
    • Digital marketing is pacing at an 11% compound annual growth rate between 2016 and 2021 with the biggest growth occurring in online video.
    • Investment in paid search, display advertising, social media advertising, online video advertising and email marketing is predicted to account for 46% of all advertising by 2021.

    Today’s businesses are going through a strategic shift defined by digital and information transformation that is moving at record pace.  Data and analytics are driving break-through results that enable companies to go beyond mere competitiveness.  Agility and deployment options are becoming increasingly important as organizations are compelled to leverage “The Cloud” to remain competitive.  

    “Some 89% of executives believe digital technologies will disrupt their business in the next year.” --Forrester Research

    3.         Seize the Opportunity

    ZipCoda Technologies has the experienced technical, business development and marketing team needed to address the ever-increasing digital marketing needs of professional and home services providers. The number of businesses that are finding it difficult to adjust their marketing budgets to the new competitive marketplace is extremely large.

    Given almost every business now has some sort of internet presence, the major challenge is standing apart from competitors and getting “found” by potential customers.  Google Pay-Per-Click, Search Engine Optimization (SEO) and Directory Listings all now require expertise and much larger budgets in most cases to be effective.

    ZipCoda offers an affordable and effective alternative to current digital marketing offerings. The low cost  of entry and low monthly subscription model make it easy for a business of almost any size to add ZipCoda to its marketing mix.

    ZipCoda currently owns large databases in the legal and medical industries.  Strategic partners have additional databases across all sectors that ZipCoda can market to starting on the first day of the campaign to providers.  The number-one asset of many organizations has become data analytics.  It can be used to:

    • Mitigate Risk
    • Introduce Innovative New Products
    • Enhance Customer Experience
    • Create Agility and Affordable Deployment Options
    • Drive High-Impact Business Outcomes
    • Optimize Assets

    SaaS (Software as a Service) models offer many advantages for companies to stay ahead of the rapid changes in technology.  ZipCoda is poised to develop its own recurring-revenue subscription-based products and take them to market.  This ensures Minimal Viable Products can make it to market in the shortest time possible and get to value faster.

    4.        The Executive Team

    Having the best idea in the world coupled with the best of market conditions is meaningless if a team is not capable of execution.  ZipCoda Technologies has assembled a highly knowledgeable team with a proven track record of facilitating great ideas with relentless precision and disciplined execution.

    Name                                Position

    Bert Seale                        Chairman of the Board & Founder

    Dr. Rollan Roberts, II                Chief Executive Officer

    Ray Bastin, CPA                Chief Financial Officer

    Barton C. Mercer, Esq.        General Counsel, Dir. Legal Services

    Joanie Jennings                Director Real Estate Division

    Chris Callaway                Director IT

    Leyla Colon                        Director Human Resources

    Liza Seale                        Director Marketing

    Dr. Sheffield Abood                Director Medical Division

    4.1.        Bert Seale, Chairman of the Board & Founder

    As a serial entrepreneur, inventor and former professional golfer, Bert Seale has always relied on his ability to find different perspectives in tackling problems and visualize solutions.  Whether looking at a process, a physical product or challenge others have never fully addressed, Bert has a dogged approach to finding an answer. Seeing the world differently inspired Bert’s imagination from a young age.  Inventing better solutions to problems and visualizing their execution is in his DNA. It is partly what led him to golf. Once, bitten by the game, he was determined to maximize his potential—a very successful professional career as a player and then as a coach was the result.

    Like many inventors and visionaries, Bert’s head was always spinning with new ideas. While playing professional golf, projects began to move from hobbies to “let’s take this to market!”.  The ability to communicate with all kinds of people helped Bert take his research—and in many cases, “prototypes” he had built, to vendors and enlist their help when needed.  Whether it was creating a plastic mold, designing product packaging, or writing software for his latest idea, Bert was always a team builder. ZipCoda is a shining example of Bert’s own core competency as he has assembled a high-level team with the various skill sets needed to create a break-through SaaS product.

