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The one thing you should do today

The number one thing Americans should do for a well-funded retirement isn't necessarily buying stocks or real estate. While those might be good options, there are other options if you want to grow your nest egg before retirement. Though contributing to a retirement account such as a 401(k) or IRA is crucial, there are other investment opportunities that can help safeguard your financial future.

According to Allianz Life’s annual retirement study for 2024, 35% of respondents highlight that putting a portion of their retirement savings into a product providing lifetime income payments was a top solution to their concern about running out of money.

One alternative worth considering is allocating a portion of your portfolio to gold. A Gold IRA is an option for building up your retirement fund with an inflation-hedging asset. You can do this by opening a Gold IRA with help from American Hartford Gold, a trusted provider of precious metals.

A gold IRA allows you to invest in gold and other precious metals while also providing the tax advantages of a traditional IRA. If you're curious whether this is the right alternative investment, you can order your free information kit today to learn more.

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Make sure your family is secure

According to insurance giant Assurance’s 2024 financial well-being study, 56% of individuals across all income levels worry that their family might struggle financially to upload their current standard of living in the event of their passing. Like retirement, there are things you can do to lessen your anxiety about your money and future.

Life insurance can potentially be used to replace lost income, cover outstanding debts, finance children's education and pay for funeral costs. When you purchase life insurance, you are giving your family the gift of financial protection — ensuring that they will be taken care of if the worst happens.

With SBLI, you can purchase a term life insurance policy tailored to your needs.

Term life insurance offers flexibility when seeking affordable coverage if you’re also balancing other expenses and big financial responsibilities. With terms spanning 10 to 30 years, SBLI can help you easily find and compare coverage so you can find the right policy for your needs and give yourself and your family peace of mind.

SBLI also offers access to features such as LegacyShield, a user-friendly dashboard that helps streamline end-of-life planning. To start protecting your family’s financial future with the support of professional advice, a simple online claims process and no required medical exams, SBLI has your back.

Don’t wait to ‘figure it out when you get there’

According to the 2024 Q1 Quarterly Market Perceptions Study by Allianz Life, a surprising 67% of Americans prioritize their current finances over saving and planning for the future. But waiting until then leads to hasty decisions made in the heat of the moment — decisions that probably won’t be the best for you and your money.

If you find yourself too consumed worrying about your current financial standing to focus on growing your nest egg, consider seeking guidance from a professional to kickstart the planning process.

While it may not sound as thrilling as buying stocks or investing in real estate, proper financial planning with a trusted financial adviser ensures the decisions you make today will keep you on the right track to your retirement goals.

Simply searching “financial adviser near me” might show you some options. But it could take you weeks or even months of sifting through the search results to find one that's a good fit for you, your current financial situation, and your goals for retirement.

That’s where WiserAdvisor comes in. WiserAdvisor is an online platform that connects you with vetted financial advisors. After answering a few quick questions about yourself and your finances, WiserAdvisor matches you with two to three FINRA/SEC registered financial advisers in minutes who are best suited to help you develop a plan to achieve your goals.

You can view the advisors’ profiles, read past client reviews, and schedule a free consultation with no obligation to hire.


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Moneywise Moneywise Editorial Team

The Moneywise Editorial Team is a group of passionate financial experts, seasoned journalists, and content creators who are deeply committed to providing unbiased, relevant, and accurate financial information. With years of combined industry experience, our team is dedicated to maintaining the highest journalistic standards and delivering informative and engaging content. From personal finance and investing to retirement planning and business finance, we cover a broad range of topics to suit the financial needs of our diverse readership. You can trust the Moneywise Editorial Team to empower you with the knowledge and tools necessary to make wise financial decisions.


The content provided on Moneywise is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.