About us
At Z & L Financial Tax Service, our mission is to empower individuals, families, and businesses with the knowledge, tools, and services they need to achieve financial confidence.
I’m Latrice Howard, the founder of Z & L Financial Tax Service. My inspiration for starting this business came from my own journey. I saw firsthand how overwhelming taxes, credit issues, and financial planning can feel without the right guidance. I wanted to create a space where clients don’t just “get their taxes done,” but also gain understanding, education, and long-term support.
The name Z & L carries personal meaning it reflects family, legacy, and the belief that financial success should be accessible to everyone. Every client we serve is treated like family, because building trust and lasting relationships is at the heart of what we do.
Through tax preparation, credit repair, bookkeeping, mentorship, and professional training, we go beyond the numbers. Our goal is to not only maximize your refund, but also maximize your potential helping you build a stronger financial future.
Our philosophy
Our unique approach combines:
At Z & L Financial Tax Service, we believe financial success goes beyond simply filing a tax return—it’s about empowering clients with knowledge, strategies, and year-round support.
• Education First – We don’t just prepare taxes; we explain the process and help clients understand how today’s decisions impact tomorrow’s outcomes.
• Holistic Financial Support – From taxes and bookkeeping to credit repair, tradelines, and mentorship, we provide a full circle of services designed to strengthen your financial foundation.
• Year-Round Partnership – Unlike seasonal firms, we remain available throughout the year to guide clients through life changes, business growth, and evolving tax laws.
• Client-Centered Care – Every client is treated with professionalism, integrity, and personalized attention—because no two financial situations are the same.
• Growth-Oriented Mindset – Whether it’s helping families maximize savings or mentoring new tax professionals, our focus is always on long-term success and financial confidence.
Our philosophy is simple: We don’t just prepare taxes we prepare people for financial stability, growth, and opportunity.
Overcoming challenges
Like many growing businesses, Z & L Financial Tax Service has faced challenges that shaped who we are today and how we serve our clients.
1. Breaking Through Industry Trust Barriers
Many clients come to us after negative experiences with tax chains or unqualified preparers. Building trust required us to set a higher standard offering accuracy, transparency, and education with every return. Today, that commitment to integrity is a core value of our brand.
2. Serving Credit-Challenged Clients
We saw firsthand how poor credit limited opportunities for individuals and families. Instead of stopping at tax preparation, we expanded into credit repair and tradeline services, ensuring clients had access to tools that strengthen their overall financial well-being.
3. Adapting to Constant Tax Law Changes
Tax laws are always evolving, and staying ahead is critical. By prioritizing continuous training and mentorship, we not only equip our team to adapt but also use those lessons to educate our clients turning confusion into clarity.
4. Growing Beyond Seasonal Work
At first, clients only saw us as a “tax season” solution. Over time, we built out year-round services from bookkeeping and amended returns to business support and mentorship so that clients know we’re a partner they can rely on any day of the year.
These challenges shaped our values of integrity, education, adaptability, and long-term partnership. At Z & L, every obstacle we’ve overcome has strengthened our mission: to deliver not just services, but solutions that create financial confidence and growth.
Our goal for the future
In the next year, Z & L Financial Tax Service aims to become the go-to financial resource not only during tax season, but year-round.
By expanding our training programs, credit solutions, and small business support, we’ll empower more local families and entrepreneurs to take control of their financial futures. This goal isn’t just about growth for us it’s about building financial confidence, creating opportunities, and strengthening the community we proudly serve inLiorth Carolina.
