Multop - Best Local Financial Advisor Team in Bellingham, WA


Meet our Team of Experienced Advisors

Meet Our Team

Multop Financial Services

At Multop Financial, we take your 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.

Multop's Bellingham Advisory Team

Phillip E. Multop, CPA, CFP
Founder & Sr. Executive Planner *

Phillip E. Multop - Founder & Senior Planner

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

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 the basics and use revenue codes and rulings to better serve his clients' financial 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 or financial plan, please use our Contact Form.
* Phil Multop is a registered representative of Cetera Advisors LLC, member FINRA/SIPC.

Aretha Allen*

Aretha Allen - Financial Services Manager

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 department for the past 13 years.

As Financial Services Manager, Aretha prepares financial planning reviews, administers asset allocation changes in client portfolios, oversees operations, client services and trading for all clients at Multop Financial. She works closely with Phil Multop to ensure the implementation of portfolios for high-level business owners and retirees. In her spare time Aretha enjoys motherhood, spending quality time with her two daughters and traveling with her family.

If you are in need of service on an existing investment account, contact Aretha using our Contact Form.

* Aretha Allen is a registered representative of Cetera Advisors LLC, member FINRA/ SIPC. Securities offered through Cetera Advisors LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entity.

Ted Newman*

Ted Newman - Financial Advisor

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, working alongside Phil, Tyler and Aretha to bring durable portfolio solutions to our clients. Ted serves as Multop's 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 company's 401(k) plan, please  Contact Ted.

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

Tyler Ryan

Tyler Ryan - Executive Director of Financial Services

Tyler received his Bachelor's in Finance and Economics from Western Washington University. Following graduation, he obtained his securities registrations and insurance licenses which now represents over a decade of industry experience working for Multop Financial. Dedication to the intricacies of oil & gas pension plans analysis has been a passion and main focus for Tyler during his Multop Financial tenure. Tyler consults with the executive team to research new products, and enhance current strategies.

Tyler serves and has served a variety of community organizations; the Board of Directors for the NW Western States Petroleum Association (WSPA), as an advisor to Whatcom County Sheriff, Bill Elfo's re-election campaign, the Whatcom County Chamber of Commerce, the Hospitality Team at Cornwall Church, and as a faculty member of the Washington State Board Association where he teaches continuing education seminars focused on financial and investment topics. Past services also include a role as campaign advisor to former Attorney General Rob McKenna, a Finance Committee member at Bellingham Golf & Country Club, and as the Membership Committee Chairman for the Bellingham Angel Group.

On a personal note, Tyler enjoys spending his spare time with his wife, Aretha and their two beautiful young daughters. In addition, he is an avid sports fisherman and enjoys playing golf when time allows.

Michael Lamoreux - CPA, CGMA

Michael Lamoreux, CPA - Tax & Accounting Manager

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.  He has proceeded to enhance his education, credentials, and level of experience in the fields of tax and accounting ever since.

As the manager of the Tax and Accounting department here at Multop Financial, Michael works to serve our clientele of individual tax and business accounting clients.  With Michael's management skills, we have the ability to expand the services offered through our accounting department and bring the benefits of yet another level of expertise to our clients, their businesses, and their families.

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 would like some additional tax consulting or are a business owner looking to work with our firm, contact Michael with our  Contact Form.

Don Ruhl - CPA, MBA, MPA

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 and the 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 would like some additional tax consulting, feel free to contact Don with our Contact Form.

Lauryn Vogt*

Lauryn Peugh - Planning Assistant

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. During her employment at Multop Financial, she has obtained her Washington State Life and Disability Insurance License, as well as her Series 7 securities registrations.

Whenever they have a free moment, Lauryn and her husband, Kyle, love to explore the Pacific Northwest with their dog, Texas.

If you are a current client and would like to discuss your situation or accounts, please contact Lauryn using our Contact Form.

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

Lettie Vigoren

Lettie Walker Marketing Assistant

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 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 upbeat personality, Lettie has quickly become a valuable part of the team's ability to serve our clients so well.

Since graduating college, Lettie has pursued many new hobbies. She has taken up golf at the Bellingham Golf & Country Club. She also enjoys traveling and has backpacked through Italy, where she fell in love with the history, art, and the culture.

For marketing needs or to schedule an appointment with one of our team of advisors, please contact Lettie using our Contact Form.

Katelyn Lancaster

Katelyn Lancaster - Front Office Coordinator

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, managing the front office and reception duties.

Katelyn and her husband Hank enjoy hiking the trails of the beautiful Pacific Northwest, working on fixer-upper projects for their home and spending quality time with family and friends.

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.

Lisa Imel

Lisa Imel 
Bookkeeping & Accounting

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 services for our business clients. She also has the ability to train business owners on how to use QuickBooks effectively for those who would prefer to do these tasks on their own. She looks forward to being able to expand on the services being offered at Multop Financial.

Lisa was born and raised in Bellingham and she enjoys taking off on the weekends to go camping. Her and her Schnoodle, Malcolm, love to head out to discover the wonderful trails all around Bellingham. She also enjoys gardening, getting crafty and photography in her spare time.

For information about our bookkeeping and payroll services or to schedule an appointment to meet with Lisa, please contact our office using our Contact Form.

Melanie Multop

Melanie Multop- Events & Amenities Director

Melanie supports the management and marketing teams of the firm as needed, lending her 25 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 Multop Financial's new location in Barkley Village, integrating the Multop's personal art collection into the interior design of the office, which now provides a nod to local artists and an ever-changing exhibition of Bellingham's archival historical photos. Melanie continues to support the team at Multop Financial with administrative expertise while also enjoying more leisure time with Phil now that their boys are in college.

Check the background of this investment professional on FINRA's BrokerCheck