Wealth on Purpose
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The Wealth on Purpose podcast is a direct source for financial planning information relevant to your life. From general investing to the emotions of building wealth as a family, you can expect to get a fun dose of the information you need to broaden your understanding of all things personal finance related. Real talk and straight forward language make this podcast easy and enjoyable to digest.
33 Episodes
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Come listen in on how AI is earning its spot as (more than) a hired hand in comprehensive financial planning. The addition of AI is more of a "reframing" than a "replacing" as it relates to enhancing the human experience of the client/advisor relationship.
Key Topics:
AI serves as a tool to enhance advisor-client relationships, not replace human judgment
Note-taking technology allows advisors to stay fully present during client meetings
Tax return analysis through AI reveals inefficiencies and opportunities within minutes
Technology helps advisors overcome creative blocks when developing client content and presentations
Stress testing portfolios with AI ensures strategies align with specific client goals
AI predicted to match the smartest human by late 2026, then all humanity combined
Behavioral risk detection may help advisors identify client concerns before they surface
Future planning could move beyond broad rules to highly individualized strategies
Three or four-day work weeks may arrive within five years due to AI efficiency
Connect with us:
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
Why preparing the right way for retirement is crucial. While some base their entire retirement on universal averages, be the family that tailors their retired years that calibrates specifically to you.
Key Topics:
The growing wave of retirements across America and the surprising number of people who feel unprepared.
Common reasons cited for lack of preparedness, like inflation and debt, and why personal planning matters more than averages.
Why general financial advice and “average” statistics rarely apply to individual situations.
A real client story illustrating the importance of personalized planning over generic benchmarks.
How small, consistent financial actions can lead to long-term progress and stability.
The turning point when organization and clarity transform scattered financial accounts into a true plan.
The difference between having a portfolio and having a plan for using it in retirement.
Why retirement planning should be customized, flexible, and reviewed regularly.
The value of aligning financial assets with life goals, family priorities, and lifestyle choices.
Encouragement to organize and plan now for peace of mind and lasting confidence in retirement.
Connect with us:
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
The guys of the Wealth on Podcast share smart charitable giving starts BEFORE you write the check. From Donor Advised Funds to Qualified Charitable Distributions, make the most out of your generosity.
Key Topics:
Why charitable giving matters and why most Americans give inefficiently
The benefits of tax-efficient giving through donor-advised funds
How appreciated assets can be donated to maximize impact and reduce taxes
Using donor-advised funds during high-income or windfall years
Strategies for incorporating multi-generational giving and family involvement
How qualified charitable distributions work for retirees age seventy and a half and older
Why QCDs can reduce taxable income and satisfy required minimum distributions
Practical steps for choosing legitimate and aligned charities
Connect with us:
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
Discover the 7 most common mistakes investors make in their financial planning — and how to avoid them. In this episode, we break down the missteps that can quietly derail wealth building, from timing the market to overlooking tax strategies. Tune in for clear, practical insights that will help you protect your portfolio and make smarter, more confident financial decisions.
Key Topics:
The seven biggest financial planning mistakes people make and how to avoid them.
Why “just having a number” is not a financial plan.
The truth about cash flow and how it shapes your financial freedom.
Overestimating returns and the danger of believing in average performance.
Understanding taxes as one of your biggest lifetime expenses.
Why protection planning through insurance, estate, and legal documents is an act of love.
The myth of one-dimensional investing and why diversification matters.
How “set it and forget it” can quietly wreck a financial plan.
The role of behavioral discipline in long-term investing.
Turning awareness of mistakes into purpose-driven wealth decisions.
Connect with us:
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
Dive into this episode of Wealth on Purpose, where hosts Brian Hartmann & Brian Diffily sit down with guest, Cody Ward, to unpack the ever-changing interest rate environment.
Get insider insights, real stories, and actionable takeaways you can apply right away.
Tune in now for a fresh perspective that challenges how you think about your next real estate purchase.
