Financial Advisors, Accountants, Income Tax Specialists.

Multop Financial – helping you navigate your journey towards a sound financial future.

Certified Public Accountant – CPA
Master's Degree in Taxation from Golden Gate University
Enrolled Agent
Business Degree in Accounting & Economics from Western Washington University
Certified Financial Planner™ 1998 - 2019

Phil is the founder and senior executive of Multop Financial, which has a team of advisors providing retirement planning 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 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’ goals.

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 nine grandchildren. Phil and his wife, Melanie, enjoy vacationing in sunny weather with their family and golfing in any weather with friends.

To contact Phil with any questions about the strategy of your tax plan, please use our Contact Form.