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

If you’re a parent under the age of 55, there’s no better time than today. Whether it’s retirement or your financial future next week, here are 6 top moves that could be game changers.

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. Get A Top Financial Advisor With Ease (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 top financial advisor could help you make big money moves (from budgeting, to investments, to tax 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), answer the short questionnaire right here, and 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.

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 as soon as possible before it gets too expensive or you forget about it and it becomes too late. It’s also best to get higher coverage than you think you need, because people underestimate how much cash they actually need. Don’t put off protecting your family’s future any longer.

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.

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.

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. For Business Owners: Get You Business All The Cash It Needs (Borrow Up to $5,000,000)

Think you got enough cash for your business? That’s great. Think you might need more? Especially now with banks being much more tight. Check how much you qualify for now.

Fundera could help your business get to the next level. Fundera will show you a list of multiple loan funding options for your business in 2 minutes, so you can choose what’s best for you.

After you answer a few questions, Fundera will show you a list of your potential lending options in one place. 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 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.

4. Take Your Financial Game To Potential New Heights With A Financial Plan

When it comes to finances, just winging it could lead to all kinds of stresses and challenges. A financial plan could be a game changer.

A company named Domain Money offers a new kind of financial planning led by experienced financial services leaders from Marcus by Goldman Sachs, SoFi, Honey, and Clarity Money.

They put the pieces of your financial puzzle together and provide a clear, actionable plan to take the stress out of money. Domain provides members with a simple but incredibly comprehensive financial plan covering investing, saving, and insurance – your entire financial life. Once you’ve got your plan you can access additional advice on-demand from your CFPⓇ professional via hourly sessions or plan updates. Domain Money claims that their on-demand pricing will let clients save $100,000s in fees over a lifetime compared to conventional advisors who charge a recurring annual fee equal to a percentage of funds under management.

How it Works:

• Meet your expert financial advisor
• They’ll analyze your finances
• Together with your advisor, They’ll put your one page plan into action

What sets Domain Money apart from its competitors?

• They build completely customized financial plans covering your entire financial life including budgeting, investments and insurance.
• Upfront flat-fee payment model meaning they don’t charge assets under management (AUM) fees (Typically 1%)
• They don’t require that you move your assets to Domain Money
• They don’t push you to buy products.
• They don’t have minimums.

Start by scheduling your free money strategy session to learn more. Use this to ask all the questions you want and decide for yourself if Domain Money is right for you.

*Based on an initial investment of $100,000, 7% annual return with a traditional advisor charging 1% per year vs Domain charge of $2,500 initially and $500 every other year thereafter.

5. Get The All-In-One Banking Solution Made For The Self-Employed

Are you self-employed? A freelancer? Sole proprietor? Single member LLC? Gig Worker? 1099 Contractor? Small business owner?

Managing your finances can be a big task when you are your own boss. Fortunately, Found 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 business checking account ✓ Free Mastercard © debit card ✓ Helpful tax savings tools ✓ User-friendly bookkeeping support ✓ Fast and easy contractor payments ✓ Professional and customized invoicing

Sign up for an account here 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.

6.Reminder: Get Top Life Insurance Protection For You And Your Family

Life insurance is mentioned twice in this article because of how important it is. Don’t leave this this until tomorrow, it could be too late or too expensive. It’s too important for your family, and it takes less than 60 seconds to get a free quote right now. It’s best to lock in a lower price as soon as possible because life insurance typically gets more expensive as you get older.

It’s free to get a quote now from 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. Get up to $2,000,000 in coverage.

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.

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