About us

About Z2 Group Accountants

Working with you...

We do all things accountancy while you run your business. We work with you, not for you and we ensure that you and your business are fully compliant as well as guiding you every step to ensure you create, grow and maintain a successful, profitable and reputable business.

Our passion is seeing you succeed beyond your goals and with over 20 years of public practice with local small to medium sized businesses we pride ourselves on knowing all our clients and being able to provide frequent, innovative, practical and relevant advice to order to ensure you have all the tools to build a robust business

We as a team are always available, easy to contact, approachable and love seeing our clients face to face for regular meetings, be that at our office, your office or home or even better over a good lunch out somewhere. You can always count on your concerns or queries being answered. Communication with our clients is our key value along with transparency and reliability

Meet your team

Charlotte Zacharia

Charlotte Zacharia FCCA

Managing Director

Charlotte is an ACCA Chartered Certified Accountant with over 15 years’ experience working in practice for small to medium sized businesses in all industries. Having studied Accountancy and Finance with Statistics at Middlesex University and gaining a First Class degree, Charlotte choose to continue her higher education and gain her Chartered Certified status with ACCA whilst working as an accountant.

Having now run her own business for 5 years as well as having her technical knowledge and keen eye for statistics, Charlotte now spends the majority of her working life undertaking business growth and development work with her clients. Tax planning and business analysis is where Charlotte comes to light!

Over the last 2 years, Research and Development has played a major role in Charlottes skill set and she has managed to secure over £4.5 million in Research and Development tax credits for our clients in that time.

Out of the office, Charlotte enjoys nothing more than entertaining friends and family whenever she can. She lives with her husband and 2 Children in Hertfordshire but long weekends away with them in the UK or holidaying in Europe are what Charlotte loves to do in her spare time.

David Goodrum ACCA


David is an ACCA Chartered Certified Accountant with over 10 years’ experience working alongside British and international clients. Following his degree in accountancy at Southampton Solent University, David has worked on a wide range of projects, picking up skills in internal and external auditing, and has extensive experience with accounting and financial consulting.

His keen eye for detail and people-first approach has always been a strong attribute, fine-tuned during his time in Southampton where he worked as a cocktail and flair bartender at some of the city’s go-to social hubs alongside his studies. Fortunate to travel across the globe for work and pleasure, David is a worldly-traveller, with frequent trips to his favourite places such as Rome, New York and The Bahamas – where he’ll be eager to bring along his young family for more relaxed vacations.

A vast knowledge of clients’ property portfolios and financial management of limited companies, David has a proven track-record in providing quality advice to each one of his clients. Whether it’s on the golf course, at the gym or in the office, David will make sure that the client is happy, so if you need any sound financial advice, give him a call – if you catch him on a good day, he may be able to knock up a mean cocktail!

David Goodrum
Kirsty Whiteford

Kirsty Whiteford


Kirsty went from A levels straight into a small accountancy practice in St Albans, where she worked for 16 years working her way up from Junior accountant to Senior Auditor, she studied for her ACCA exams in the evenings and at weekend school and part qualified. Working on a variety of clients from sole traders to Limited companies, groups and charities she covered all aspects of bookkeeping, VAT returns, corporation tax, audit of small to medium sized businesses.

In a change of career Kirsty then worked for a learned Royal Charter Society for 13 years, starting as Senior administrator and being promoted to Registrar in the last few years. She covered all the charity admin, meeting admin, conference organization, subscription database admin and kept the bookkeeping functions and accounts preparation up to date and running smoothly.

Having come back to the profession that she loves, Kirsty loves a challenge and working out problems, she is very organized and proactive in bookkeeping and accounts production.

In her spare time, pre pandemic, Kirsty enjoys going to the theatre and seeing live shows, and has been dragged to many music concerts by her teenage daughters. In the new reality Netflix or a good book with a cup of tea are Kirsty’s go to to wind down after a long day of figures.

Jennie Griffiths ACMA

Management Accountant

Jennie is an ACMA Chartered Management Accountant with experience of both internal finance functions for large retail companies as well as 10 years’ experience in accountancy practice. After studying at Warwick University and gaining a First Class degree in International Business with French, Jennie studied for CIMA as part of a graduate scheme with a large supermarket chain, and then went on to gain experience in a number of retail businesses supporting a variety of operational functions.

More recently, Jennie has worked for a local accountancy practice supporting small and medium enterprises, where she has enjoyed getting to know the clients’ and their businesses. With strong organisational skills and a keen eye-for detail, Jennie enjoys preparing accounts and management accounts for clients and always wants to help clients achieve their goals and understand what the figures really mean.

