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 in your 40s, you’re at the perfect time in life. These moves could help.

1. Get A Financial Pro On Your Team Now (This Isn’t Just For The Super Rich)

There is no better time to plan for your financial future than now, and you can get a financial pro to help. A financial advisor could help you make big money moves (from retirement planning, to investments, to tax planning, to general questions and more). You get a free consultation if you act now as well!

If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), this free service right here from SmartAsset will instantly match you with up to three fiduciary financial advisers to help plan your retirement moves, all legally bound to work in your best interest.

You’ll be offered a free no obligation phone consultation which is great to take advantage of to ask questions. SmartAsset matches 50,000 people just like you with Financial Advisors each month.

This has the potential to be hugely beneficial: Take action now because it’s free for our readers to use the SmartAsset service (and takes just 2 minutes) if you have a portfolio over $50k, don’t let the opportunity pass you up. Answer the short questionnaire right here.

2. Business Owners: Get Up To $5,000,000 In Funding To Take Your Business To The Next Level (Must have at least $50,000 in annual revenue)

Most businesses can make use of extra cash to hire new employees, expansion, working capital, equipment, make an acquisition, invest in research and development, or something else.

If your company is incorporated as a corporation or is an LLC with over $50,000 in yearly revenue, you’ve got a great chance of getting approved. The free service from Fundera will show you up to 20 funding options (from business loans to business lines of credit and more) from $10,000 to $5,000,000 in just 2 minutes, so you can take your business to the next level.

It’s free to use, there’s no obligation, and won’t effect your credit. Just answer a few questions about your business and find out how much you qualify for right here on the Fundera website.

Over 85,000 companies have secured more than $2.5 billion through Fundera. If you’d like they will even provide you with one of their very own lending specialists who can help you go over your options and determine which offer is best for you.

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

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

Make sure to try this because it’s one of the most important things you can do for the protection of your family. 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 for anyone.

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. 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 $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.

4. Get The Free Banking & Accounting Built For Business Owners,Freelancers, & 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.  With Found, 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.

5. Check Your Mortgage Refinance Rates or Home Equity Loan Rates In 2 Minutes

Interest rates have come down a little bit from their highs. For a number of people it makes sense to start looking at whether mortgage refinancing can save you money.

By refinancing, you could potentially save thousands of dollars each year on your home payments. Here’s how it works — you find a new home loan that, ideally, has a lower interest rate and better terms, and then use it to replace your current home loan. Sounds simple enough, right?

With New American Funding you get a 5 year rate protection pledge, which means if rates drop, you can refinance with no fees (terms apply). Check your rates now right with New American Funding in under 2 minutes by answering a few questions and find out how much cash you might be able to get (you can also check your home equity loan rates).

New American Funding has funded $69 billion in home loans since 2010. There is no minimum credit score to get approved with New American Funding.

Find out if a mortgage refinance can save you money with New American Funding now by clicking right here!

New American Funding: NMLS#6606