4 Powerful Early Retirement Moves For People In Their 40s

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(*This article has been updated to the top 4 moves)

We’ve chosen these 4 because they can protect your family, protect your wallet, and grow your savings.

1. For People With A Net Worth Over $100k: Take The Retirement Quiz Seen In Forbes, That Will Match You With A Top Advisor (Not Just For The Super Rich)

This retirement quiz from SmartAsset is so good at matching you with a top advisor that it has been in the press on Forbes, The New York Times, and The Wall Street Journal.

If you have a portfolio worth more than $100,000 (it could be cash, stocks, bonds, or other assets), it’ll match you with up to 3 financial advisors, and for a limited time get a free, no-obligation consultation. You can start the 3 minute quiz right here or keep reading.

Managing your money or a portfolio comes with real responsibility—and real opportunity. From optimizing your tax strategy to balancing growth and income needs, a professional advisor can help you make informed decisions that support your goals. The SmartAsset quiz takes just a few minutes and asks a few key questions about your financial situation, timeline, and preferences. Based on your answers, it matches you with advisors who are well-suited to guide your retirement planning.

There’s no cost to get matched or take the quiz, and the consultation is completely free. This is your chance to take your financial future to the next level. Click right here and take the free quiz to get matched with up to 3 fiduciary financial advisors today.

2. Protect Your Family With Up To A 3,000,000 Life Insurance Policy (This Is A No Brainer & As Little As $1 A Day!)

If you have a family, then this is a must. Take 2 minutes right now to get a free quote because what would happen if something were to happen to you? An extra $3,000,000 (or whatever coverage you choose) could go a very long way for your family. Even if you have life insurance, you are allowed to have a second policy.

The reality is 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 in your 40s as soon as possible. It’s also best to get higher coverage than you think you need, because people underestimate how much cash their family actually would need.

Life insurance is made fast, easy, and entirely online with the #1 online life insurance provider 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 $3,000,000 in coverage. Don’t put this off until tomorrow, because you might forget about it before it becomes too late.

With Ethos, 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 2 minutes right now.

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

3. Get Up to $5,000,000 In Funding To Grow Your Business & Make More Money (Must Have Over $50k+ In Annual Revenue & Over 1 Year In Business)

Think you got enough cash for your business? That’s great. Think you might need more for payroll, expansion, working capital, equipment, or something else? Most businesses can make use of extra cash to make more money.

It takes just 2 minutes with Fundera to check how much you can get.

If your company is incorporated as a corporation or is an LLC and has over $50,000 in yearly revenue, then you’ve got a good chance of getting funding. Over 85,000 companies have secured more than $2.5 billion through Fundera. The Fundera service is free to use and there’s no impact to your credit score.

Fundera could help your business get to the next level. Just answer a few questions about your business and Fundera will show you pre-approved offers from up to 20 funding options up to $5,000,000 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.

See all your business loan options now. Find out right now how much funding Fundera might get your business.

4. Protect Your Retirement Savings

Americans near retirement are looking for ways to protect what they’ve already saved.

One increasingly popular strategy is adding safe-haven assets—like physical gold and silver—inside a tax-advantaged retirement account. Imagine if you would have invested in gold and silver as it has skyrocketed in price with an account that lets you compound without taxes. Why wait anymore?

Goldco, one of the most trusted names in the industry (over 1,600 five-star reviews and an A+ rating), has created a FREE 2026 Retirement Protection Guide that explains how people are shielding their savings from volatility and inflation.

The kit includes a printed guide, audio guide, and video guide—shipped to your home at no cost.

Get your FREE 2026 Retirement Protection Guide right here. Learn how Americans are protecting their retirement savings today.