Away from work, Jennie enjoys all things food-related, trying new recipes on her family and friends, going to watch live comedy and absorbing never ending football facts from her two teenage sons. A keen linguist, Jennie also enjoys learning new languages and so is often found on Duo-Lingo with a glass of wine in her hand!

Jennie Griffiths management accountant in Hertfordshire
Chris Walker accountant in Hertfordshire

Chris Walker


Christopher has a BA (Hons) in Accounting & Finance from London Metropolitan University and has over 6 years' experience in practice. Working in a variety of departments covering Payroll, Bookkeeping, VAT returns, Personal Tax, Managements accounts and Year End statutory Accounts. He prides himself on being a Xero and Excel whizz! Giving himself a title of being a "Xero Guru".

Now looking to use his analytical skills to further develop himself and tackle challenges. His current aim is to study towards ACCA in order to become a Chartered Certified Accountant with a couple of years. His other aim is to see how fast he can cycle into work!

Out of the office Chris enjoys spending time with his family, going to festivals, trying new restaurants, and walking his dog. He Loves a good night out with his friends to have a pint, and going LARP'ing (Live action role playing)

Hannah Jones

Trainee Accountant

Hannah has recently graduated from University with a BSc in Mathematics. Hannahs love of numbers and puzzle solving since she was a small child has always seen her want to become an accountant. Hannah is currently studying and completing exams with ACCA, in order to become a Chartered Certified Accountant, with the aim of achieving this within 3 years.

Hannah has lived locally in Wheathampstead since her family moved back to the area in 2004, after living in Singapore and Hong Kong. Now living 1 minute away from the Z² office, Hannah doesn’t have the long commute to work that she previously anticipated.

Alongside both her studies and work at Z², Hannah loves looking after children. She is a nanny to 3 young boys in Harpenden and can’t wait to start a family of her own further down the line. During her final year of University, Hannah lived as an Au Pair with a family of 5, looking after and caring for 3 young children. While both parents, NHS doctors, were working long shifts during the peak of COVID, Hannah helped to raise the children while balancing her university lectures and studies for her Maths finals; one of her greatest and most rewarding accomplishments.

Outside of the office, Hannah loves to play the piano, tennis and watch football. She loves to visit Escape Rooms, spend time with her family, and spend evenings with her friends having a G&T, or 2!

Hannha Jones Trainee Accountant
Clair Spitzer

Clare Spitzer

Practice Manager

Clare has a BA (Hons) in Leisure Management from Wolverhampton University and worked for the University of Westminster as an Assessment Officer. She also worked with the Hertfordshire International College in the student finance department prior to becoming a member of the Z Squared team.

Her skillset has led her to undertake the administration and payroll functionality within Z Squared and is furthering her development and education whilst working by completing diplomas in both bookkeeping and payroll. Clare has a deep understanding of what is required from clients and is more than happy to converse with clients regarding their needs.

When away from the office Clare pairs a decent glass of wine with an equally matched book and attends monthly book club meetings. At the age of 16 Clare received a Blue Peter badge for appearing on the show for her local library.

Denise Terzi

Payroll Manager

Denise started in payroll after attending the University of Sheffield working for a large national construction company. In those days it was a manual system (So long ago). Denise has seen payroll and the process change dramatically since her days there to where we are now.

Over Denise’s career she has covered all aspects of bookkeeping, VAT returns, Management Accounts and running various departments or businesses. Being now in Practice has allowed Denise to go back to her first love, payroll.

Denise is a member of AAT, but has been a member of CIPP, and would love one day to finish a degree in Payroll Management.

When Denise is not in the office she enjoys the theatre, good food and wine, travelling especially sightseeing holidays - She is not very good at lying on a beach. Books and walking with the dogs.

Denise Terzi Payroll manager

The Z2 Onboarding Process

We do it all, so you don’t have too!

01. Initial Meeting

Our first chance to get to know each other and discuss your needs and how we can fit into the equation.

We will draft a proposal based on these needs and send this to you for approval.

02. Acceptance

We will contact your existing accountant for professional handover of documentation.

03. Software Migration

We undertake the migration from your current system into ours or receive access to continue with your subscriptions.

We can request access to any cloud-based software you use.

04. Authorities

We liaise with HMRC and Companies House granting us authority and allowing us to speak with them on your behalf.

05. Going Forward Meeting

Another chance to sit down and discuss the logistics and practicalities of working with each other.

Get in touch for a free consultation

Contact us to discuss how we can help your business thrive.
Changing accountants is easier than you think... We take care of everything for you