Not a logo wall, not a round number. One question, asked from every one of 33,791 US ZIP areas: does a lookup return a verified insurance agent or financial advisor near me, or fail over, deterministically, to the regulator? Below is the recall, on both axes, recomputed every deploy. Nothing claimed that is not measured.
Snapshot 2026-07-17 — monotonic, recomputed as the index grows.
A coverage number is meaningless without its denominator. So here are the three quantities, kept separate on purpose. The trick the industry plays is quoting one and implying another.
UEveryone licensed to practice — the true denominator. ~2M insurance producers; ~735k advisor individuals. Public counts, attributed below.
the whole population
IThe verified listings we actually hold and serve. A strict subset of U. This is what most sites inflate; we publish it raw.
what we hold
q(z, r)From ZIP z, is there a verified listing within radius r? Coverage is the fraction of the map for which q returns true. This is the number that matters.
what we optimize
The insight worth the whole page: spatial recall decouples from inventory recall. We hold 3.20% of the advisor universe, yet already answer 92.9% of ZIP queries within 50 miles — because advisors cluster where people live, and one verified advisor covers a whole metro of queries. You do not need the population to cover the map.
RIAs, IARs, CFP professionals, and FINRA series-licensed representatives.
22,558 registered adviser firms live — 58.6% of all ~38,500 in America, from the SEC Form ADV public-domain compilation.
Every person licensed to sell any line of insurance in America.
704,704 licensed producers live from official state rosters (TX, FL, LA, IA) — combined with curated listings: 37.5% of ZIPs within 25 mi, 53.6% within 50.
Two very different numbers, side by side, on purpose. Insurance is early — a deep first market (King County) and a national map still filling in. Advisors are far along on the axis that matters, the map. Neither number is rounded up.
Coverage is not a spreadsheet; it is the output of a pipeline. Every query flows through the same five stages, and the last guarantee holds at 3% recall and at 99%.
22,558 adviser firms from the SEC feedPublic-domain sources only. The SEC Form ADV compilation; state Department-of-Insurance producer rosters as public records.
O(log n) ZIP resolutionEvery listing geocoded and placed on a spatial index over all 33,791 US ZIP areas. Lookups are nearest-first by great-circle distance.
answer < 25 / 50 miA ZIP query returns the nearest verified listings, distance-ranked. This is the only number that matters to a person searching: is someone near me, verified?
0 fabricated resultsNo verified result within 50 miles? A deterministic handoff to the authoritative regulator by name. Never a dead end. Never an invented profile.
owned, removable, theirsThe consent-first write path. A professional creates, claims, verifies, updates, or removes their own listing, checked against the regulator at claim time.
All 33,791 ZIP queries return an answer. Zero are fabricated. Recall only ever goes up.
A verified listing when we have one; an honest, by-name handoff to the SEC, FINRA, the CFP Board, NIPR, or your state Department of Insurance when we do not. There is no fourth outcome, and there is never an invented profile.
National ZIP resolution over all 33,791 ZCTAs, distance-ranked, with authoritative delegation everywhere the index is thin. This stage is live.
The SEC's public-domain Form ADV compilation powers the national layer: 22,558 firms with a usable US address, refreshed from the feed. Individual IARs have no public bulk file, so they join by claim.
State DOIs publish producer rosters as public records. The five largest states are roughly 40% of all US producers — so five ingests move insurance spatial recall further than the next forty combined. NIPR completes the map.
Every professional claims their one listing, verified against the regulator at claim time — consent-first, removable, theirs. This is how the index earns trust, not just size.
Coverage figures are recomputed on every deploy from the live index against 33,791 Census ZCTAs. We never bulk-copy restricted registries (NIPR, FINRA BrokerCheck, CFP Board); firm-level facts are the SEC Form ADV public domain, attributed and dated. A directory, not advice — confirm licensure with the regulator.