Becareful who you trust with your money. In the case of Zenith, please beware of D. Mark Tidwell. He was part of the Stanford International Bank ponzi scheme fiasco. While Stafford, himself, now sits in jail for life, Mr. Tidwell has started this company. Please research about him on the New York Times, and the story of Carol Lovil. Only after researching this story and his background along with everyone else in this company, should you then decide to let them handle YOUR money.