CFP®, CLU®, CHFC®
Author, Keynote Speaker & Motivational Thinker
From Keynote and Motivation Speaking for the Financial Industry to publishing many well known books, Brian Gilder has been the go-to resource for truly understanding finance. Some of Brian Gilder’s Books and Digital Mediums include The Financial Playbook, How to Know Money Like you Know Sports, Money Head Start, Wealth Solutions Using Long Term Care, The Little Millionaire and many others. Reach out to Brian Gilder today if you would like him to motivate your team members at a conference, be a keynote speaker at your financial event or even if you have questions about finance in general.
- The Financial Playbook: An Overview on Finances broken down into sports Terms
- How to Know Money Like you Know Sports: Sports & Finance Podcast
- Money Head Start: Programs for Youth to better Understand Finance
- Wealth Solutions Using Long Term Care: Why you Should Care about Long Term Care
- The Little Millionaire: Become a little Millionaire, not a Billionaire
A little Background on Brian Gilder
There is nothing more serendipitous than when two areas of expertise become inseparably complimentary. Such is the case with Brian Gilder, a highly successful certified financial planner, chartered financial consultant, and chartered life underwriter with two decades of experience who also possesses a tremendous passion for athletics and sports philosophy. Mr. Gilder has developed a way to fuse together the worlds of sports and finance that is both brilliant and benevolent with his television/radio concept, “The Real Sports/Money Show.” Through this revolutionary program, sports enthusiasts will learn the ins and outs of sound financial strategies in a language they can easily comprehend – the lingo of sports.
Gilder explains, “I got the idea to put finance and sports together when a guy on my softball team came to me after a game with a serious question. He told me agents had been dropping by his house telling his wife he needed life insurance, but he wasn’t convinced he really needed it. So, to better explain the situation to him, I asked him a simple question: ‘Who’s your favorite football team?’ He said the Cincinnati Bengals. I said ‘Imagine your quarterback gets hurt and is out for
the rest of year…maybe permanently. If you don’t have a backup quarterback, what will happen to your team?’ He told me they would surely fail. Then I asked him, ‘If you die, what’s going to happen to your family? They could get reamed without some sort of solid, dependable backup. Think of life insurance as that backup.’ The guy understood me completely and got his family a really good policy right away.”
“The problems in the finance world,” Gilder continues, “are that there’s too much information and too often it is not explained properly. Brokerage firms, insurance companies and finance companies spend hundreds of million dollars on educational materials, but the clients that they’ve prepared them for don’t have a clue about what it all means. The information is correct, but people don’t understand it. Agents need to understand how to communicate with their clients from the client’s perspective. So – as an experiment – I took it upon myself with sports fans to explain finance to them in sports terms.” Ever since, Brian has been getting grand slam results – from his sold out seminars to the clients he sits down with one on one. Now he wants to share his knowledge and experience with the world at large.
Brian Gilder is the perfect candidate for this task. He has already been a go-to financial correspondent for K-CAL TV 9 and ABC-7 in Los Angeles as well as KFWB and KABC radio. He has consulted thousands of fellow finance professionals as well as those aspiring to manage their money in more sensible ways. Brian attended Cal Sate Northridge with a Bachelor’s in Finance. Thereafter, Brian attended UCLA’s exclusive and prestigious two-year financial planning program in order to ace the CFP Exam (certified financial planning). In addition, Brian has passed the rigorous financial planning programs at the American College. Where he has obtained the CLU (Chartered Life Underwriter) and the CHFC (Chartered Financial Consultant) degrees. Subsequently he has thrived with 16 years of experience in taxes, estate planning and financial planning, heading his own company for the last decade as well.
During that time, Brian Gilder has worked with several world-renowned athletes whose names and financial business he made professional vows to keep confidential. Ethics such as this have concretely contributed to his success and referral rates…but he can still spin you some great stories. “I told one basketball star, ‘With all due respect, I love what you do on the court, but when it comes to your finances I’m not going to kiss up to anyone. The reason you’ve lost so much of your money is because people always told you yes and let you spend-spend-spend because they were afraid to lose you as a client. I will never tell you that it’s o.k. to spend $20,000 on a piece of jewelry when it’s not appropriate for you. You will not be going broke on my watch!’”
