Zena Boyko
Zena has over three decades of experience in bookkeeping, accounting and payroll for individuals, businesses and organizations. She works in English, Russian and Ukrainian, and most new clients arrive by referral from existing ones. She knows the local sales tax rates across Whatcom County and Washington and stays current with Department of Revenue changes, so filings are right the first time.
As referrals grew, so did the practice. Zena is still involved in the bookkeeping day to day and remains your main point of contact, and she has built a team of experienced bookkeepers she trained herself. That means we can take on clients of any size while keeping the same care with the details.
We also know you have a business to run. The service is designed to be as hands-off for you as possible: we keep the books moving and reach out only when we need something from you or there's something you should know.
Email Zena directly: zena@spektrafinance.com

- Over three decadesof bookkeeping and accounting experience
- Three languagesEnglish, Russian and UkrainianРусскийУкраїнська
- Ferndale, WAWhatcom County in person · all of Washington remotely

What working with us is like
Current, not catching up
Books are reconciled every month, so the numbers are always recent enough to act on.
Zena stays involved
Zena Boyko is your main point of contact and works on the books day to day, with a trained team behind her.
Plain language
We explain what the statements say without jargon.
Hands-off for you
You run your business; we run the books. We reach out only when we need something or there's something you should know.
Payroll and sales tax done right
Pay runs, payroll tax filings, year-end forms and Washington sales tax, on schedule and at the right local rates, current with Department of Revenue changes.
A flat fee you know in advance
Pricing is quoted after a short conversation about your books. No hourly surprises.
A team sized for any client
Experienced bookkeepers Zena has trained herself, so we can take on a business of any size without losing the details.
Ferndale, Whatcom County, and all of Washington
In person locally; remotely anywhere in the state.
- Contractors
- Restaurants
- Nonprofits
- Artists
- Health care
- Child care
- Nursing homes
- Associations
- Public utilities