When to seek Financial Advice

Seek financial advice whenever you need clarity, guidance, or aim to maximize your money’s potential.

Achieving your goals depends on the quality and efficiency of your financial plan.

Let our award-winning advisors take care of it for you.

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Financial Planning vs. Stages of Life

Financial planning is a journey that evolves with every stage of life. From the vibrant energy of your 20s to the reflective wisdom of your 60s and beyond, each decade brings its own financial challenges and opportunities. Understanding how to navigate these changes is crucial for securing a comfortable and prosperous future. 

Financial Planning In Your 20s: Foundations and Freedom

Life Events: 

  • Graduating college 
  • Entering the workforce 
  • Moving out on your own
  • Buying your first car
  • Budgeting becomes even more crucial as you balance new income with expenses like rent, car payments, and student loans.
  • Building an emergency fund provides a financial safety net for unexpected expenses, such as car repairs or job transitions, offering peace of mind.
  • Investing in a retirement account early takes advantage of compound interest, setting a strong foundation for future financial independence.
  • Insurance planning is essential, and starting young can lead to more affordable premiums. Key policies to consider at this age include life insurance, income protection, and health insurance. 
  • Debt management strategies help efficiently pay off student loans and credit card debt, freeing up more of your income for savings and investments.

The time to start is NOW!

Our award winning team is always here to help you.

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Financial Planning In Your 30s: Growth and Commitment

Life Events: 

  • Advancing in your career or starting a business
  • Marrying or establishing long-term partnerships
  • Starting a family 
  • Purchasing your first home
  • Investing in your career through further education or skill development can enhance your earning potential.
  • Family financial planning now includes managing a mortgage, and ensuring you’re prepared for the costs of home ownership, children’s education, and shared life goals.
  • Comprehensive insurance coverage becomes even more important, including home insurance to protect your property, Income protection to safeguard your assets, mortgage protection and life insurance to protect your loved ones.
  • Retirement planning should evolve with your career growth, increasing contributions to reflect rising income.
  • Emergency fund adjustments may be necessary to account for the potential costs associated with home repairs and maintenance on top of your regular mortgage payments.

Have a Protection Package in place and boost your Financial Plan in every stage of your life!

Gain immediate access to our comprehensive Protection Package Guide, designed to enhance your financial plan and help you achieve your goals. This guide offers vital tips, step-by-step instructions, and essential strategies for securing your financial future. Don’t wait, download now and start building a stronger financial foundation!

Your journey towards financial freedom starts here!

After you download your guide, one of our expert Financial Advisors will be in touch shortly to provide you with guidance and further relevant information to build you a customised financial plan.

Financial Planning In Your 40s: Reflection and Consolidation

Life Events: 

  • Changing Jobs/Careers
  • Raising a family, with the added complexity of teenage years
  • Possibly caring for ageing parents
  • Sending Kids to College
  • Maximising retirement savings by catching up if you’re behind or maximising contributions as your income peaks.
  • College savings plans for children become a priority, alongside navigating the financial aspects of elder care.
  • Debt reduction, focusing on eliminating high-interest debt and possibly mortgage debt, to free up resources for other goals.
  • You are investing more in your personal health and adjusting your insurance to protect against unexpected health expenses that can impact finances.
  • Reviewing and updating estate plans and wills to ensure financial affairs are in order and aligned with current life circumstances.

Would you like to speak to an advisor?

Our award winning team is always here to help you,.

FREEPHONE 1800-828-800

Financial Planning In Your 50s: Preparing for the Next Chapter

Life Events: 

  • Children leaving home
  • Preparing for retirement
  • Reflecting on life achievements and planning for the future
  • Downsizing or remortgaging to better align with retirement goals and financial comfort
  • Buying investment property as a means to diversify income streams in retirement
  • Focusing on investments to secure and grow wealth as retirement approaches
  • Retirement planning shifts towards fine-tuning savings and investment strategies for imminent retirement.
  • Healthcare planning gains importance, considering long-term care insurance and healthcare costs in retirement.
  • Estate planning becomes a priority to ensure your legacy and wishes are clearly articulated, including plans for any investment properties.
  • Debt management may involve strategic decisions about downsizing to a smaller home or remortgaging to reduce monthly expenses or tap into home equity for retirement funding.
  • Diversifying income through the purchase of investment property can provide additional revenue streams in retirement, but requires careful financial planning to manage the associated risks and responsibilities.
  • Investment review and adjustment are key to ensuring your portfolio is appropriately balanced between growth and risk, especially as you move closer to retirement.

