Zenith Asset Management

Alan Cox of Zenith Asset Management is your local, Cannock based Chartered Financial Planner providing independent financial advice to suit individual clients.

Alan Cox, Chartered Financial Planner, established Zenith Asset Management with a clear vision of providing clients with a renewed confidence that a professional financial adviser can add value to their financial planning.

We are very proud of the services that we offer. 

So, what do we do?

Portfolio Management Recommendations

Whether investing through a pension, ISA or offshore investments we will assess your investment priorities including your views relating to:

• Traditional Assets without any ethical screening
• Ethically screened solutions
• Environmental, Social and Governance (ESG) compliant solutions
• Investments that have a direct ‘Positive Impact’ on the United Nations 17 Sustainable Development Goals agreed in COP23 (the Paris Agreement) in 2015.
   

We will gladly analyse your current pensions and investments in relation to the holdings you have to establish whether you unknowingly invest in companies that contravene your principles: 

• Do your current investments contravene The 10 United Nations Global Compact Principles which include:
  • Human Rights
  • Labour: Many investments we have analysed have aspects of 
    • Child labour
    • Forced labour
  • Environment
  • Anti-Corruption
     
• Do you know if you invest into Controversial weapons? 
  We can analyse your current investments to see if you hold shares in companies that are involved with the manufacture of 
  • Cluster bombs
  • Land mines
  • Chemical or biological weapons

We are extremely proud of the knowledge that we have attained through thorough and ongoing research allowing us to have informed adult conversations about such topics mentioned above.

Our solutions: 

We are not here to judge, but we feel we have a duty of care to explore your views and to marry up your investments to your preferences. 

If it is important to you, we will ensure our recommendations do not hold anything that you feel acts against your principles and personal values.

We have many solutions that we recommend to clients for different reasons. Below is just one solution that our clients hold; In the last 12 months, through investing into companies that take care of the environment (either as a direct part of their business or through the structure of the business) our clients have:

• Avoided 2,476 tonnes of CO2 emissions
• Recycled 593 tonnes of waste
• Generated 2.1 GWh of renewable energy
• Installed 184 KW of renewable energy capacity
• Provided 534m litres of clean water
• Treated 961m litres of wastewater

The social impact our clients have made is also astonishing. Through investing in medical and educational companies as well as various other sectors, our clients have:

• Treated 685 patients
• Made 4,155 medical interventions
• Delivered 7,000 hours of school, further and adult education
• Reached 117 people with preventative health care
• Provided 217 people in developing markets with access to financial services
• Given 289 people in developing markets access to mobile networks.

Source EQ Investors, based on £10,000,000

You may feel that your investment won’t have any impact. Think again. A £50,000 investment could provide a very positive impact in all of the above.

Another solution reduces the carbon footprint of investing by over 50% compared to the FTSE 100.

How Do We Meet With You?

We enjoy face-to-face meetings; however, since 2012, we have used video meetings (Skype & Zoom) more regularly because:

1. We reduce our carbon footprint
2. It is much easier for you and us to present information using our shared screen
3. Distance is no object. We do have clients all over the world.
    

We can also arrange face to face meetings in our office in Cannock.

What else do we do:

Pensions & Pension Transfer Advice

• Personal Pensions, SIPP’s and SSAS.
• Workplace pensions advice to individuals and employers
• Divorce & Pension sharing orders

At Retirement Advice & Planning

• All types of annuities including enhanced annuities that benefit those in poor health
• Flexi-Access Drawdown – using our bespoke split portfolio service to reduce income risk.
• Tax Planning 

We are very proud of our bespoke Split Portfolio service which we feel is incredibly important when considering Flexi-Access Drawdown. 

Savings and Investments

• ISA (Individual Savings Accounts) / Junior ISA / Lifetime ISA
• Unit Trusts/OEICS/Investment Trusts/Exchange Traded Funds(ETF)/Venture Capital Trusts (VCT) and Enterprise Investment Schemes (EIS)
• Onshore/Offshore Investments

Personal Insurance

• Mortgage Protection
• Life Cover & Critical Illness
• Income Protection & Private Medical Insurance

Long Term Care Planning

• Insurance
• Investments
• Trusts

Inheritance Tax Planning

• Estate Planning
• Tax Planning
• Trusts

Lifetime Planning

• Setting targets, goals and aspirations, covering ALL of the above
• How much should you be savings?
• Plan design
• Cash Flow analysis for individuals

7 Reasons to have at least one Financial Planning Review EVERY YEAR

1. Your circumstances will undoubtedly change over the years,
2. Your goals and aspirations will alter
3. Legislation effecting tax, pensions and investments is regularly changing
4. The ever moving world of economics (and politics) impacts global investment markets, therefore, creating risks and opportunities
5. It’s important to make use of the variety of tax allowances available
6. We feel our reviews are also educational, helping you to improve your understanding and to make informed decisions
7. Monitor and maintenance of your financial plan and investment portfolio to check your progress against your objectives.

Reasons that make Alan stand out from the crowd

We recognise that there are many very good financial advisers some of whom we know very well; it’s great to have a choice… so, apart from the above, why choose Zenith Asset Management?

1. Qualifications: Alan is a CHARTERED FINANCIAL PLANNER, which the Personal Finance Society describe as “...the profession’s gold standard for financial planners. It confirms that every Chartered Financial Planner has completed a suite of professional qualifications equivalent to a Batchelors’ degree”.  Historically, only a few financial advisers seek to attain the Chartered status.
2. Experience: Alan has substantial technical knowledge and over 25 years of financial services experience to draw upon to provide you with full confidence and trust in Alans advice.
3. Focus on an on-going service, this means Zenith Asset Management’s philosophy is to review your financial planning regularly.
4. Happy clients, see our reviews; Alan says: “Our aim is to make our clients feel like they are the most important people in the world, because to us... they are.”

Zenith Asset Management continues to grow through client referrals and referrals from professionals such as accountants and solicitors who trust Zenith Asset Management to look after their friends and clients.

Alan understands the importance of a high level of knowledge to demonstrate his professionalism. This is backed up by more than 25 years financial services experience, having worked for a major high street bank, for one of the largest mutual life companies (no longer mutual) as a Senior Wealth Management Consultant, and then for a couple of smaller IFA's gaining the knowledge required to run a successful IFA business.

In 2007, Alan attained Chartered Financial Planner status, the pinnacle (or zenith) of the financial advice profession. At the time, the Financial Services Authority (now the Financial Conduct Authority) were clearly endeavouring to distinguish between "professional" advisers and the salesmen. By being Chartered, Alan, was already ahead of many financial advisers. As a firm we always strive to innovate and improve our services. 

Technology improves, economies, tax laws and global markets change minute by minute. As such we are determined to keep up-to-date with these changes and apply this knowledge to our advice and recommendations. In-fact several Independent Financial Advisers (IFA's) have referred their clients to us with regards to certain technical aspects of financial planning, as they do not hold the relevant qualification to be in a position to advise their client.

At Zenith Asset Management we provide a truly professional lifetime financial planning and Wealth Management service, helping you attain ongoing financial success, which in turn provides you with the money to achieve your goals. 

We do this by exceeding our clients’ expectations and going the extra mile.

Contact Alan Cox of Zenith Asset Management on Cannock (01543) 226177 or mobile 07963 642 766 for independent financial advice

Please mention We Are Cannock when contacting Zenith Asset Management.

Investments can go down as well as up in value, and you may receive less than you invested.

Zenith Asset Management Limited is regulated by the Financial Conduct Authority. FCA No: 710026

Registered in England & Wales Company number: 06633827.