    Bert has traveled to 46 countries building relationships with investors, distributors, manufacturers and a wide range of vendors in creating and growing several companies.  In the golf industry, Bert invented a golf training aid called PutterScope.  The product was endorsed by David Frost, top PGA professional at the time and television infomercials were among the marketing strategies that led to the sale of over 100,000 units. Bert also owned and operated a family entertainment facility called “The Golf Place” in Altamonte Springs, FL.  He opened a golf school there and started coaching PGA professional, Matt Kuchar, during that time.  Matt went on to win the US Amateur Title and become a prolific PGA professional.  During this time Bert was early to the Internet with a golf coaching website Bert and became known as the "mind course mentor monk in Taiwan".  Enlisting the help of ghost writers, Bert has authored several golf eBooks and Blog articles.

    Early to enter the world of using computers to aid in golf instruction, Bert was the creator of the “Golf First” kiosk for driving ranges.  He had the only company at that time that owned the rights to PGA golf swings for training purposes.

    A few notable mentions of Bert’s many inventions include; The SunGlass Visor—which combined sunglasses with a plastic visor molded with Mickey and Minnie Mouse ears—as a top seller in Disney’s retail stores that garnered $25 million in sales, a cable organizer called StarLink which sold in Office Depot stores with over 3 million dollars in sales, a patented product for automobiles sold as The Mirror Sock and Bert won a national competition for “eye, mind and body therapy" with The Mystic Pyramid.

    As a citizen of South Africa, Bert served in the Division Signal Corps and was deployed for a year in Angola during the South African Border War. Being on the front lines was a life experience he would never want to repeat, although it produced a great deal of strength and self-reliance.  Bert speaks 5 languages, 3 fluently and always enjoys returning to South Africa. Bert founded and owned a Silica Mine in South Africa exporting silica sand globally and consulted with a Fortune 500 US MLM company and opened a division in South Africa called Nature’s Sunshine Healthy Warehouse.

    As founder of three web application platforms prior to ZipCoda, Bert has embraced the digital world and sees it as a significant part of the new US economy. Bert created Foosc, the “future of online coaching”, eGolfViewer, now Any Tee and Inkozi, an on-demand attorney platform.  All of the experience in the various application platforms has formed the foundation for ZipCoda Technologies.  Bert is passionate about helping small to medium size businesses understand digital marketing better and grow their business without large marketing budgets.  Helping consumers find trusted, reliable professionals is at the core of the service and he knows it will provide a winning formula for all involved.

    Bert is married to his lovely wife Liza and has four children.  Liza is from South Africa as well and his oldest son Joshua is a professional golfer. They reside in Orlando, Florida.

    4.2.        Dr. Rollan Roberts II, Chief Executive Officer

    Dr. Rollan Roberts, II is a strong artificial intelligence and quantum-proof cybersecurity advisor to national governments and was nominated to Central Command's Department of Defense Civilian Task Force. He is the founder of Courageous!, a strong AI and cybersecurity research and product development think tank that serves advanced defense security initiatives of national governments.  He served as CEO of the Hoverboard company, creating the best-selling consumer product worldwide in 2015, and has a record of crafting viral global brands as CEO of both public and private SMB to multi-billion-dollar companies.

    Dr. Roberts hosts the annual African Diplomatic Entrepreneur Summit in partnership with multiple African governments and United Nations SDGs and was bestowed the diplomatic designation of "His Excellency" when awarded Peace Ambassador to World Governments by the International College of Peace Studies.

    Dr. Roberts has addressed world leaders at Harvard University, Bloomberg BusinessWeek, and China’s government and business leaders in Tiananmen Square at the Great Hall of the People (China’s Congress). He served as an advisor to the Top 20 Startup companies in the world (in Spain) and advisor on the U.S.-China Trade War.

