Our Leadership Team
Ralph Grauso
Ralph is the CEO of Abundant Streams Capital Group, which he founded in 2005. He is a well-known Certified Senior Advisor® and financial educator with over 40 years of professional experience. His passion stems from helping his parents have a stress-free 32 year-long retirement by implementing strategies he developed. His retiree and pre-retiree targeted philosophy is simple: maximize income by reducing overall risk.
Ralph has taught courses for retirees at East Stroudsburg University, Northampton Community College, and Centenary University, and his workshops have been attended by over 5,000 people in Pennsylvania and New Jersey. He now regularly speaks at educational seminars, contributing his experience and insight. You can see him alongside Josiah Grauso and Taylor Muñoz on Wealth After Work airing weekend mornings on most major networks.
Outside of business, Ralph enjoys spending time with his wife, Judy, in their log cabin in the Pocono Mountains. These snowbirds head down to the Florida beach when the winter months come to the mountains, though. Ralph and Judy share a blended family of 8 children and 22 grandchildren, and they are actively involved in their church and worship ministry.
Josiah Grauso, CSA
Josiah brings nearly two decades of experience in the Financial Services industry. Josiah’s extensive background and commitment to his clients have made him a respected figure in the field. Two years into his career, Josiah joined ASC Financial Group, where he became Vice President, and now President of newly recognized Abundant Streams Capital Group. In this role, Josiah leverages his expertise to guide clients through the complexities of financial planning and wealth management. His leadership and strategic insight have been instrumental in the growth and success of ASC and the transformation into Abundant Streams Capital Group.
He hosts Social Security workshops and other educational events aimed at teaching retirees and near-retirees the best ways to protect their hard-earned savings and achieve their long-term financial goals. Through these initiatives, Josiah empowers individuals with the knowledge and tools they need to make informed decisions about their financial futures.
Josiah resides in the picturesque Pocono Mountains with his lovely wife, Sarah, and their four children. The family enjoys the natural beauty and outdoor activities the region offers, creating cherished memories together.
Taylor Muñoz
Taylor joined ASC Financial Group as a financial advisor. He has now taken on the Vice President role at Abundant Streams Capital Group, where he blends financial insight with a strong background in public service. He is dedicated to understanding each client’s goals and helping them build a confident and secure retirement.
Before the road to becoming a fiduciary advisor, Taylor spent more than a decade in government and community leadership, including roles as Government Affairs Director, Chief of Staff to a Pennsylvania State Senator, and Pocono Township Manager. He oversaw daily operations, managed a multi-million-dollar budget, and led significant improvements to community services and local parks. Taylor brings this strategic experience to his work with clients, focusing on thoughtful planning and long-term financial stability. He holds a B.S. in Business Administration from Messiah College, where he also competed in cross country and track. He is also a fiduciary advisor and a National Social Security Advisor (NSSA®), specializing in developing predictable, income-focused retirement strategies. Taylor regularly holds educational workshops for pre-retirees demonstrating importance of financial literacy, increasing sustainable income, and maximizing benefits throughout retirement. He also brings this information to audiences on Wealth After Work alongside Ralph and Josiah Grauso.
When he’s not meeting with clients, Taylor enjoys family time, fitness, and being an active part of his local community, where he has served on multiple nonprofit and local boards over the years. He lives in the Poconos with his wife, Devin, and their three children.
Our Advisors
Josiah Grauso, CSA
Josiah brings nearly two decades of experience in the Financial Services industry. Josiah’s extensive background and commitment to his clients have made him a respected figure in the field. Two years into his career, Josiah joined ASC Financial Group, where he became Vice President, and now President of newly recognized Abundant Streams Capital Group. In this role, Josiah leverages his expertise to guide clients through the complexities of financial planning and wealth management. His leadership and strategic insight have been instrumental in the growth and success of ASC and the transformation into Abundant Streams Capital Group.
He hosts Social Security workshops and other educational events aimed at teaching retirees and near-retirees the best ways to protect their hard-earned savings and achieve their long-term financial goals. Through these initiatives, Josiah empowers individuals with the knowledge and tools they need to make informed decisions about their financial futures.
Josiah resides in the picturesque Pocono Mountains with his lovely wife, Sarah, and their four children. The family enjoys the natural beauty and outdoor activities the region offers, creating cherished memories together.
Taylor Muñoz
Taylor joined ASC Financial Group as a financial advisor. He has now taken on the Vice President role at Abundant Streams Capital Group, where he blends financial insight with a strong background in public service. He is dedicated to understanding each client’s goals and helping them build a confident and secure retirement.
Before the road to becoming a fiduciary advisor, Taylor spent more than a decade in government and community leadership, including roles as Government Affairs Director, Chief of Staff to a Pennsylvania State Senator, and Pocono Township Manager. He oversaw daily operations, managed a multi-million-dollar budget, and led significant improvements to community services and local parks. Taylor brings this strategic experience to his work with clients, focusing on thoughtful planning and long-term financial stability. He holds a B.S. in Business Administration from Messiah College, where he also competed in cross country and track. He is also a fiduciary advisor and a National Social Security Advisor (NSSA®), specializing in developing predictable, income-focused retirement strategies. Taylor regularly holds educational workshops for pre-retirees demonstrating importance of financial literacy, increasing sustainable income, and maximizing benefits throughout retirement. He also brings this information to audiences on Wealth After Work alongside Ralph and Josiah Grauso.
When he’s not meeting with clients, Taylor enjoys family time, fitness, and being an active part of his local community, where he has served on multiple nonprofit and local boards over the years. He lives in the Poconos with his wife, Devin, and their three children.