People have called Brian “The Tough Coach”. “People will call in with questions and I’ll give them answers straight no chaser.’Stop spending like an idiot! You want to get out of debt? How much are you willing to sacrifice?’ Players always remember the tough coach they had on the field. They might not like him at the time, but looking back they appreciate him. That’s how they’ll think of me when they have a retirement nest egg but their peers still have to work.” The heart of Brian’s sport’s philosophy lies in an outlook he defines as “Theory vs. Reality,” which cuts to the chase of the psychology at work to get people back on the right economic track. “Say you have $10,000 in credit card debt spread across four different cards,” Brian hypothesizes. “In theory, the best thing to do is pay the highest interest rate card off first. However, the reality is that when people do that but don’t see enough of an immediate result, they give up and get into even more debt than ever. I say pay off the card with the lowest balance first. Save a dollar a day, take that 30 dollars at the end of the month plus your minimum and pay that small debt down. Soon, that debt is gone and you’re down to three cards instead of four. You see solid progress, so you continue to do the right thing.”
“It’s like baseball,” he continues. “If you’re in a 0-10 slump, you don’t need a home run right away. You need to get on base to restore your confidence. The same goes for football. Say its 3rd and 10. The quarterback has thrown ten incomplete passes. The coach tells him to do a 5 and out pattern. Everyone knows he needs 10 yards to get a first down. But if he can complete the pass for 5, it restores his confidence. Just as sports are psychological, so is finance.” The goal is not to bore you or make you an expert overnight. We just want to give you a better playbook, so that the next time you talk to a mortgage broker, you’ll be able to ask the right questions and be on your “A” game, so don’t get taken advantage of.” But that’s just the hardball portion of Brian’s amazing career. The truly telling innings of his life are the early softball ones that prove finance and sports have been in Brian’s blood from the beginning. “I learned the value of money from my grandfather who came up during the depression,” Brian shares. “He saw me at a young age wanting to do things on my own, so when I turned 13 he told me I should get a job. I became a sports counselor teaching kids 5-7 the fundamentals of baseball and basketball. Right away I started saving part of my earnings and invested the rest in baseball cards.”
Investing…in baseball cards?! Gilder insists, “Yes! I’d been collecting sports cards since I was 5. Today, I own one million sports collectibles – ticket stubs from The World Series and other historical games, signed game balls, bats, jerseys (including Kobe Bryant’s as a rookie) – you name it. In my high school and college days, for part time work I’d set up a booth at trade shows on the weekend. I was a dealer and made good money. I’d buy Dodgers and Angels cards from the East Coast and sell them here on the West Coast at a mark-up because there was more demand. By mail order I’d do the same thing vice versa. Sometimes I’ll buy thousands of cards at a time for pennies on the dollar from businesses that go under and just tuck them away. One day when my kids grow up and need money, I’ll give them the cards, show them what they’re worth and if they can sell them, I’ll give them half the profits – to teach them the value of a dollar.” Ultimately, Brian has found that the key to success in financial planning is that there isn’t one template that works for all people. Everybody’s situation is unique and the way to educate them should be just as specialized. “Today, the financial world is upside down,” Brian laments. “The socalled ‘experts’ on TV and radio don’t always understand what people need. But on a daily basis, I’ve dealt with all kinds of people – husbands and wives, seniors, business owners, pro athletes, the media, trust fund babies, etc. Nothing you can bring me would shock me! But everybody’s different. To help them, I sat down with every one of them and talked so I could understand them better. That’s what financial planning is about.”
With all of the tools he’s gathered and the strategies he’s developed, Brian Gilder can help anyone score touchdowns with their financial goals. “A scientist once told me that financial planning isn’t hard,” Brian chuckles. “‘It’s not rocket science,’ is actually what he said to me. He came back a few years later and confessed, ‘You know what, financial planning is HARDER than rocket science!’ The truth is it’s a lot of little things – taxes, estate planning, insurance and so much more. I have a firm grasp on all of those concepts, so I can take anybody