Making smarter decisions today can really payoff big. If you’re over 40, there’s no better time than now. Retirement age comes at you pretty fast, and who wants to wait till 65 to retire?

We always think we’ll wait until tomorrow, but why not try some of these 6 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 and retirement future than today.

And a professional money manager/advisor could do wonders for your financial and retirement future. 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 plan for retirement, 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.

If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), 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 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.

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 (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.

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.

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. Get A Cash Offer For Your Home Online Now

Have you been thinking about upgrading or downsizing or maybe cashing out? 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 Arizona, Colorado, Florida, Georgia, Indiana, Kansas, Missouri, Nevada, North Carolina, 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. They’ll give you a free, no obligation cash offer within 24 hours.

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.

4. Try This Instead Of Using High Interest Credit Cards

If you want cash to do something like pay off debt, make a home improvement or make any other kind of 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.

5. Invest In Short Term Notes That Pay Over 5% APY Interest

Are you an accredited investor? An accredited investor meets one of the following three requirements: 1) Has an annual income of at least $200,000, or $300,000 if combined with a spouse’s income; 2) Holds a valid Series 7, 65, or 82 license; 3) Has a net worth of $1 million or more, excluding the value of a primary residence.

EquityMultiple is a company that has distributed over $298 million to investors. They bring you exclusive investment opportunities. They combine industry-leading asset management, innovative technology, and personalized support to bring you a truly unparalleled investing experience.

They offer the Alpine 3 Month Short Term Notes that pays a 5.85% APY with a minimum investment of $5,000 that you can click here to sign up for.

The Note can be a great opportunity for investors looking for a high-yield alternative to a traditional savings account or CD.

Alpine Notes are short term, and carry the option to redeem early to invest into other offerings after holding the note for 30 days.

EquityMultiple also offers many real estate projects to invest in, they have a total project value of over $4.4 billion and have distributed over $298 million to investors

6. Find Investment Opportunities (The Stock Market Has Been Up Big This Year)

Are you someone that loves investing? Always got an eye on the stock market? Or want to participate or learn more?

Getting a second opinion on your current portfolio or about a portfolio you want to start, has the potential to be a big game changer.

And now you if you have a portfolio of over $50,000 (could be cash, stocks, bonds, or otherwise) you can get an absolutely free consultation with an investment pro. There’s absolutely no obligation to sign up with anyone.

Click here to get matched with up to three local or national investment professionals, by answering a few basic questions.