Key Topics:
Cody Ward’s path from Silicon Valley startups to mortgage lending
How homeownership builds generational wealth
The truth about Fed rate cuts versus mortgage rates
Why timing the market is less important than buying the right home
Planning ahead with credit, pre-approvals, and financial readiness
Challenges for self-employed borrowers and the importance of documentation
Common mistakes first-time homebuyers make with debt and down payments
Understanding loan options beyond the traditional 30-year mortgage
The value of treating mortgages as part of a holistic financial plan
Connect with us:
Cody Ward
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
In this episode of Wealth On Purpose, the Granite Bridge advisor team explores the world of alternative investments—what they are, how they differ from traditional stocks and bonds, and why investors may consider including them in a portfolio. Brian, Brian, Jason and Dalton discuss the potential benefits alternatives can provide, such as diversification, risk management, and opportunities for enhanced returns, while also highlighting the role they can play in building more resilient long-term investment strategies.
Key Topics:
What alternative investments are and how they differ from traditional stocks and bonds
Types of alternatives, including crypto, commodities, hedge funds, private equity, and real estate
How risk tolerance shapes which alternatives may fit into a portfolio
The role of liquidity, lockup periods, and the concept of an illiquidity premium
Using alternatives as a hedge through low correlation with traditional assets
Why private equity and real estate are gaining attention as diversification tools
How market conditions and rising correlations drive demand for alternatives
Time horizons, accessibility, and unique investment stories in the alternative space
Cost considerations, management fees, and the value of professional expertise
Key client questions when discussing allocation to alternatives
Connect with us:
Jason Rausch
Dalton Heffel
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
In this special episode, we sit down with Morgan Groff, Granite Bridge’s summer intern, to reflect on her time with the firm. Morgan shares her experiences working alongside the Granite Bridge team, what she learned about the financial planning profession, and how this internship has shaped her vision for the future. Whether you're a student exploring a career in finance or simply curious about the next generation of advisors, Morgan’s thoughtful reflections offer a unique perspective on the industry and the value of hands-on experience.
Key Topics:
Morgan Groff’s summer internship experience at Granite Bridge Wealth.
Applying classroom financial concepts to real-life client situations.
Lessons from observing client meetings and building strong relationships.
The importance of empathy and communication in financial planning.
How technology and automation enhance client service.
Understanding financial planning as protecting families, not just money.
Advice for students pursuing internships and entering the industry.
Connect with us:
Morgan Groff
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
What value do financial planning teams add in your life? Is the relationship worth it? Many have these questions. This episode has the answers. Check out the Granite Bridge team sharing their opinions and research on the modern value great advisors deliver to their clients.
Key Topics:
The value of having a fiduciary financial advisor in your life.
How behavioral coaching can add up to 3% in returns over time.
The role of tax strategy and investment placement in wealth growth.
Reducing stress and improving mental health through financial planning.
Avoiding costly mistakes with beneficiary audits and estate planning.
The importance of non-financial guidance during major life events.
Why investment selection alone isn’t enough for long-term success.
Leading studies showing the measurable impact of professional advice.
Preparing for liquidity events before the money arrives.
Key differences between investment advisors and holistic financial planners.
Connect with us:
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
In this insightful episode, the Granite Bridge team explores some of life’s most pivotal—and often unexpected—moments. From career shifts to health challenges and family transitions, we unpack how thoughtful financial planning can turn potential chaos into clarity, helping families navigate change with confidence, unity, and financial stability.
Key Topics:
Planning empowers you to stay calm through life’s inevitable curveballs
Financial preparedness is more than market strategy—it's emotional strategy
Good surprises, like inheritances, still need thoughtful planning
Stress-testing portfolios means more than anticipating market shifts
Proper planning avoids rushed, emotionally charged financial decisions
Stories from real clients show how being proactive leads to peace of mind
Collaborating with advisors helps translate uncertainty into action
Connect with us:
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
In this episode of Wealth on Purpose, hosts Brian Diffily and Brian Hartmann discuss the powerful impact of time and compounding interest. Often referred to as one of the wonders of the world, this combination can be incredibly impactful to investors. An episode full of fascinating stories and history on investments and different asset classes.
