Meet Our Team

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Meet Our Team


Multop Financial ServicesAt Multop Financial, we take your financial planning process very seriously. Our firm is comprised of Tax Specialists, CPA's and Financial Advisors working together to craft powerful solutions for each client. We respond to your unique financial concerns, addressing them with customized financial and tax planning techniques and solutions. We have the knowledge and skills necessary to objectively assess your financial status, identify problem areas and recommend appropriate actions – in short, we provide personal, client-based financial planning. We can recognize when you have needs for the special skills of other professionals--such as insurance providers and attorneys--and we coordinate a team of consultants, all of them ready to work toward your financial goals and objectives.

The Multop Financial Team

Phillip E. Multop - Founder & Sr. Executive Planner *

Phillip E. Multop - Founder & Senior PlannerCertified Public Accountant - CPA
CERTIFIED FINANCIAL PLANNER™ practitioner - CFP®
Masters Degree in Taxation from Golden Gate University
Enrolled Agent (licensed to practice before the IRS)
Business Degree in Accounting & Economics from WWU

Phil Multop is the founder and president of Multop Financial, which has a team of investment advisors providing full brokerage and CPA services to its clients, with a specialty in tax planning for business owners and retirees. He started the company in 1976 with only a handful of tax clients, and has grown the firm into one of Whatcom County's premier investment and tax management firms. 

Phil's understanding of high-level tax law allows him to go beyond the basics and use revenue codes and rulings to better serve his clients' financial goals. 

Phil Multop and son.Phil was born in Houston, Texas and raised in South Lyon, Michigan. He settled in Whatcom County in 1972 after serving four years of active duty in the Air Force. As he built his business, Phil simultaneously served 20 years in the Air National Guard Combat Communication Squadron, retiring as a Master Sergeant in 1991. He has served on numerous boards and councils within the community and is the proud father of five sons and six grandchildren. Phil enjoys vacationing in sunny weather with his family and golfing in any weather with friends.

Contact Phil when you have a question about the strategy of your tax or financial plan with our Contact Form.

* Phil Multop is a registered representative of Cetera Advisors LLC, member FINRA/SIPC.


Melanie Multop- Administrative & Marketing Director

Melanie Multop- Events & Amenities DirectorMelanie has held the position of Administrative & Marketing Director for Multop Financial since 1991, but in recent years has turned day-to-day administration over to the firm's Front Office Coordinator in order to focus on client relations, practice management and brand strategies for the firm. She is also an active member of the Board of Directors of the Whatcom Museum and serves on the Economic Development Council as part of the Communications & Member Relations Team.  Melanie also serves on the Board of the Cordata Land Owners Association.

Melanie's experience in business and marketing has spanned 20 years, beginning with an internship at Caterpillar, Inc., in Vancouver, B.C. which evolved into a permanent position as Advertising Coordinator for this large company of over 3,000 employees and 15 branch offices throughout British Columbia.

While attending school, Melanie worked as an event planner and design coordinator for a wedding shop in Vancouver, which spurred her passion for party planning and the finer things in life!

Phil and Melanie enjoy working together to develop the growth and future of Multop Financial, and away from the office, they especially look forward to vacations and activities with their two sons, Matthew and Austin.

To coordinate marketing efforts or to set up an event with Multop Financial, contact Melanie with our Contact Form.


Tyler Ryan - Executive Director of Financial Services *

Tyler Ryan - Executive Director of Financial ServicesIn 2004, Tyler received his Bachelors in Finance and Economics from WWU and obtained his securities registrations and insurance licenses.  Since then, he has worked as Executive Director of Financial Services at Multop Financial. Tyler collaborates with the executive team to coordinate new services, enhances current investment strategies and creates solutions for clients who face unique situations.

Currently, Tyler serves a variety of community organizations, including the Western States Petroleum Association (WSPA), the Whatcom County Chamber of Commerce, the Chelsey Ebert Trust, and the Hospitality team at Cornwall Church.  He has served in the past as Coordinator for the Whatcom County Advisory Board to Former Attorney General Rob McKenna, Finance Committee member at Bellingham Golf & Country Club, and the Membership Committee Chairman for the Bellingham Angel Group.