    In addition to being a private pilot, he holds a Doctorate degree in Global Business and Entrepreneurship, authored 6 best-selling international books on business and entrepreneurship, founded the International Down Syndrome CEO Camp for entrepreneurs and continues to educate and empower leaders and entrepreneurs by hosting the annual CEO Cruise and women’s empowerment BeautyPro Cruise as Chairman of the Board for the International Association of Pageantry.

    Dr. Roberts is a recognized industry authority in consumer goods, cybersecurity, artificial intelligence, energy, technology, manufacturing, direct sales/network marketing, cannabis, and biotech sectors.  Achievements include the formation of a natural baby formula that was the closest alternative to breast milk and founded a nutraceutical company as a natural alternative/supplement to chemotherapy. He was listed as a Top 100 Most Influential Floridians of 2015 by Insight Magazine was a Marketing & Branding strategist with Tom Feltenstein, Creator of the McDonalds Happy Meal and helped open the first Ronald McDonald House.

    Dr. Roberts serves on the Board of Directors of FORTRESS, a cybersecurity tech company committed to fully securing data with advanced technology solutions and defending against the most sophisticated quantum-computing attacks in the world. The Vault1729 technology is the result of over 14 years of intensive research into the methods employed by hackers to gain access to private sector and government networks.

    4.3.        Ray Bastin, CPA

    Ray and Withum has been engaged to provide the back office accounting and tax advisory for Zipcoda.

    4.4.        Barton C. Mercer, Esq., General Counsel

    As a top-producing former Securities and Options Trader, and successful Institutional-Level Multifamily Housing Advisor, Attorney Mercer’s 22-year career brings a truly unique breadth and depth of education, licensure, and experience to his law practice that provides ZipCoda USA expertise and insight that few attorneys in this space can leverage.  A few of Mr. Mercer’s practice areas of focus are Investments Law, Asset Protection, and Business Planning for Institutional Clientele and Private Placements for Start-up Issuers and Funds.  Mr. Mercer has successfully structured, represented, litigated against and defended Hedge Funds, Manufacturers, Major Insurance Carriers, Medical Service Providers, Wholesalers, and Diverse Real Estate Holding Companies.  

    Prior to Law, Mr. Mercer was the Director of Operations for the 14th-Largest (by transaction volume) Institutional-Level Multifamily Advisor Firm in the U.S., Board Member of the National Multi-Housing Council, and a member of FINRA (f.k.a. NASD), having held licenses in Securities, Real Estate, and Insurance.  Mr. Mercer is currently a member of the Florida Bar and the U.S. District Court for the Middle District of Florida.  Mr. Mercer earned his Bachelor of Arts Degree in Political Science from Rollins College of Winter Park, Florida, his Juris Doctor from Barry University School of Law in Orlando, Florida, and is a former U.S. Marine.

    4.5.        Joanie Jennings, Director of Real Estate Services

    Joanie is a 30+ year entrepreneur including 15 years as a multi-million-dollar real estate broker. She is constantly on the lookout for new ideas and innovations and was instrumental in the development of the ZipCoda platform when her path crossed with Bert Seale, Founder.

    Her experience in the real estate industry includes sales, marketing, loan processing, finance, accounting, client relations and customer service. The many years of industry knowledge and experience has been invaluable to ZipCoda’s Home Service Provider Division, inspiring many of  the foundational aspects of our platform.

    Being in the real estate industry for nearly 15 years has been the ultimate challenge including building up her own clientele through cold calling, door to door, networking, and constant client connection, to a business today that is over 90% referral based and consistently award-winning.  Her concentration has been on residential, commercial, & new construction.

    While at Citi Bank’s loan division, she was responsible for analyzing various guidelines and policy issues, working closely with loan officers to configure and verify compliance with underwriting guidelines.  She was a central point of contact for new loan officers assisting them with navigating and understanding internal processes and systems.  

    Joanie’s career has also included positions in the medical industry with transcription, coding, and insurance filing, as well as the music buying director of a large music franchise.  Both of these careers were challenging and inspirational to becoming an entrepreneur and successful business owner in the years to come.