Key Topics:
Why Einstein called compounding interest the "eighth wonder of the world."
The Rule of 72: how to estimate when your money will double
Real examples: $1 invested in 1923 vs. $1 in the S&P 500
The danger of missing just 10 top market days
Why holding cash long-term can cost you more than you think
Time in the market beats trying to time the market
How small, early investments lead to big long-term wins
Connect with us:
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
This episode focuses on getting your footing while scaling up and down the "mountain" in retirement. A recent once-in-a-lifetime client experience provided the Granite Bridge team a new perspective, and they share the story in this episode.
Key Topics:
How climbing Mount Everest parallels retirement planning.
Why expert guidance matters in your financial journey.
The challenge of spending wisely in retirement.
Adapting to unexpected changes with confidence.
Why the descent (retirement) requires a new strategy.
Customizing your financial plan for your unique goals.
Connect with us:
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
Are your investments in line with your risk tolerance and comfort zone? In this episode of Wealth on Purpose, hosts Brian Diffily and Brian Hartmann discuss the importance of understanding your personal risk tolerance and risk capacity. Listen in for some easy-to-implement takeaways that can impact your portfolio and financial future.
Key Topics:
The concept of risk tolerance and risk capacity
Differentiating emotional risk tolerance from scientific risk capacity
The importance of assigning risk levels to different financial buckets
Strategies for balancing risk across cash, investments, and retirement funds
How market cycles influence investment strategies
Encouraging regular reviews of risk tolerance
Utilizing Monte Carlo simulations to stress test portfolios for better decisions
Connect with us:
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
Hanna Puetter joins the Wealth On Purpose podcast to discuss her inside view and expertise around insuring high-end homes, portfolio properties and luxury cars. In this episode, you'll hear why it is so important to have the right coverage to protect these assets and your wealth.
Key Topics:
Hanna Puetter emphasizes empathy in client relationships.
Hard market challenges with premiums and coverage.
Premium increases caused by catastrophic events and inflation.
Importance of updating policies after renovations.
Role of umbrella policies in liability risk management.
Example of a well-managed high-value claim.
Benefits of specialty carriers for high-net-worth clients.
Connect with us:
Hanna Puetter
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Windermere Insurance Group
Granite Bridge Wealth
In this episode of Wealth on Purpose, Granite Bridge Advisor, Dalton Heffel, shares his life changing moment when his uncle encouraged him to buy his first stock at age 13. This experience led him to be able to guide parents and grandparents through some of the most important conversations they can have with their next generation. The conversations matter and Dalton will share his tips on how to get started.
Key Topics:
Dalton’s journey of turning snow-shoveling money into his first stock portfolio at age 13.
How zero commissions and fractional shares make investing more accessible than ever.
The incredible advantages of investing early, leveraging the power of compounding.
Tips for parents to set their kids up for financial success with UTMA or 529 accounts.
Engaging young investors by connecting them to brands and products they love.
The importance of consistency and staying invested during market ups and downs.
No matter your age, it’s never too late to start—take action today to secure your future.
Connect with us:
Dalton Heffel
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
In this episode of Wealth on Purpose, Brian and Brian talk about well-known and less-known benefits that come along with service to the US Armed Forces.
This episode is a must-listen for veterans, families of vets and spouses of veterans.
Key Topics:
Why all veterans, not just those with disabilities, should explore VA benefits.
Overview of VA loan advantages, including no down payment and no private mortgage insurance.
Educational support through the Post-9/11 GI Bill, covering tuition and housing, with options to transfer to family.
Career transition support, including certifications to translate military skills for civilian jobs.
Explanation of VA disability benefits, including compensation and free medical support.
The importance of acknowledging veterans’ service and helping them transition smoothly.
Connect with us:
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
Medicare Specialist, Adam Chubb, CLU, joins the Wealth on Purpose hosts for a conversation around the complexities of Medicare. Choosing the right plan is more important than you may think. This episode is a must-listen to anyone who is approaching Medicare age or already using Medicare.
