Meet the team
Meet the team behind your strategy.
Josiah Grauso, CSA
PRESIDENT & SENIOR FINANCIAL ADVISOR
Josiah has spent nearly two decades helping individuals and families prepare for and live through retirement. Entering the industry in 2007, just before the onset of the Great Financial Crisis, gave him an immediate introduction to the business.
Watching markets fall and seeing clients find relief in preservation strategies shaped his core investment philosophy: retirement planning isn’t an all-or-nothing choice between growth and safety. It is about finding the right balance for each individual.
Through all the economic ups and downs of the past 20 years, Josiah has had the privilege of walking alongside fellow Pennsylvania families through every exciting milestone, difficult decision and hard season of life.
Abundant Streams Capital Group carries a legacy that means a great deal to him personally. His father, Ralph, founded the firm, and Josiah is honored to maintain the same standard of care every family receives when they walk through our doors.
He is immensely proud of where the firm came from, what his father started, and what they built together, while remaining deeply excited about where Abundant Streams is heading. His responsibility now is to preserve what has always mattered while continuously improving how the firm educates people, develops retirement strategies, and cares for the families who place their trust in them.
Our Team
Josiah Grauso, CSA
Josiah Grauso brings two decades of experience in the financial services industry to his role as President and Senior Financial Advisor of Abundant Streams Capital Group. Throughout his career, Josiah has built a reputation for helping individuals and families navigate the financial decisions that come with preparing for and living through retirement.
As President of Abundant Streams Capital Group, Josiah leads a team committed to helping clients build retirement income strategies around their individual goals, priorities, and circumstances. His approach begins with understanding the person behind the portfolio – listening first, educating clearly, and helping clients make informed decisions about their financial futures.
Josiah is regularly featured on Wealth After Work, a weekly television program where he discusses financial topics and decisions affecting people approaching and living in retirement. He also leads Social Security workshops and other educational events designed to help retirees and near-retirees better understand their options and approach retirement with greater clarity and confidence.
Josiah resides in the Pocono Mountains with his wife, Sarah, who works alongside him at Abundant Streams Capital Group, and their four children. The family enjoys the natural beauty and outdoor activities the region offers, creating shared memories together.
Sarah Grauso
Sarah Grauso serves as Operations Manager at Abundant Streams Capital Group, where she oversees the firm’s day-to-day operations and helps ensure a consistent, high-quality experience for both clients and the team.
Since joining the firm in 2018, Sarah’s role has grown to include oversight of internal operations, workflow coordination, process development, team training, and client-service support. Her broad understanding of the firm allows her to anticipate needs, improve efficiency, and help maintain alignment across departments.
Sarah brings a strong background in organization, communication, and client care, along with skills developed during her prior career in education. She is known for her attention to detail, ability to support and develop team members, and commitment to creating a structured, welcoming environment that allows the firm’s advisors and support staff to serve clients effectively.
Sarah and her husband, Josiah, are the proud parents of four children. Outside of work, Sarah enjoys trying new things, traveling, and spending time near the beach.
To contact the Operations Manager, email office@trust-asc.com or call 570-213-4533 and dial 0 for the receptionist.
Charles “Chuck” Garofalo
Heather Otto
Heather Otto brings more than 10 years of experience in the financial services industry and a broad background in both advisory services and client operations. As a Financial Advisor with Abundant Streams Capital Group, Heather works with clients on portfolio allocation and performance, retirement-related financial decisions, and Medicare questions, helping clients stay aligned with their long-term goals.
Heather’s experience within the firm gives her a well-rounded understanding of both the advisory and operational sides of client service. She began her career with ASC in new business processing and paraplanning, supporting research and documentation before transitioning into an advisory role. That background allows her to bring both technical knowledge and practical perspective to the clients she serves.
Outside of work, Heather enjoys spending time with her husband, Steve, and their two college-aged children, as well as their two dogs, a sassy chicken, and domesticated pig. She stays active by participating in Mud Runs and 5Ks, and in her downtime enjoys reading books that have been made into movies and attending concerts and musicals.
To contact the Client Service Department, email clientservice@trust-asc.com. You can reach Heather at 570-213-4533 x. 1007.
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.
