Welcome to Z² Small Business Solutions!

I have extensive business experience in many areas of finance and accounting. For over 25 years I have built my experience with 15 years in the financial services, 10 years in small business, manufacturing and audit. I am a results-oriented self-starter with a record of sound business judgment. My leadership strengths include creative problem-solving and excellent communication skills.

Cathy Zemmels

Printable Resume

  • General Ledger
  • Budgeting and Forecasting
  • Financial Reporting
  • Sales and Use Tax
  • Staff Accountant
  • Account Reconciliation
  • Accounts Payable
  • 1099s

  • QuickBooks 2005-2021
  • FreshBooks
  • Microsoft Office Suite
  • Peachtree/Sage50

University of California
Bachelor of Science in Business Administration


Over the years, I have worn many hats. Below is partial list of key services I provide for my clients, along with special projects as necessary.
  • Conduct monthly partner meetings including going over projected cash flow needs.  Set-up, prepare and conduct year-end board meetings.
  • Assisted client with the acquisition of three companies including setting up ‘memorized’ customer invoicing in QuickBooks, payroll, vendor and accounts receivable aging clean-up post-merger. 
  • Conducted a top to bottom review of corporate financials and accounting procedures.  Cleaned up accounting records and created accounting processes that the owner could manage on their own.  This client used Peachtree.
  • Helped client set-up remote desktop deposit, online banking ids and vendor payments through Northeast Bank.
  • Sales tax compliance
  • Performed numerous account reconciliations
  • Processed and sent out 1099s
  • Upgraded client from QuickBooks 2005 to QuickBooks Pro 2012.  Performed numerous account reconciliations. Created company projected cash flow and profitability reports.
  • Upgraded clients to QuickBooks Pro from QuickBooks 2005. Created job tracking to measure profitability in QuickBooks.  
  • Set-up automated company financials in QuickBooks for Macintosh.
I've been fortunate enough over the years to develop my skills in a broad range of company environments. Included in the list of industries I've worked in are companies working in custom computer software development, website design, internet service provider, banking, regulatory, counseling services, large corporate event management, music industry management, nonprofits, venture capital, holistic massage, online gaming, food industry, retail and law firms.


IRS VITA Tax Preparer December 2010, 2012-2021