Key Topics:
Medicare timelines: when to sign up for Parts A and B if nearing age 65 or retiring
Coordinating with HR to confirm creditable coverage and understand how company size affects options
Overview of Parts A (hospital), B (medical), and D (prescription drugs)
Consequences of missing enrollment deadlines, including lifelong penalties
Regularly review Medicare plans to ensure they meet changing needs
Importance of finding trusted sources to avoid confusion from conflicting advice
Upcoming Medicare changes, including prescription drug cost caps, and their impact
Connect with us:
Adam Chubb, CLU
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Pinnacle Life
Granite Bridge Wealth
In this episode of Wealth on Purpose, Brian Diffily asks Brian Hartmann to go deep on common real estate questions and strategies. Hear from Hartmann on how best to take advantage of current tax codes specific to investment properties and multigenerational real estate investing. What is a stepped-up cost basis? What is a 1031 exchange? Learn about these strategies and more in this episode.
Key Topics:
Capital gains tax exclusions for selling a primary home, with limits for singles and couples
Rules for qualifying a home as a primary residence and avoiding state tax issues
Tax-efficient strategies for passing property to heirs, including the step-up in cost basis
Managing vacation homes, addressing family dynamics, and using trusts to ease financial burdens
Deferring taxes through 1031 exchanges when reinvesting in like-kind properties
Simplifying real estate portfolios with Delaware Statutory Trusts (DSTs) for passive income
Considerations for control and liquidity when investing in real estate through DSTs
Connect with us:
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
This episode takes a deep dive into the financial issues that are often overlooked but can have a monumental impact on your long-term wealth. In this episode, we're tackling a critical topic: how long-term care can pose a greater threat to your financial future than the fluctuations of the stock market.
While stock market volatility is a well-known concern for investors, long-term care needs are becoming an increasingly significant financial burden that many aren’t fully prepared for. We’ll explore why the cost of extended care—whether it's nursing home stays, assisted living, or in-home care—can dramatically erode your savings and impact your financial stability more profoundly than market downturns.
Key Topics:
Understanding the financial risks beyond the market: focusing on personal long-term care needs
Defining long-term care and its differences from regular health care expenses
Examining insurance options and planning strategies for long-term care
Real-life implications and personal stories reflecting the need for long-term care planning
The importance of family communication and planning for care scenarios
Advice on how to initiate conversations about long-term care within families
Strategies for integrating long-term care planning into overall financial planning
Encouraging listeners to consult with professionals to tailor a personal long-term care plan
Connect with us:
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
Modern day wealth management is more than just making investment returns. Brian and Brian share why stress testing your investments and financial plans is a game changer for meeting and exceeding your personal goals. This system allows individuals, business owners and families to answer the timeless question "Will I be ok?" by applying Monte Carlo analysis. What's YOUR score?
Key Topics:
Introduction to stress testing in personal finance
The importance of proving financial stability and preparedness
Explanation of the Monte Carlo simulation and its application in financial planning
Real-life examples of how stress testing influences financial decisions and confidence
Discussion on the importance of communication and detailed planning with financial advisors
How different life events and changes can impact financial planning and required adjustments
The role of advanced analytics and simulations in achieving financial peace of mind
Encouragement for listeners to engage actively with their financial planners to ensure their investments and savings align with personal goals and life changes
Connect with us:
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
You may have more in common with Micheal Jackson, Prince, and Heath Ledger than you suspect. In this episode, we discuss estate planning issues that are commonly overlooked (even among the world's most famous celebs) and are easily corrected. Trusts, Wills and how they best serve your family.
Key Topics:
Importance of comprehensive estate planning highlighted through celebrity examples
Necessity of maintaining updated estate documents like Wills and Trusts
Risks of ambiguous language in estate documents leading to legal disputes
Importance of communication among financial, legal, and tax advisors
Benefits of trusts for privacy and clear asset distribution directives
Need for regular reviews and updates to estate plans after life changes
Advice on proactive engagement in estate planning to reflect current wishes
Connect with us:
Brian Diffily
Brian Hartmann, CFP®
Visit our website:
Granite Bridge Wealth
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