At Multop Financial, we take your financial strategies process very seriously. Our firm is comprised of Tax Specialists, CPA’s and Financial Advisors working together to craft powerful strategies 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 through LPL Financial. 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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President
Matthew Bumstead *

From the time I was a teenager I knew teaching and training would be a big part of my life. While serving a 2 year church mission in southern Germany, my main assignment was training other young missionaries how to teach and speak the language. Most missionaries train 1 time throughout their missions and I had the privilege of training 5 individuals, each of which I trained for a few months. Since that time my teaching opportunities have been vast…
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Executive Portfolio Manager
Daniel Perrino *

As a graduate of Fordham University’s Gabelli School of Business, Dan has taken his education in Finance and Business Administration into the investment advisory industry with five years of client service.  He continued his finance and economics education with FINRA registrations (Series 7 and Series 66, held with LPL Financial) as well as insurance licensing that allows him to provide well-rounded advice and service to clients of Multop Financial and Clarity Capital.
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Tax Advisor
Patricia Clarenbach

Patty is a licensed Enrolled Agent which gives her a tax specialty with the ability to represent her clients before the IRS. With several years of individual tax preparation experience, she also has background with business tax preparation and setup.
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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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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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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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Bookkeeping/Accounting
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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Officer of Operations and Clients Services
Kristi Huizenga *

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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Marketing and Client Relations Specialist
Joni Anderson

With vast experience in project management within the refinery and construction industries, Joni brings a wealth of talent and skill to the business development of Multop Financial, specifically as it relates to coordinating Clarity Capital’s team of advisors into the firm.
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Front Office Coordinator
Hillary Peterson

Hillary joins Multop Financial as the Front Office Coordinator, and looks forward to getting to know our clients during the busy tax season and throughout the year.
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