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.

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 and retirement 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. Turn Some Of Your Home Equity Into A Lot Of Cash (Instead of Paying Sky High Credit Card Interest)

If you’re in need of cash to do something like pay off debt, make a home improvement or make any other kind of large purchase, you could use your home to take out a lower interest home equity loan instead of using a high interest credit card or other higher interest loan. You could use the cash for virtually anything you want and potentially save lots of money in interest payments.

Check your rates now right here with LendingTree in under 2 minutes by answering a few questions and find out how much cash you might be able to get.

A home equity loan allows you to borrow money using the equity in your home as collateral. Because you’re using your home as collateral you usually can get much better interest rates than other loans or using a credit card. You receive the money from a home equity loan as a lump sum, and you pay back the loan in monthly payments.

LendingTree is an online marketplace that could help you get a large sum of cash against the equity in your home quickly. It has been finding top loan options for Americans for more than 20 years.

4. Get A Cash Offer For Your Home In 3 Minutes (Without A Real Estate Agent)

Thinking about upgrading or downsizing? Why wait. Maybe you’re just curious about how much money you can get for your home or want to move. Whatever the reason, did you know there’s a way you could receive a cash offer within 24 hours without any broker/agent, or any showings?

Offerpad could give you a competitive cash offer right now. Offerpad is only available in Alabama, Arizona, Colorado, Florida, Georgia, Indiana, Kansas, Missouri, Nevada, North Carolina, Ohio, South Carolina, Tennessee, and Texas.

All you need to do is fill in a 3-minute questionnaire. Just fill in some info and Offerpad will carefully evaluate your home with local market expertise.

If you choose to accept your offer, Offerpad will also provide you with free local moving to your next place. You can also pick your closing day, which could be in as little as 24 hours, or choose to extend your stay to live in your current home a little longer.

Find out what your home’s cash offer is in 3 minutes right now.

5. 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 $5,000 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 $5,000 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.