8 Powerful Retirement Moves That Could Be Made Today

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 even close to retirement, there’s no better time than today. Whether it’s retirement or your financial future next week, here are 8 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. Make Your Money Go Further

Are you ready for retirement? Do you have enough saved? Making the right investments? Tax & estate planning? Taking advantage of catch-up contributions to retirement accounts such as 401(k)s and IRAs to put as much as possible in your retirement savings?

A study published by the Canadian research center CIRANO found that households that engaged with financial advisors for a period of 15 years or longer accumulated 290% more assets than those who didn’t consult with financial advisors.

It probably makes sense to at least talk to a professional and see if they can add value.

A company named SmartAsset works with a robust network of financial advisors all across the U.S., including individual advisors and large investment firms to cater to anyone’s financial situation. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.

If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), check out the free service from SmartAsset. Start by taking the retirement quiz right here from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes. Smart Asset is now matching over 50,000 people a month.

Here’s how it works:
1. Answer SmartAsset advisor match quiz
2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.
3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future

If you have a portfolio value of over $50,000 why not try it? Take the retirement quiz right here.

2. Get Up To $500k Cash From A Company That Wants To Invest In Your Home, Without Having To Move (This is not a loan and has no monthly payments!)

Your home is extremely valuable but it’s hard to access that value unless you sell. Pulling cash out of your home could do things like help you pay off debt or fund home renovations. But depending on how you do it, it could also add extra debt while increasing your monthly payments or interest.

Unlock Technologies might be the solution you’ve been looking for. Unlock can invest in your home, giving you cash today, in exchange for a percentage share in your home’s future value, allowing you to cash in on your home’s equity and take advantage of the home equity boom without needing to move. If you qualify, Unlock will give you up to $500k of your home’s value for a percentage of your homes future value. Unlike a loan, there’s no interest, no monthly payments, and no added debt.

Get your no obligation cash offer estimate in 3 steps taking less than 60 seconds:

1. Enter your address.
2. Enter some basic property information.
3. Instantly get your no obligation cash offer estimate.

Unlock has helped over 10,000 homeowners, and has a 4.7 out of 5 TrustPilot score, and A+ rating with the BBB.

Unlock might be a great home equity loan alternative. So what’s the catch? There’s no catch, really. In exchange for its investment, Unlock will share in a portion of your homes future value. If you decide you want to stay longer than 10 years, you can settle the agreement at the end of the term without moving out.

Get an estimate of how much cash you could get now in just 60 seconds. Find out if you qualify right here. Just enter your address and some basic information to get your cash offer. In most cases, you can use the money however you’d like. Home improvements, retirement funds, tuition, debt elimination, it’s up to you.

3. Use Your Home To Access Cash At A Lower Interest Rate

If you’re in need of cash to do something like pay off debt, make a home improvement or make any other kind of large 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.

4. Business Owners: Get Funding Of Up To $5,000,000 To Take Your Company To The Next Level (Must Have Over $50,000 In Annual Revenue & Been In Business At Least 1 Year)

Think you could make use of more cash for working capital and payroll, expansion, purchasing inventory or equipment, acquisitions, or something else? Most businesses can make use of extra cash to grow and make more money. It’s good to have extra cash you can access any time needed.

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 with over $50,000 in yearly revenue and have been in business for at least 1 year, you’ve got a great chance of getting funding with Fundera right now.

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.

5. Under 60? Protect Your Family With Up To $3,000,000 With Affordable Life Insurance Coverage

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.

If you’re looking for life insurance coverage, coverage ranges from $100,000 to $3,000,000 and you can apply online in 5 minutes with Ladder. Ladder is a company where you can actually lock in your rate. As you age and your health may decline, you’ll get to keep paying that same low premium. Ladder lets you apply online in minutes without leaving your couch and get personalized term life insurance offers based on your needs.

Ladder is 100% digital for coverage up to $3 million in coverage which means no medical exams or filling out paperwork! You’ll simply answer a few health questions as part of the online application. Ladder has has provided over $65 billion in coverage.

Term life insurance policies go higher or lower depending on factors like age, health and coverage amount.

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

Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products.

6. Get In Better Shape

Live your best life in retirement. Tried lots of diets? Yea, lots of us have been there and done that. Want to get into shape?

Try Noom. This digital health company has a goal of helping people live healthier, happier lives. Noom uses the latest in proven behavioral science to empower people to take control of their health for good.

Through a combination of psychology, technology, and human coaching, the Noom platform has helped millions of our users meet their personal health and wellness goals. While they started with weight management, now they’re working to expand their behavior change platform to help people with chronic and non-chronic conditions, such as stress and anxiety, hypertension, and diabetes, and build a healthier world for all.

Fill out a quick questionnaire and get a free 7-day trial. Find out if Noom can help you!

7. Get Up To $50,000 To Pay Off Your Credit Card Debt

Credit card companies make lots of money charging their customers high interest, you do not need to be one of them.

Did you know you could get out of this debt spiral by using a personal loan to pay off your credit card debt? That’s because personal loans typically have a lower interest rate than a credit card.

LendingTree makes it super easy to see multiple options in one place, and apply for a personal loan in minutes online. Personal loans with LendingTree start at 6.99% APY, that could be a huge saving versus what credit card interest rates charge you. You’ll then be able to choose which personal loan is right for you, you can then get your credit card debt paid off as early as one business day.

It’s common that someone takes out a personal loan to pay off their credit card debt, and then begins paying off the lower interest personal loan.

You can also use a personal loan to pay off other types of debt, fund a vacation, or really anything you want. Check your rates right here.

8. This Company Wants To Give Homeowners Up To $600,000 Without Them Selling (Get Another Offer)

Your home has probably skyrocketed in value and is probably very valuable but it’s hard to access that value unless you sell. But now, there is a new way to access your home equity for cash without needing to move or taking out a loan. You can use that cash to pay off high interest debt, home improvements, or basically anything you want.

Hometap might be the solution you’ve been looking for. Hometap invests in your home, giving you cash today, in exchange for a percentage share in your home’s future appreciation. If you qualify, Hometap will give you up to $600k or 25% of your home’s value in cash. Unlike a loan, no monthly payments, and no debt.

So, what’s the catch? There’s no catch, really. In exchange for its investment, Hometap will share in the profit or loss when you finally decide to sell your home and move out (up to 10 years later). If you decide you want to stay longer than 10 years, you can settle the agreement with Hometap at the end of the term without moving out through a cash payment or refinancing.

Get an estimate of how much cash you can get now. See if you prequalify for a Hometap investment in less than two minutes by clicking right here. You can use the money however you’d like: make home improvements, fund a child’s education or your retirement, eliminate debt … it’s up to you.