Our Leadership Team

Every client is unique. Every client deserves our sincere respect and attention. We depend on technology to be efficient, but only hire people who are responsive, dedicated and people-oriented. In the end, we know our clients hire us for our brains and our fast action, not just our quality paperwork.

Zephrina Cazaubon CPA, EA

Founder/Managing Partner

Zephrina Cazaubon is the Founder of ZMC & Associates and its managing partner, in addition to being an accomplished financial services professional.

Her robust 20 years in the financial services industry stems from her experience providing both in-house and outsourced CFO services – in addition to the establishment, growth and development of several accounting and financial businesses. Zephrina’s success stems from her ability to build teams based on competence, capabilities and shared core values.

ZMC & Associates provides payroll, and accounting services, as well as tax planning and preparation, retirement planning and insurance services – aligning well with JMR Financial Group’s offerings. Both organizations are aptly prepared to serve the other to ensure excellent customer service.

Prior to forming ZMC & Associates, Zephrina spent 15 years as Chief Financial Officer for a global transportation and logistics company. Realizing that many companies in growth phases are not yet ready to hire financial leaders at the c-suite level, she was inspired to launch her own business and provide that as an outsourced service. Today, she transforms her experience into guidance and oversight for companies in a wide range of industries.

Zephrina is a Certified Public Accountant (CPA) and a member of the American Institute of Public Accountants (AICPA). Her B.S. is in Accounting from the University of Indiana, and she has also earned an accounting professional certificate from McGill University, Montreal, Canada. She lives and works in Atlanta, GA where she manages a distributed team of financial experts helping clients across the United States.

Zephrina lives in Atlanta Georgia. When not working, she enjoys spending time with her family, traveling, and taking part in charitable activities.

Zephrina’ s favorite quote speaks to her passion in helping others: “Life is really about creating meaning – and meaning doesn’t come from what you get; it comes from what you give – Tony Robbins.

Nathan A. Madill, APA, CFP®, IAR

President/Secretary - JMR Financial Group

Nathan A. Madill serves as the President and Secretary of JMR Financial Group and leads the firm’s investment management, financial planning and employee benefits departments.

As one of the few individuals in Minnesota to hold an Accredited Pension Administration (APA) from the National Institute of Pension Administrators (NIPA), Nathan is well-equipped to provide clients and retirement plan participants with expert financial strategy and service. For the past 25 years, he’s worked diligently to increase each of his clients’ net worth and ensure their distinctive financial goals are met.

Importantly, Nathan is a Certified Financial Planner, a professional designation awarded to advisors who prove their fluency in financial planning through rigorous coursework, hundreds of hours in continuing education, and an exhaustive examination.

Nathan’s B.S. in accounting from the University of Minnesota Duluth and his Series 65 Uniform Investment Advisor license serve as the solid foundation for his leadership role at JMR Financial Group. He is a proud graduate of the Blandin Community Leadership Program, an in-depth course aimed at helping local leaders build and sustain healthy communities. As an advocate for the expansion of Twin Ports-based businesses and non-profits, Nathan is a member of the Hermantown and Superior Chambers of Commerce.

When not working, Nathan enjoys hiking with his wife, Karly. Their favorite trails include Angel’s Landing and The Narrows at Zion National Park. Together, they’ve explored breathtaking landscapes from Canada’s Banff National Park to the United States’ Glacier and Yellowstone National Parks. Nathan also enjoys relaxing at the lake and spending time with his children Trent, Megan, Lauren and Bode. As a family, they mountain bike, golf and play very competitive games of pickleball.

Nathan’s favorite quote speaks to his innovation in leadership: “Do not go where the path may lead, go instead where there is no path and leave a trail.” – Ralph Waldo Emerson

What our clients say about us

“ZMC’s Outsourced CFO Services has really improved my business.”

ZMC & Associates LLC has been such a great assistance in growing my business. They have not only assisted me with accounting services but has offered business consultation on how to boost productivity and profit for my business. Before consulting with ZMC & Associates LLC, I had little knowledge on payroll, bookkeeping and business taxes. ZMC & Associates LLC assisted me in every step of the way in setting up payroll and bookkeeping for my business. The staff maintains the highest degree of integrity and professionalism when serving you. I highly recommend ZMC & Associates LLC to any business owner seeking a reputable business with a personalized approach to helping their clients maintain business profitability and to stay in compliance.

