Making smarter decisions today can really payoff big. You likely know this, and that’s why you’re reading this. No more time to waste, so let’s jump right in.

If you’re in your 40s, there’s no better time than today. Whether it’s retirement or your financial future next week, here are 7 top moves.

We always think we know best, but sometimes there are options right in front of us that could help us more than we’ve imagined.

1. Potential Game Changer: Get A Financial Professional On Your Team (This Is Not Just For The Wealthy)

There is no better time to plan for your financial future than now, and you don’t have to do it alone.

A financial advisor could be a game changer. If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), answer the short questionnaire right here, and the free service from WiserAdvisor will instantly match you with up to three fiduciary financial advisers, all legally bound to work in your best interest.

You’ll be offered a free consultation to make up your mind. WiserAdvisor is an independent matching service that helps individuals find the best financial advisor for their unique needs. They have successfully helped over 100,000+ individuals like you find their ideal financial advisor since 1998.

This has the potential to be hugely beneficial: It’s free to use the WiserAdvisor service if you have a portfolio over $50k, don’t let the opportunity pass you up. Enter your zip code and answer the short questionnaire right here.

2. Protect Your Family With An Extra $2,000,000 In Life Insurance Coverage (This Is A Must And Is Affordable!)

If there are important things you do today, make sure this is on the list because one of the most important things you can do for the wealth of your family is to protect them. We hate to think about it, but who would make the mortgage or rent payments if something were to happen to you? An extra $2,000,000 could go a very long way.

Life insurance is made fast, easy, and entirely online with Ethos, a company that lets you apply in minutes (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Get up to $2,000,000 in coverage. Don’t put this off until tomorrow, because you might forget about it before it becomes too late. The longer you wait to get life insurance, the more expensive it becomes. That’s because prices go up as you age. It’s best to lock in a low rate as soon as possible.

With Ethos, you’ll simply answer a few health questions as part of the online application. Ethos has helped protect over 200,000 families and has provided over $65 billion in coverage. Ethos is the #1 online life insurance provider.

Coverage is affordable through Ethos, 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 right now.

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

3. Find Out How Much Your Home Could Sell For In 3 Minutes Now, Admit It You’re Kinda Curious (no real estate agent needed)

You might want to upgrade or downgrade your current home. Maybe you want to move. Or maybe you’re just curious to know what you can currently get for your home? Whatever the reason, did you know there’s a way you could receive a no obligation cash offer within 24 hours without any broker/agent, or any showings? And it might be a really great offer (there are no real estate agent fees).

There is no obligation to sell and it’s completely free to check what your offer is: Offerpad could give you a competitive cash offer right now. Plus, they’ll show you other potential selling options that could be beneficial you may not have thought of.

All you need to do is enter your address and answer a 3-minute questionnaire. Just answer some questions about your home 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 longer.

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

4. For Business Owners: Get A Loan Of Up To $5,000,000 To Take Your Company To The Next Level

Think you got enough cash for your business? That’s great. Think you might need more for payroll, expansion, equipment, working capital, or something else? Check how much you qualify for now.

Fundera could help your business get to the next level. Just answer a few basic questions about your business and Fundera will show you a list of multiple loan funding options from $10,000 up to $5,000,000 for your business in 2 minutes, so you can choose what’s best for you. They will even provide you with one of their very own lending specialists who can help you go over your options and determine which loan is best for you.

If your company is incorporated as a corporation or is an LLC and has over $50,000 in yearly revenue and been in business at least 2 years, then you’ve got a good chance of getting funding. Over 85,000 companies have secured more than $2.5 billion through Fundera.

Find out right now how much funding Fundera might get your business.

5. Homeowners Can Access Up To $600k Cash From Their Home Equity Without Adding Any Debt (This Is Not A Loan!) * Only Available In Arizona, Florida, and Pennsylvania

You’ve probably at least considered selling your home. But of course, you might have trouble finding a new home, or you might just love your current home too much to leave it.

Hometap might be the solution you’ve been looking for. Hometap invests in your home, giving you cash today, in exchange for a percentage share in your home’s future appreciation, allowing you to cash in on your home’s equity and take advantage of the value of your home. Unlike a loan, there’s no interest, no monthly payments, and no debt.  If you qualify, Hometap will give you up to $600k or 30% of your home’s value in cash.

So what’s the catch? There’s no catch, really. In exchange for its investment, Hometap will share in the profit or loss when you finally decide to sell your home and move out (up to 10 years later). If you decide you want to stay longer than 10 years, you can settle the agreement with Hometap at the end of the term without moving out.

Get an estimate of how much cash you can get now. Simply enter some basic property and personal information to get your estimate. You can use the money however you’d like: make home improvements, fund a child’s education or a life event, fund your small business, eliminate debt … it’s up to you what you do with the money.

6. Get Your Vehicle Protected From Costly Repairs

Nobody likes it when their check engine light comes on, especially when your car is out of warranty. That can mean expensive auto repairs.

There is a company called CarShield that could help you avoid those expensive auto repairs. They have covered over 2 million cars on the road and have paid over $1 billion in administrator claims. They have been serving customers for almost two decades and are highly rated on Google.

CarShield provides auto warranty plans to save drivers money on covered car repairs. They offer plans covering parts like your engine, transmission, drive axle, brake system, air conditioner, water pump, alternator, fuel pump, power windows, radiator, suspension, electrical, and more.

You provide basic information about your vehicle to CarShield, and they will help you find the best plan options for your vehicle and budget. Choose your coverage level and protection plan. You will be amazed by the affordability and flexibility of their service plans. They offer coverage options that fit every budget.

Head to Carshield to get protected and find out if you can save money now.

7. Get The Banking Built For Freelancers, Independent Contractors, Or Solopreneurs

Managing your finances can be a big task when you are your own boss. Fortunately, there’s a company that has built an all-in-one banking solution for the self-employed. Found offers an online bank account, along with bookkeeping, taxes, and other financial tools, to help self-employed individuals grow their businesses. It’s free to sign up in a few minutes, with no credit check, no minimum balance, and no hidden fees. Deposits are insured up to $250K through their banking partner, Piermont Bank.

• Free bank account, free debit card, no credit check, no minimum balance and no hidden fees
• Banking, taxes, bookkeeping – all in one place
• Real-time expense tracking and categorization with easy receipt capture
• Simplify tax season with automated tax saving, write-off tracking, and the option to pay taxes directly from Found
• Customize and send professional invoices in seconds for free
• Integrates with popular business apps, including Quickbooks, PayPal, and Stripe
• Sign up in minutes. No credit check. No minimum balance and no required fees

Ready to take your self employed banking to the next level? Sign up for an account here for free in under 5 minutes.

Disclaimer: Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

8. Take This Retirement Quiz

Are you ready for retirement? Planning for retirement can be overwhelming, that’s why it could be a good idea to speak to a fiduciary financial advisor about your goals.

A company named SmartAsset works with a robust network of financial advisors all across the U.S., including individual advisors and large investment firms to cater to anyone’s financial situation. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.

If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), check out the free service from SmartAsset. Start by taking the retirement quiz from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes. Smart Asset is now matching over 50,000 people a month.

Here’s how it works:
1. Answer SmartAsset advisor match quiz
2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.
3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future

If you have a portfolio value of over $50,000 why not try it? Take the retirement quiz right here.