‍Say Hello To

Makaella Caruth

Financial Coach

I lead the ISTO Prosperity Program, focused on coaching those in the beginning of their financial journey. After graduating from Grand Valley State University with my Bachelor of Science studying finance and accounting and Master of Science in Accounting, I became a CPA while working in tax at Plante Moran. I am a candidate for CERTIFIED FINANCIAL PLANNER^® certification and passed the CFP^® exam in 2025. I specialize in tax planning and am passionate about helping others accomplish their goals through financial coaching.

I enjoy traveling, rock climbing, playing the piano and saxophone, and spending time with friends and family. I have traveled to several countries across Europe, Asia, and Oceania, with many more adventures on my bucket list.

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Why I joined ISTO…

I joined ISTO because of (1) its culture, (2) leadership opportunities, and (3) the intentionality behind how we serve our clients. 1. The culture and people-first principles are applied to each other, our clients, and community in such an authentic way. 2. Hard work and passion are rewarded with trust and leadership opportunities, in a way in which we can drive our professional growth and be challenged by a team who wants us to excel. 3. We are committed to continuously innovating our services and going beyond standard practice to deliver to each client’s unique needs in a way they deserve.

How I am In Service To Others…

I’m in service through my genuine commitment to each client. Someone trusting us with their finances, with everything they have worked hard to earn, should not be taken lightly. Especially with people at the beginning of their financial journey who are often disregarded in the industry, I offer support by building their confidence, empowering informed decision-making, and establishing a strong foundation for their financial security.

The Core Value I resonate most with at ISTO is…

Surrounding ourselves with people of the highest character and integrity. You are as good as the people you surround yourself with. Being surrounded by a company and team who genuinely follows altruistic values positively influences my personal growth and my professional impact to clients and the industry.