    She excelled in sales as a Team Leader in a direct sales marketing company, building a large team of consultants, providing training and support to the entire team on a weekly basis.  Her sales leadership is driven by the challenge of finding unique ways to facilitate the success of individuals, teams, and organizations.  She has a talent for seeing needs before they are on the radar and a passion for exceeding expectations.

    Joanie’s academic life includes a Bachelor of Science Degree in Music Education.  As an accomplished pianist, she has played for large audiences since the age of 10.  She is also the proud mother of three adult children who are all very successful in their stages of life.  They inspire her to greater challenges on a continual basis.  

    4.6.        Chris Callaway, Director of IT

    Passionate about creating new products and driving positive change, Chris has excelled in the IT industry.  Utilizing A - Web application/chrome extension for recruiters, he has created applicant tracking system integrations for many third-party recruiting software applications.  He created the ability to seamlessly scrape the net for user data and sync the results with a variety of applications.

    Chris excels in many technologies including AngularJS/NodeJS, Grunt, GIT, vanilla JavaScript, jQuery - Development for client based sites utilizing vanilla JavaScript, jQuery, JSON API data integration, PHP/mySQL, SASS, HTML5/CSS3, responsive design, cross browser capabilities, GruntJS, GIT, Drupal, and Prestashop.

    Chris’ experience includes application and tool development, business analysis, business management, project management, team leadership, IT architecture and implementation and networking.  As a software developer and leader of teams, his top priority has always been to make a difference.  He believes that vibrant teams with good chemistry and culture are a cornerstone of amazing products and companies.  Directly in line with the values held by ZipCoda, it is important to Chris to be in an environment where he is constantly learning and using current technologies.

    As Chief Technology Officer, Chris brings a passion for building teams that work well together and are continually improving core platforms and always looking around the corner to develop new ones that help grow ZipCoda service lines.

    4.7.        Liza Seale, Director of Marketing

    Liza brings more than 14 years of technology experience including cyber security and data management.  Liza''s contributions to ZipCoda began as the Co-Founder of InKozi, where she led the team of engineers in the company's mobile app and web platforms.  She will oversee all data management operations at ZipCoda.[a]

    4.8.        Leyla Colon, Director of Human Resources  

    Leyla's extensive experience in developing Client & Partner Channel relationships will establish ZipCoda's growth of our service provider and customer base through her creative use of knowledge, media, technology and data.  She will bring more efficient processes to increase profitability, assist in acquiring top managers for strategic positions, and add value and services that will increase client retention.  Her attention to compliance will also provide ZipCoda with a significant competitive edge.

    4.9.        Dr. Sheffield Abood, Director of Medical Services

    Dr. Abood brings a depth of experience from a very successful career in the retail and automotive businesses. The knowledge he gained on what it takes to be a successful entrepreneur has served him well in all of his professional roles. Dr. Abood began his journey of becoming a Doctor of Chiropractic at age 40. His drive to serve others at the highest level allowed him to become a specialist in chiropractic treatments serving alongside other doctors while patients are under anesthesia. While operating a highly successful medical practice he founded a consulting firm to help medical practices operate their businesses more efficiently and profitably.  Dr. Abood finds great satisfaction in helping professionals that are very learned in their field of study and are open to assistance in helping them with the business side of their practice.

    5.        Business Overview


    5.1.         Software Development

    ZipCoda Technologies is a digital application development firm with extensive experience in building data-driven applications presented primarily as digital platforms and mobile applications.  The ZipCoda team has decades of experience completing an extensive range of projects centered around data management and the marketing of digital solutions to a variety of industries.

    The ZipCoda team has the knowledge and experience to perform leading-edge systems integration of major enterprise platforms in addition to installing high-level security systems.  This enables the company to take on large customers with a variety of sophisticated platforms.  

    ZipCoda is adept at building software and has a deep understanding of how to run software-based businesses and how to make them profitable.  According to Forrester Research, 89% of executives believe that digital technologies will disrupt their business in the next year.  ZipCoda is positioned to help companies tackle the changes and offer strategic consulting services that help align the right technologies to their short- and long-term business goals.

