At 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.

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

Phil 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…
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Randy J. Troupe

Randy is a Certified Public Accountant and principal owner of Central Tax & Accounting Service for over 35 years. He rejoins his friend and colleague, Phil Multop – a previous business partner when the two were beginning their careers over four decades ago. Randy attributes Phil’s management abilities and financial acumen to the initial success and growth of Central Tax.
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Financial Services Manager
Aretha Allen*

Aretha graduated from Western Washington University with a Bachelor’s in Finance and Economics and has a passion for investment management. She immediately began her career at Multop Financial while also earning her insurance licenses and securities registrations. Her dedication for financial planning and inclination for detail-oriented work make her a perfect financial services manager in Multop Financial’s investment….
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CPA, CGMA, Account Manager
Michael Lamoreux

Michael joins Multop Financial as a Certified Public Accountant with 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. He received his Bachelor’s in Accounting from Western Washington University in 1987 and his Master’s Degree in Taxation from Golden Gate University in 2002…
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LPL Financial Advisor
Ted Newman*

Ted has been serving the Pacific Northwest as a financial advisor since 1997. After receiving his degree in Finance and Marketing from the University of Washington, Ted obtained his securities registrations; Series 6, 63, 7 and 65 as well as licenses for Life & Disability insurance while specializing in retirement money management. Ted is part of the Advisory Team here at Multop Financial…..
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Don Ruhl

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 and…
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QuickBooks ProAdvisor; Bookkeeping/Accounting
Lisa Imel

Lisa joins Multop Financial as a Certified QuickBooks ProAdvisor with over 19 years of bookkeeping experience. Her prior work with CPA firms has given her experience with clients in many different industries. Lisa became a ProAdvisor in 2009 and enjoys learning and sharing all the new tips and tricks that QuickBooks has to offer each year. Lisa works with Michael to perform bookkeeping and payroll…
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Bonnie Korthuis

Bonnie is excited to join Multop Financial as part of the merger with Central Tax & Accounting. Bonnie’s extensive experience managing Central Tax, specifically their business bookkeeping and accounting department, has gained the confidence of the hundreds of clients she has served over the years.
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Front Office Coordinator
Kristi Huizinga

Kristi has a decade of office administration experience in the service industry. Her dedication to building strong client relationships makes her a valuable member of the Multop team. Originally from Whatcom County, Kristi spent a number of years living in Ireland after graduation
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