Episodes

  • Episode 31: Rise Above the Averages - Prepare for Retirement Using Customization

    Episode 31: Rise Above the Averages - Prepare for Retirement Using Customization
    Dec 17 2025
    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
    Show More Show Less
    34 mins
  • Episode 30: Charitable Giving Done Right: DAFs, IRAs, and Planning With Purpose

    Episode 30: Charitable Giving Done Right: DAFs, IRAs, and Planning With Purpose
    Dec 3 2025
    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
    Show More Show Less
    31 mins
  • Episode 29: 7 Common Financial Planning Mistakes and How To Avoid Them

    Episode 29: 7 Common Financial Planning Mistakes and How To Avoid Them
    Oct 22 2025
    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
    Show More Show Less
    39 mins
  • Episode 28: Let's Talk Rates, Mortgages and Real Estate Purchases with Guest Cody Ward

    Episode 28: Let's Talk Rates, Mortgages and Real Estate Purchases with Guest Cody Ward
    Oct 8 2025
    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
    Show More Show Less
    39 mins
  • Episode 27: The World of Alternative Investments - What, How and Why

    Episode 27: The World of Alternative Investments - What, How and Why
    Sep 17 2025
    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
    Show More Show Less
    34 mins
  • Episode 26: A Summer at Granite Bridge: Intern Insights with Morgan Groff

    Episode 26: A Summer at Granite Bridge: Intern Insights with Morgan Groff
    Sep 3 2025
    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
    Show More Show Less
    30 mins
  • Episode 25: Are Advisors Even Worth Their Fees? Modern Value Driven by Financial Planners

    Episode 25: Are Advisors Even Worth Their Fees? Modern Value Driven by Financial Planners
    Aug 20 2025
    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
    Show More Show Less
    34 mins
  • Episode 24: Planning versus Reacting, Facing the Realities of Being Prepared (or Not)

    Episode 24: Planning versus Reacting, Facing the Realities of Being Prepared (or Not)
    Jun 18 2025
    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
    Show More Show Less
    24 mins