You can change the INNER JOIN to LEFT OUTER JOIN, as follows
SELECT * FROM (Users INNER JOIN Photos ON Users.UserID = Photos.UserID)
INNER JOIN Profile ON Users.UserID = Profile.UserID
LEFT OUTER JOIN #TempZips Zips ON (Zips.ZipCode = Profile.Zip )
WHERE Profile.Age BETWEEN 18 AND 99 AND
(Profile.Zip IS NOT NULl)
Abdallah, PMP, ITIL, MCTS