On a personal note, Tyler enjoys spending most of his spare time with his wife, Aretha and their young daughter, Camille. In addition, he is an avid sports fisherman and golfer.

Contact Tyler if you are a new client inquiring about services or if you are an existing client facing unique situations and would like to utilize more of what we offer with our Contact Form. Phone: (360) 671-7891 e-mail: tyler@multop.com.

* Tyler Ryan is a registered representative of Cetera Advisors LLC, member FINRA/SIPC.


Aretha Allen - Financial Services Manager *

Aretha Allen - Financial Services ManagerAretha graduated from WWU with a degree in Finance & Economics. She immediately began her career at Multop Financial while also earning her insurance licenses and securities registrations. Once she was licensed and registered, it was evident that her natural curiosity for financial services and inclination for detail-oriented work make her a perfect client service manager in Multop Financial’s investment department.

Aretha handles the day-to-day service for over 400 investment accounts and works closely with Phil Multop to implement high-level portfolio management plans for business owners and retirees. In her spare time Aretha enjoys motherhood, spending quality time with her one year old daughter Camille, who is already a very active and curious child.

Aretha is a member of Phi Theta Kappa International Honor Society and the American Business Women's Association. She enjoys entertaining,                                                         traveling and attending economic forums for professional advancement.

Contact Aretha when you need service on an existing investment account using our Contact Form.

* Aretha Allen is a registered representative of Cetera Advisors LLC, member FINRA/SIPC.


Ted Newman - Financial Advisor *

Ted Newman - Financial AdvisorTed Newman has been serving the Pacific Northwest as a financial advisor since 1997. After receiving his degree in Finance & Marketing from University of Washington, Ted obtained his securities registrations; Series 6, 63, 7 and 65 as well as licenses for Life & Disability insurance. Ted specializes in retirement money management.

Ted is part of the Advisory Team at Multop Financial, working alongside Phil, Tyler and Aretha to bring durable portfolio solutions to our clients. Ted serves as our on-site 401(k) leader, assisting business clients with employee programs and benefits.

Although born and raised in Seattle, Ted and his wife Susan moved to Bellingham in 1989. His love for NASCAR events, specifically the Daytona 500 Speed Week, takes Ted to Florida and other sunny vacation spots whenever time permits. His regular hobbies include skiing, golf and running.

For a complimentary consultation or for a review of your companies 401(k) plan, please Contact Ted.

* Ted Newman is a registered representative of Cetera Advisors LLC, member FINRA/SIPC.


Michael Lamoreux, CPA - Tax & Accounting Manager

Michael Lamoreux, CPA - Tax & Accounting ManagerMichael Lamoreux joins Multop Financial after 25 years of experience working in the capacity of CFO, Controller and Manager for several local companies in the Pacific Northwest, including two specialized CPA firms.  Michael is a CPA with a Master’s Degree in Taxation.  He received his accounting degree from the College of Business and Economics at WWU in 1987 and his Masters Degree from Golden Gate University in 2002.  He has proceeded to enhance his education, credentials and level of experience in the fields of tax and accounting ever since. 
Michael will serve our clientele of individual tax and business accounting clients as the manager of the Tax Accounting department here at Multop Financial.   With Michael’s management skills, we have the ability to expand the services offered through our accounting department and we look forward to bringing the benefits of yet another level of expertise to our clients, their businesses and their families.   Along with Phil Multop, the entire team at Multop Financial looks forward to having Michael on-board                                                         as a leader in the firm’s future.

As former Whatcom County residents, Michael and his wife, Ginger, are pleased to be back in Bellingham’s beautiful surroundings, where they can participate in hobbies such as gardening, bird-watching, writing music, boating and enjoying their home on the lake.

If you are a current client who would like some additional tax consulting or if you are a business owner looking to work with our firm, contact Michael with our Contact Form.

