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 team member

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 

Gail Woronick

Chief Operating Officer

Gail Woronick serves as the Chief Operating Officer of ZMC & Associates, providing its partner JMR Financial Group with strategic and operational expertise.  She works to help both organizations leverage technology, upskill staff and maintain a culture of accountability – all to further the leadership team’s high standards of quality and excellence for its valued clients. She has over 20 years of experience helping firms optimize people, processes and systems.  

Gail attended Rutgers University as undergraduate majoring in business management, and since obtained an MBA from the same reputable organization. Prior to working for ZMC & Associates, Gail implemented business operating systems for many organizations – from startups to firms with $40mm in revenue – supporting their efforts to level-up and attain growth and success.   

Gail lives in Los Angeles, CA with her husband Walter and her adorable Doberman Sasha. When she is not working, she enjoys international travel, high-quality cuisine, and cardio kickboxing. 

Gail’s zest for continued personal and professional growth is summarized by the paraphrasing of some of Angela Duckworth’s core philosophies: “You must get used to living in the uncomfortable zone, continually trying new activities, reading and learning daily, and asking for help – while feeling the hurt of having some losses and failures along the way. It’s the journey that successful people have learned to enjoy.” 

What our clients say about us

Want to have a 30-minute strategy session?