Are you headed toward your goals? If you’re, you can always do better. And if you’re not, you can always do better.

Regardless of where you’re at, there’s no better time to start making better financial decisions and smarter investments than today. Here are 6 moves 50 year olds could literally try today with little effort right now.

Not all of these below will be suitable for everyone, but take advantage of what’s good for you!

1. Get A Top Financial Advisor To Help You Manage Your Money (And Set You Up For Retirement)

There is no better time to plan for your financial future than right now (especially with the current economy).

A professional money manager/advisor could do wonders for your financial and retirement future. If you have a portfolio size of over $50,000 (it could be a combination of cash, stock, or other assets) getting a second opinion from a pro certainly can’t hurt. Even if you don’t need help picking investments, they can help you create a plan, maximize your Social Security, protect your assets and offer you peace of mind by ensuring you’re on the right track.

These days, there are no-cost online services that make it easier than ever to find trustworthy financial advisers in your area. For example, Wiser Advisor. You fill out a short questionnaire and are instantly matched with up to three local fiduciary financial advisers, all legally bound to work in your best interests.

The process only takes a few minutes, and in many cases you’ll be offered a free consultation.

Nothing to lose, lots to potentially gain: Take a minute and check it out right now.

2. Help Protect Your Family By Leaving Them With Up To $2,000,000 (This Should Be A No Brainer)

We hate to think about it, but who would make the mortgage or rent payments if something were to happen to you? One of the smartest moves you can make is to help protect your family’s financial future. Many people underestimate how much money is needed to provide for their families after they die. This is why life insurance is very important.

The older you are, the more expensive life insurance becomes. And because today is the youngest you’ll ever be, there’s no better time than today to get a life insurance policy.

Life insurance is made fast, easy, and affordable with Ethos, a company that lets you apply online in minutes without leaving your couch (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Coverage ranges from $100,000 – $2,000,000 and may cost as little as the price of a few coffees each month.

You’ll simply answer a few health questions as part of the online application. Ethos has helped protect over 100,000 families and has provided over $34 billion in coverage.

For around $1/day, you can get $250,000 in term coverage from Ethos and term life insurance policies go higher or lower depending on factors like age, health and coverage amount, you can complete the company’s application in 5 minutes. You’ll simply have to answer a few health questions as part of the online application.

Get your free quote from Ethos today and help ensure your family’s financial future is secure.

3. Think About Potential Investments Outside of Stocks And Real Estate

When you think about investing you probably think about stocks and real estate. You might think that investing in fine art by the likes of Banksy and Andy Warhol is only an option for the ultra-rich. But not anymore.

Masterworks is an investment platform designed specifically for investing in contemporary artwork (with a minimum $1,000 investment).

Why? Because, like a fine wine, a piece of fine art can get better — and more valuable — with time.

And maybe because, between 1995 and 2020, contemporary art has outperformed the S&P 500 by 174% — that’s nearly three times the returns — according to the Citi Global Art Market chart.

Masterworks is one of the first art investment platforms, and it’s available by invite only. (Don’t worry; we got you an invitation! skip the waitlist and sign up with Masterworks today) It lets you bypass the hard parts of art collecting, so you can just enjoy the rewards.

Here’s how it works:

• The Masterworks research team watches the art markets to discover which types of works are going up in value.
• Then it sends out an acquisition team to snatch up a piece and offers shares to member investors.
• You select shares to buy (with a $1,000 minimum investment), and Masterworks uses its proprietary data to help you tailor your portfolio based on your financial goals.
• You can earn money by selling your shares to other Masterworks users, or hold onto them and earn your share of the proceeds when Masterworks sells the piece.

4. Get Up To $500k From your Home Equity (Without Getting A High Interest Monthly Bill, This Is Not A Loan)

Interests rates are higher than they’ve been in years. You might want to access a large sum of cash right now, but don’t want to take out a loan with high interest. But now, there is a way to take advantage of being a homeowner to access up to $500,000.00 in cash and avoid having to borrow money at a high interest rate and without selling your home.

Unison might be the solution you’ve been looking for. It has invested in thousands of homes across the United States valued at $6.4 billion, and yours could be next.

Unison could invest in your home, giving you cash today, in exchange for a percentage share in your home’s future appreciation, allowing you to get cash today that you need without needing to pay monthly loan bills. If you qualify, Unison will give you up to $500k or 17.5% of your home’s value. You can take out as little or as much as you’d like. Unlike a loan, there’s no interest, no monthly payments, and no debt.

So what’s the catch? There’s no catch, really. In exchange for its investment, Unison will share in the profit or loss when you finally decide to sell your home and move out (up to 30 years later). If you decide you want to stay longer than 30 years, you can settle the agreement at the end of the term without moving out.

Here’s how it works on the Unison website: After confirming your home is pre-approved by simply entering your address, you’ll need to fill out a quick and easy application with some information, typically completed in just a few minutes or less. Then you’ll be able to speak to a Unison specialist to go over your offer in detail.

See if your home is pre-approved and submit an application in just a few minutes. Find out if you qualify right here. Apply and speak to one of Unisons specialists. In most cases, you can use the money however you’d like. Home improvements, retirement funds, tuition, debt elimination, it’s up to you.

5. Get Into Real Estate Investing With $1,000 (less or more if you want)

4 out of 5 Millionaires make their fortunes from Real Estate, but getting started investing in real estate used to take a lot money.

But now, you can get in the real estate investing game with $10, $500, $5,000, or more!

Invest literally as much or as little as you’d like with HappyNest. Happy Nest can even round up your loose change on every day purchases and invest that into real estate.

HappyNest lets you invest in a diversified commercial real estate portfolio, focusing on single-tenant net-leased properties with short to mid-term leases and other opportunistic investments.

Some of your new tenants include names Fedex, CVS, and Northrop Grumman.

Get started in 3 easy steps:

• Download the HappyNest App
• Link your bank account and decide how much you’d like to invest.
• You’re now a real estate investor!

The objective is to deliver a combination of stable cash distributions and appreciation by owning and acquiring properties leased to pandemic & internet-resistant businesses.

They recently expanded our investment portfolio to also include multi-family and industrial investments that we believe mitigate market risk, boost long-term returns, and deliver stability to our investors.

Signup to HappyNest now and link your bank account to invest a minimum of $10 to start investing.