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 & 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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Tyler Ryan

Tyler received his Bachelor’s Degree in Finance & Economics from Western Washington University. Now with over a decade of industry experience, Tyler continues to support the executive advisors at Multop Financial with current trend research, imperative to the firm’s tailor-made services geared to the niche markets of our community. Tyler’s tenure at the firm provides insight into the business development programs, educational events and on-going services offered by our advisory team…
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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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Melanie Multop

Melanie supports the management and marketing teams of the firm as needed, lending her 20 years of experience to special projects and unique client situations as they arise. Since 1992, Melanie has worked along side Phil to build the business into one of Whatcom County’s premier advisory firms with clients abiding all over the globe. Melanie played an integral role in the design and construction of…
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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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CPA, CGMA
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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CPA, MBA, MPA
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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Lauryn Vogt*

Lauryn graduated from Central Washington University with a Bachelor’s 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…
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Lettie Vigoren

Lettie received her Bachelor’s degree in Business Management from Western Washington University. Her background in sales and customer service made her an ideal fit at Multop Financial. She works closely with Executive Director, Tyler Ryan and the financial planning team to plan events and coordinate our firm’s calendar. Due to her interpersonal skills, attention to detail, strong work ethic and…
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Katelyn Lancaster

Katelyn has worked in administrative and management roles within the service industry for over four years since graduating from Lynden High School in 2011. She is a dedicated employee with a passion for helping others. With her background in customer service, management and strong interpersonal skills, she has quickly become an integral member of the team at Multop Financial….
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Lisa Imel

Lisa joins Multop Financial as a Certified QuickBooks ProAdvisor with over 16 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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