Joseph “Joe” Hamoui
Charles “Chuck” Garofalo
Heather Otto
To contact the Client Service Department, email clientservice@trust-asc.com. You can reach Heather at 570-213-4533 x. 1007.
Our Support Team
Joy Manno
Joy Manno serves as Client Experience & New Business Coordinator at Abundant Streams Capital Group, supporting the Lehigh Valley office. With a strong background in sales management, operations, and client service, Joy plays a key role in delivering a seamless and high-quality experience for both new and existing clients.
In her role, Joy oversees client engagement and new business processes, including coordinating seminars, workshops, and client appreciation events. She is often the first point of contact for the firm in the Lehigh Valley office, ensuring each interaction is welcoming, responsive, and professional. Joy also assists in gathering client information for the preparation of Retirement Income Analyses and helps guide new clients through the onboarding process, working closely with advisors to ensure a smooth and efficient experience.
Outside of work, Joy enjoys keeping bees for environmental support, taking her children on hikes in the mountains, baking, raising chickens, fostering wild animals, and visiting her hometown beach.
Joy can be reached at jmanno@trust-asc.com or by phone at 570-213-4533 ext. 1022.
Sarah Grauso
Sarah Grauso serves as Operations Manager at Abundant Streams Capital Group, overseeing the firm’s day-to-day operations and ensuring a seamless experience for both clients and the team. Since joining the firm in 2018, Sarah has held multiple roles across the organization, giving her a comprehensive understanding of the firm’s processes and client service model.
Over time, Sarah’s role has grown to include overseeing internal operations, coordinating workflows, and ensuring consistency across the organization. She has played a key role in developing and refining the firm’s operational procedures, including creating standard operating processes and training team members across various functions. Her hands-on experience across client service, new business processing, and internal operations allows her to anticipate needs, streamline processes, and maintain alignment across the firm.
Sarah brings a strong background in organization, communication, and client care, with skills developed through her experience as a classroom teacher and her degree in Elementary Education. She is known for her ability to manage details, support team members, and maintain a structured, welcoming environment that allows advisors to remain focused on delivering personalized financial guidance.
Sarah and her husband, Josiah, have been married for over 10 years and are the proud parents of four children. Outside of work, she enjoys trying new things and traveling to new places—especially destinations near a beach.
To contact the Operations Manager, email office@trust-asc.com or call 570-213-4533 and dial 0 for the receptionist.
Christopher Massimillo
Christopher Massimillo serves as Client Engagement Coordinator at Abundant Streams Capital Group, supporting the Poconos office. With over 10 years of experience in client engagement, enrollment, and administrative support, he brings a strong background in creating organized, high-touch experiences for clients. In this role, he coordinates seminars, workshops, and client appreciation events for both current and prospective clients. Christopher is often the first point of contact for the firm, ensuring each interaction is welcoming, professional, and responsive. He also assists in gathering client statements for the preparation of Retirement Income Analyses and helps guide new clients through the onboarding process to support a smooth and efficient experience.
Born and raised in New York, Christopher now resides in the Mt. Pocono area. Outside of work, he enjoys spending time with his family, traveling, and caring for animals—especially cats. In his free time, he is an avid Yankees fan and enjoys going to the movies, listening to 80s music, and attending concerts and musicals.
Christopher can be reached at info@trust-asc.com or by phone at 570-213-4533 ext. 1005.
Kelly Martinez
Kelly Martinez serves as New Business Processor at Abundant Streams Capital Group, supporting the Poconos office. She oversees new account openings, monitors transfer activity, processes contributions from existing clients, and ensures funds are handled accurately and efficiently throughout onboarding.
Kelly brings 17 years of banking experience to the firm. During her time in New York, she managed multiple branches at Teachers Federal Credit Union on Long Island, gaining extensive experience in client service, operations, and financial workflows.
Now residing in the Stroudsburg area, Kelly enjoys cooking, spending time with her family, and riding ATVs with her husband and son.
Kelly can be reached at newbusiness@trust-asc.com or by phone at 570-213-4533 ext. 1002.
Kimberlee Turner
Kimberlee Turner serves as Client Service Specialist at Abundant Streams Capital Group, supporting the Poconos office. With 17 years of experience in the financial services industry, she is passionate about providing exceptional service and building lasting relationships that support clients’ financial goals. Her background includes roles as an office manager and a customer service and underwriting assistant, strengthening her attention to detail and commitment to client care.
In her role, Kimberlee assists clients with a variety of service needs, including processing address changes and distributions, updating beneficiaries, and maintaining accurate records. She also helps coordinate strategy sessions between clients and financial advisors to support proactive, personalized planning.
Outside of the office, Kimberlee enjoys hiking and challenging herself with word games. She cherishes spending time with her two granddaughters and is a passionate animal lover—especially when it comes to dogs. When time allows, she volunteers at local animal shelters, combining her love for animals with her desire to give back to the community.
Kimberlee can be reached at customerservice@trust-asc.com or by phone at 570-213-4533 ext. 1000.
Andrea Blanchard
Andrea Blanchard serves as Client Service Assistant at Abundant Streams Capital Group, supporting the Poconos office. In her role, she assists the team in preparing clients and advisors for strategic planning sessions by gathering current account information and maintaining accurate portfolio overviews. Her attention to detail and strong research capabilities help ensure advisors have clear, reliable information to guide clients toward informed financial decisions.
Andrea resides in the Poconos with her husband, Woolff, and their three children. As a family, they enjoy seasonal traditions such as fruit picking, nature walks in local parks, and summer outdoor adventures. In her free time, Andrea participates in Bible study, enjoys baking bread, and creating art.
