Zen Financial Services

Independent Financial Adviser  47 Broadleigh Way, Crewe, CW2 6TT
First meeting at adviser's own cost
Unbiased and friendly service. Shortlisted for Adviser of the Year by Unbiased, We offer remote advice via telephone, email and Zoom throughout the UK.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Buy my next home
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Buy to let
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Buying first home
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Equity release
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Flexible mortgages
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High loan to value
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Mortgage protection
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Next home / Remortgaging
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Self-employed mortgages
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Critical illness
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Income protection insurance
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Life insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Corporate pension
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Employee benefits
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Sharia finance
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Long term care
Response rating
9.0/10
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FCA authorised
Last authorised 15th August 2022
Meet our advisers
MR Mike Pendergast Dip FPS
Independent Financial Adviser

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This examination assesses a knowledge and understanding of financial protection plans.

This examination assesses a knowledge and understanding of investment products and the risks involved.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

About us

Finances can get complex - and that's where we can help. We can decipher the jargon, but still explain things in a way you understand.

Our advisers hold the Advanced Financial Planning Certificate (Dip.PFS) as well as specialist qualifications in Investment Advice, Equity Release, Pensions and Mortgages and receive ongoing training to ensure they are up to date with all the latest knowledge.

We also offer a full tax and accountancy service.

Mike Pendergast, firm principal, has 31 years experience in financial services.

Our services

Easy to understand advice, regular email updates, excellent communication, advisers available remotely.

We have won awards for our service, charging structure and performance.

Advice is available face to face in your home or via internet/email/telephone if preferred. Free initial reviews always available.

Where to find us
Head office address: 47 Broadleigh Way, Wistaston, Crewe, CW2 6TT
Preferred clients
Minimum wealth (income/assets)
£101,000
Minimum pension value
£51,000
Minimum mortgage value
£101,000
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
Compliance

Your home may be repossessed if you do not keep up repayments on your mortgage.

Zen Financial Limited is an appointed representative of Keystone Financial Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England. Registered address: 47 Broadleigh Way, Crewe, CW2 6TT. Registered Number: 09663856.

Response rating
9.0/10
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FCA authorised
Last authorised 15th August 2022

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