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 45 years old, there’s no better time than today. Whether it’s retirement or your financial future next week, here are 4 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. 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 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.

2. Get A Top Financial Advisor With Ease (This Is Not Just For The Super 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.

3. Think About Potential Investments Outside of Stocks And Real Estate, There’s Another Asset that Has Outperformed

When you think about investing you probably think about stocks and real estate. You might think that investing in fine art by the likes of Banksy and Andy Warhol is only an option for the ultra-rich. But not anymore.

Masterworks is an investment platform designed specifically for investing in contemporary artwork. It lets you buy shares of artwork.

Why? Because, like a fine wine, a piece of fine art can get better — and more valuable — with time.

Looking to invest $5,000 or more? You can now get priority access to their new offerings and book your free no-obligation intro call with a Masterworks specialist, skip the waitlist and sign up with Masterworks today. Once you request your invite, make sure to browse all the artwork on the site.

Masterworks is one of the first art investment platforms, and it’s available by invite only. It lets you bypass the hard parts of art collecting, so you can just enjoy the potential rewards.

Looking to invest $5,000 or more? Set up your intro call with Masterworks and browse all their artwork investments.

4. 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.