Don Ruhl- CPA, MBA, MPA – Tax Advisor

Don Ruhl - CPA
Don comes to Multop Financial with an extensive background in technical tax work that he has developed over the past 48 years. Don received a Master's Degree in Business Administration of Taxation in 1976 and a Master’s Degree of Public Administration in 1978, both from Golden Gate University. His experience includes positions as a seasonal Tax Manager at Deloitte & Touche, National Tax Director at Kaiser Permanente as well as tax and finance positions within other privately held businesses. Don also owned his own CPA & tax practice in California.

Don brings a clear understanding of individual and business tax issues to our clients as he works alongside Phil and Michael during tax season. His experience as an IRS Revenue Agent is a great asset when it comes to knowing the ins and outs of IRS compliance and filing. Don's professional, organized and pleasant demeanor is welcomed at Multop Financial and we are excited to have him as part of our team.

If you are a current client who would like some additional tax consulting contact Don with our Contact Form.


Lauryn Peugh - Client Service Assistant *

Lauryn Peugh - Planning AssistantLauryn graduated from Central Washington University with a Bachelors of Science in Business Administration with an emphasis in Finance. Lauryn comes to Multop Financial with a background in sales, marketing and customer service. She works closely with Aretha and Ted in the client service department while also acting as the point-of contact-person with our broker/dealer Cetera Advisors LLC. Recently, she received her Washington State Life and Disability Insurance License.

Lauryn is newly engaged, so needless to say, she spends her free time planning the upcoming wedding. Whenever they have a free moment, Lauryn and her fiancé, Kyle, love to explore the Pacific Northwest with their dog, Texas.

Please contact Lauryn using our Contact Form.


* Lauryn Peugh is a registered representative of Cetera Advisors LLC, member FINRA/SIPC.

Lettie Vigoren – Marketing Assistant *

Lettie Walker Marketing AssistantLettie received her Bachelors of Science in Business Administration with a Management Concentration from WWU in June 2012. Her background in sales and customer service made her an ideal fit at Multop Financial. Thanks to her interpersonal skills, attention to detail, strong work ethic and upbeat personality, Lettie has quickly become a part of the team.

Since graduating college, Lettie has pursued many new hobbies. She has taken up golf at the Bellingham Golf & Country Club and recently started violin lessons. She also enjoys traveling. In September 2013, she backpacked through Italy, falling in love with the history, art and culture (especially the food) of Italy. Lettie also enjoys baking sweets, although she doesn’t enjoy eating them as much as creating them.

For any general office need, or to schedule an appointment with Tyler Ryan, please contact Lettie using our Contact Form.


Danielle Thomas - Front Office Coordinator

Danielle - ReceptionistDanielle is a dedicated employee with a passion for helping others. She has worked in the sales and service industry for over five years after graduating from Ferndale High School in 2009. After graduation, Danielle became strongly involved in Lions Camp Horizon Park, a summer program that provides a camping experience to those with special needs. She has held committee positions for the North Whatcom County Relay for Life in 2011 and 2012.

Danielle enjoys hiking the trails of the beautiful Pacific Northwest, snowboarding up on Mount Baker, spending quality time with her family and on the off chance that she can find time, enjoys painting with acrylics.

For information about our firm or to schedule an initial consultation with one of our CPA's or financial planners, please contact our office using our Contact Form.


Oxana Khizhnyak - Accounting Assistant

Oxana Khizhnyak Accounting Assistant

Oxana graduated from BTC with an AA Degree in Accounting. She came highly recommended to our firm and has certainly lived up to her reputation. Oxana provides full-time executive support to Phil and Michael in the accounting and bookkeeping departments.

Oxana was born and raised in Siberia.  She moved to Whatcom County at age 15. In her free time, Oxana enjoys spending time with her husband, scrapbooking, card making and cooking. She also volunteers at her church, teaching children how to speak Russian.

To contact Oxana, please use our Contact Form.