Unified Counseling, Snellville, GA

"Zephrina have displayed professionalism, integrity and honesty as core values for her business."

Zephrina has been my tax accountant the past several years and I can confidently say that Zephrina have displayed professionalism, integrity and honesty as core values for her business. She is very knowledgeable on all tax concepts and always on top of current accounting changes She goes above and beyond to ensure satisfaction and I have always been 100% assured of such satisfaction. Not only does she put her clients best interest at heart but also displayed outstanding business ethics. I have developed total trust in her business and remained confident that she will continue to do a good job with my finances. Without any reservation, I highly recommend Zephrina.

Carrol Steele-Smith, Jonesboro GA

"We strongly recommend ZMC to individuals and groups who would like to utilize her services. "

DACA was having a difficult time finding someone who was willing to assist us with registering our group as a nonprofit. Finally someone referred us to ZMC & Associates LLC. In a very short time Mrs. Cazaubon convened a meeting with our executive. She presented a very detailed account of the procedures and the requirements for applying for 501 status. She discharged her duties professionally, was very organized and efficient and kept us abreast of the process. She gave us a time frame as to when we would receive our tax exempt status. She was on target. Mrs. Cazaubon is a very pleasant, trustworthy and outgoing individual. DACA is pleased with her performance. We will continue to engage ZMC to assist us with our tax and accounting issues. We strongly recommend ZMC to individuals and groups who would like to utilize her services. 

Dominica Lilburn Cultural Association, Redan, GA

"Mrs. Cazaubon has gone beyond her duties as a CPA to assist me with any other issues that I had..."

Zephrina Cazaubon from ZMC & Associates LLC, being a Certified Professional Accountant (CPA), provided valuable and more precise information than the previous person who prepared my taxes who was a Tax Preparer. Mrs. Cazaubon returned phone calls and email correspondences promptly, accurately calculated my taxes, advised on the best tax return method for each customer?s unique situation, and graciously applied a discount to my invoice as a new customer. Circumstances had occurred wherein I had to amend my taxes that Mrs. Cazaubon had prepared, and she did not hesitate to provide the amendment rapidly. Mrs. Cazaubon has gone beyond her duties as a CPA to assist me with any other issues that I had, because of her innate kindheartedness. I sincerely appreciate her professionalism and willingness to assist where applicable. 

Nadine C., GA

"None have even come close to the professional work I have received from Mrs. Cazaubon."

Zephrina has been preparing my taxes for 6 years now and she is awesome. She has helped me save time and money on taxes. Tax laws are complex and ever changing. She takes time to study these changes and then follows up with me about how they apply to my business needs. I have had numerous other accountants in the past. None have even come close to the professional work I have received from Mrs. Cazaubon. She returns my calls promptly, is extremely fair and thorough, and charges a reasonable rate for her services. I have recommended my co-workers to her and they too love her. She is honest, affordable, and very professional. You can't go wrong with Zephrina and her customized services. I am very thankful to have her in my corner! 

Sharifa L., GA

"I like the idea of keeping the client informed of everything that is going on by giving status updates. "

Before finding ZMC I was being ripped off. The Accountant that I was going through was over charging for services. My experience here with ZMC has been most pleasant, the prices for services are comparable to any tax service company and the service that I have received is pleasant and most professional, I like the idea of keeping the client informed of everything that is going on by giving status updates. 

Cheryl P., GA

"Zephrina's ability to provide financial counseling focused on our exact concerns makes her stand out."

Zephrina is a unique accountant. She is well versed in accounting and demonstrates a high level of dedication to her clients. Since we became her clients, she has made sure that all our concerns are always addressed in a timely manner. Her ability to provide financial counseling focused on our exact concerns makes her stand out. She has provided financial advise for our business and personal taxes that have benefited us greatly! 

Diverse Therapy, Inc, GA

"The best part is I never have to step foot into an office or fill out any tedious forms."

I have been using ZMC Accounting for their tax services for several years. The process is always quick and convenient and I am always happy with the end result. The best part is I never have to step foot into an office or fill out any tedious forms. I even received assistance with my annual FAFSA form I needed to file out while in college. When I receive exceptional service I am usually a customer for life. I also will refer my family and friends. I love to rave about ZMC Accounting especially during tax season when people are frantically gathering their tax documents and dreading the tax return process. For me it's a quick and simple process from the time I submit my documents to the time I get my money directly deposited in my account. 

Moricia Sylvester, NY