Every member of the ISTO team is focused on helping you achieve your life’s goals and providing you with great clarity, confidence and financial peace of mind.

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Kara R. Caruth, CFP®

Senior Wealth Advisor

Kara is a senior member of the Private Planning Group at ISTO. She takes great pride not only in financially guiding but also in educating clients, team members and the next generation of advisors.

Kara believes that clients should understand the ‘why’s’ and spends time making sure each client understands the different facets of their financial plan. She also works closely with the younger advisors at ISTO to be sure they are always putting clients’ needs first. She believes that proper mentorship leads to a better team at ISTO and will lead to a better experience for our clients. She has been an adjunct Finance Professor at Walsh College since 2013.

Kara earned her CERTIFIED FINANCIAL PLANNER™ designation in 2013. She received her Bachelor and Master of Finance degrees from Walsh College.

Kara and her children, Makaella and Charles, love to travel and experience other cultures and foods. She is deeply involved in women and children’s causes. Her family is active in their church and community. Kara is involved in Building Bridges, Habitat for Humanity, Gleaners of South East Michigan and is part of the CFP® Board Mentor Program.

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Kathryn M. Gillman, CFP®

Senior Wealth Advisor

Katie earned her CERTIFIED FINANCIAL PLANNER™  designation in 2017. She graduated with her Master of Business Administration degree from Walsh College in Troy, Michigan in 2007 after completing her undergraduate investments degree at Central Michigan University in 2002.  Having spent the majority of her career working with Chris and Paul, Katie specializes in individualized client service, implementation of financial plans and firm operations. 

Katie is a Sustaining Member of the Junior League of Chicago and a mentor with the Girl Scouts of Greater Chicago and Northwest Indiana through their Camp CEO program.  Her volunteer leadership experience focuses on connecting community voluntarism, development and empowerment with stakeholders.  Katie's family resides in Highland Park, Illinois with their rescue dog, Suzy Snowflake.

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Joshua D. Kinnee, CFP®

Wealth Advisor

Josh joined ISTO Advisors in early 2019. He has worked in the financial services industry since 2011, and holds the CERTIFIED FINANCIAL PLANNER™ designation. Josh enjoys building relationships and working with clients, assisting them in gaining clarity and peace about their financial future.

Josh earned his Bachelor of Arts in Math-Secondary Education from Trinity International University in 2006, followed by his Master of Arts in Educational Leadership from Aurora University in 2009.

Josh lives in Buffalo Grove with his wife, Becky, and their three children, Jane, Miles, and Jenna. They enjoy going on hikes together and exploring new places. Josh’s family enjoys serving at their church, Feed My Starving Children, and supporting other local causes.

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Tyler D. DeCoster

Wealth Advisor

Tyler joined ISTO Advisors at the beginning of 2018. He graduated from the University of Alabama in 2016 as a member of the University Fellows Experience with his Bachelor of Finance degree and his Bachelor of Accounting degree. Before joining our team, Tyler worked for PricewaterhouseCoopers providing tax services to high net worth individuals and private companies. He is currently studying for the CPA Exam.

Tyler is involved in Building Bridges as a student advocate and enjoys spending time outdoors running and fishing.

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Michael E. Carmona

Wealth Advisor

Michael joined the ISTO family because ISTO mirrors his passion for service. He enjoys listening to clients discuss their current passions and goals for their family’s future.

Michael earned his MBA at Michigan State University where he sat on the Executive Boards for the MBA Association, Multicultural Association and Spartan Consulting. He attained his BA from the University of Michigan and will be sitting for the CFP® Exam in November 2019. 

Michael believes in the resurgence of Detroit and volunteers for Life Remodeled and The Greening of Detroit. He sits on the Executive Board for Detroit’s University District Community Association. Michael and his wife, Leslie, enjoy golf, cooking and playing at the dog park with their rescue pup, Harley Quinn.

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Jill J. Wall, CFA

Financial Analyst

Jill joined the team in 2008. She is responsible for both database management and for conducting investment research and mutual fund due diligence for the firm. She graduated from the University of Michigan with her Bachelor of Economics and her Bachelor of Psychology in 1990. She earned her CFA designation in 1995.

Jill enjoys spending time with her family and friends. She and her husband Brian reside in Troy with their three children Matthew, Elizabeth and Benjamin. Her family is active in their church and community, volunteering regularly with the Christ Child Society of Detroit and Forgotten Harvest.

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Karole D. Lams

Director of Operations

Karole is ISTO Advisors’ Director of Operations, having worked in client service on Paul’s team since 2009. She is passionate about getting things done the first time. She previously spent 9 years with a local institutional investment firm. Her extensive industry knowledge, outstanding organizational skills and focused attention to detail create great behind the scenes efficiency to processing client requests. 

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Kayla A. Pankiewicz

Client Concierge

Kayla joined ISTO Advisors as the Client Concierge in February of 2017. She came to us with strong administrative experience gained in the Human Resources Department at Allendale Association, a private, not-for-profit organization dedicated to supporting troubled youth and their families.

Kayla’s goal is to make everyone who comes through our door feel welcome with her friendly smile and customer service. Behind the scenes, her industrious habits bring a high level of organized administrative support to our team. She finds satisfaction working in an efficient matter while refining and improving processes.

Kayla enjoys creating memories with her family, friends and golden retriever, Nala.

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Mary E. Goleniak


Mary joined ISTO Advisors in January 2019.  She is a 1990 graduate of Michigan State University and comes to us with 9 years operational experience at Plante Moran Trust. Mary spends her free time with her husband, daughter and rescue dog, Lilly.  She and her family are volunteers with Gleaners Food Bank.