    5.1.1.        Core Expertise:  ZipCoda has extensive expertise in the following areas of software development:

    • Data Management
    • Process Automation
    • Mobile Apps
    • Content Management

    5.1.2.        Expanding:  ZipCoda is currently expanding into the following areas of software development:

    • Automated marketing response

    5.1.3.        Planned Growth:  ZipCoda has active plans to grow into the follow areas:

    • Social media management
    • Service industry resource library

    5.2.        ZipCoda Process

    The ZipCoda process is a fundamental reason it repeatedly delivers efficient and successful software solutions.  It is a proven model, especially when considering the blend of senior and junior developers with UI/UX professionals.  These unique attributes enable ZipCoda to provide high value to clients and the company itself by taking projects to market quickly and at the highest levels of quality.

            5.3.        Operating Divisions

    ZipCoda will be launching with three distinct operating divisions working in parallel:  

    • Home Services Division
    • Legal Division
    • Medical Division  

    6.        Unique Selling Proposition & Value Proposition

    ZipCoda is the world’s first location-based app to offer consumers a platform to find vetted service professionals and instantly communicate with them. The “user experience” is the most streamlined of all offerings in similar market segments. Users can search categories ranging from HVAC companies to attorneys, quickly see professional profiles and then instantly connect with them for FREE without having to set up an account. They are given the option to create a FREE account to save lists of providers, quotes and notes for future reference.  Service providers are limited to a maximum of seven in any given category and they do not pay per lead like other leading platforms—a major “point of difference.”  The cost of entry for vetting providers is nominal and the monthly listing fee is fixed.  ZipCoda provides the highest ROI per marketing dollar with this business model which is further increased with a proprietary URL algorithm generator for each provider that pushes all pros on the ZipCoda to the top of Google searches.

    ZipCoda develops high-value solutions by focusing on their intended purpose—to drive efficiencies and support revenue creation.  End-to-end solutions are developed and delivered with “Cloud First, Mobile First” in mind.  The high value-to-investment ratio is realized by solutions that work as intended and are delivered with the end user in mind.  

    6.1        Relationships

    The success of ZipCoda depends on the success of its clients and strategic partners.  Its business model is dependent upon building long-term relationships with its clients and strategic partners.  ZipCoda does this by consistently providing top-of-class service and the highest value activities to help clients succeed.  ZipCoda does not build software or implement a technology because it is cool or fun, but rather to make clients more profitable.  Providing the highest levels of customer service to clients is one of the company’s core values and is built into its culture.  

    6.2        Passion

    All ZipCoda team members are passionate about developing products and services that help small to medium-sized businesses be more competitive and profitable.  There is a love for learning new things and finding a way to help consumers have better experiences. Team members are dedicated to following industry best practices and take great pride in their work.    

    7.        Financials

    7.1        Growth Projections

    With the addition of top talent in the areas of finance, sales, medical, legal, real estate and marketing, ZipCoda has established a strategic plan to grow very rapidly from launch.

    • 2021 - $5,145,000
    • 2022 - $136,100,000
    • 2023- $325,500,000
    • 2024 - $545,400,000
    • 2025- $759,700,000

    7.2 Pro-Forma Financial Summary

    ZipCoda projects growing from $5.145M in revenue in 2021 to $759.7M in 2025.  This growth will put ZipCoda in position to become a standout and a standard in the industry.  

    Financial Projections 2021 - 2025



















    Gross Profit






    Less Expenses






    Less R & D






    Net Profit






    7.3        Use of Funds

    This offering is seeking $2.4 million.  Monies will be used to market and sell the platform to professional and home services providers, supporting internal resources, which includes providing the best customer support possible.  A portion will be held in a Reserve Fund to handle any unforeseen situations that may occur.

    1. Product Development - $200,000
    2. Sales and Marketing - $1,125,000
    3. General & Administrative - $580,000
    4. Customer Support - $190,000
    5. Reserves - $280,000

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