Making smarter decisions today can really payoff big.

If you’re under 60, you might think you can wait but there’s no better time than now (getting a head start could make a huge difference than starting later on). Here are 3 top ways you could start making progress today!

1. Get A Top Financial Advisor To Help You Reach Your Money Goals (And Set You Up For Your Future)

There is no better time to plan for your financial future than today.

And 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, stocks, bonds or other assets) getting a second opinion from a pro certainly can’t hurt. A financial advisor could help you create long-term strategies for building wealth and managing risk. They can help you track, manage and balance your investment portfolio. They can also provide helpful advice on lots of other financial issues and decisions from tax planning, estate planning, financial planning, and more.

These days, there are no-cost online services that make it easier than ever to find trustworthy financial advisers in your area. For example, WiserAdvisor. 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 about a minute, and you’ll be offered a free consultation. WiserAdvisor is America’s oldest and largest independent network of prescreened financial advisors.

The best advisors break down confusing financial language in ways you can easily understand. And they’ll work with you, as a partner, to make a game plan that puts you on track to achieve your financial goals and retirement dreams.

This has the potential to be hugely beneficial: Take a minute to fill out the short questionnaire 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 through 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.

*Sample quote based on 20 yr term for a 40 year old healthy non-smoking male.