The firm was founded after Zephrina recognized that many closely held companies — particularly in the transportation, trucking, and logistics industries — needed professional financial oversight and guidance but could not yet afford a full-time CFO or Controller. 

ZMC & Associates leverages remote automation and cloud-based technology to deliver state-of-the-art tax, accounting, payroll, and bookkeeping services to companies and sole proprietors across America. The firm helps small business owners, transportation organizations, and professional service firms transform their financial management so they can work on their business, not just in it. 

From family-owned businesses to growing partnerships, ZMC & Associates provides outsourced accounting and financial leadership to help clients thrive and grow. As a trusted advisor, ZMC & Associates also helps owners and individuals develop retirement plans and business exit strategies, as well as insurance products that support long-term legacy and wealth goals.