In Your 60s and Beyond: Enjoyment and Legacy

Life Events: 

  • Retiring from full-time work
  • Enjoying hobbies, travel, and leisure activities
  • Volunteering and mentoring, passing on wisdom
  • Income management in retirement involves strategic withdrawal from retirement accounts, optimizing social security benefits, and managing taxes.
  • Healthcare management is critical, with a focus on Medicare, supplemental insurance, and managing healthcare costs.
  • Legacy and estate management focuses on ensuring your financial legacy is secure and aligned with your wishes, including charitable giving and inheritance planning.

Why choose LowQuotes.ie as your financial partner?

Choose us as your financial partner and enjoy the best options the market has to offer.

We work with every lender and provider out there to make sure you get top-notch financial solutions. Our team includes award-winning experts with over 35 years of experience, and we’re proud of our 1,000+ five-star Google reviews. Our advanced software helps us create personalized plans that fit your unique situation perfectly.

Our goal is simple: to go beyond what you expect and build lasting relationships. We value clear communication, honesty, and integrity, always putting your needs first to help you on your journey to financial freedom.

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Google Reviews

LowQuotes.ie
LowQuotes.ie
4.9
Based on 1323 reviews
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Kate L.
Kate L.
I recently dealt with Ross when applying for my life insurance coverage, from my very first conversation with Ross he was attentive, knowledgeable, and genuinely committed to finding the best policy for my needs. Ross took the time to explain the options available, answered all my questions, and helped me navigate through the process with ease.
Gary P.
Gary P.
Bernadine was so helpful from start to finish. She made everything easy for us and was always checking in and keeping us updated on our application, would highly recommend, very professional
Response from the owner: Hi Gary,We’re delighted to hear about your positive experience with Bernadine! It’s great to know that she was able to assist you throughout the process, keeping you updated and making everything easy. We always strive for professionalism and excellent service, and your feedback means a lot to us!If you need any further assistance or have any questions in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
John K.
John K.
Ross was excellent throughout the entire process when I enquired for life and income protection policies. He explained everything in detail and put me under no pressure in selecting the correct policies. He helped me understand everything and kept me informed throughout.
Response from the owner: Hi John,We’re thrilled to hear about your positive experience with Ross! It’s fantastic to know that he was able to explain everything in detail, help you understand your options, and ensure you felt no pressure in choosing the right policies. Keeping you informed throughout the process is always our priority.If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Vidhi S.
Vidhi S.
My husband and I had a great experience working with Ross from the LowQuotes team for our mortgage protection policy. From the start, he was genuinely helpful, patient, and easy to communicate with.Ross took the time to walk us through the policy in detail, answered all our queries without any delays, and always provided clear and practical solutions. What stood out the most was his flexibility and willingness to adjust to our schedule, ensuring we had the support we needed every step of the way.His professionalism and customer service made the entire process straightforward and hassle-free. Highly recommended services!
Response from the owner: Hi Vidhi,We’re thrilled to hear about your positive experience working with Ross! It’s wonderful to know that he was able to provide helpful, clear, and patient guidance throughout the mortgage protection process. We always strive to make things as smooth as possible, and it’s fantastic to hear that Ross’s flexibility and professionalism stood out to you.Thank you for recommending our services! If you ever have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
David O C.
David O C.
I found my advisor to be very personable, well informed and courteous.
Response from the owner: Hi David,We’re delighted to hear about your positive experience with your advisor. It’s great to know they were able to assist you with helpful information in a courteous and personable manner. We aim to provide the best service possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Helen L.
Helen L.
Colin was very easy to talk to today and very helpful with my quote. Would highly recommend Low Quotes, very good service.
Response from the owner: Hi Helen,We’re delighted to hear about your positive experience with Colin! It’s great to know he was able to provide you with helpful guidance and make the process easy to navigate. We truly appreciate your recommendation, and we’re glad you had a great experience with our service.If you need further assistance or have any questions in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Patricia F.
Patricia F.
I made a few "random" insurance inquiries online. Only Ross from Low Quotes came back to me. He was very knowledgeable and at no point did I feel under pressure to buy. He was a lovely mixture of kind , friendly and still so professional. My experience in the past has tended to be that once you contact insurance reps you'll be under constant pressure to buy. Not so with Ross, quick to respond to your question, but when he contacts you it's a case of "I'm here when you want", no feeling of pressure to buy. Would highly recommend.
Response from the owner: Hi Patricia,We’re so pleased to hear about your positive experience with Ross! It’s wonderful to know that he was able to provide you with the knowledge and support you needed, while making sure you never felt pressured. We strive to offer a balance of friendliness and professionalism, and we’re happy to hear Ross was able to deliver that.Thank you for recommending our services! If you ever have any more questions or need assistance in the future, don’t hesitate to get in touch.Best Regards,LowQuotes Team
katie F.
katie F.
Very good experience as Cormac logue was v helpful and co-operative to what we were looking for and what we needed. He was accommodating on contacting us and helpful in explaining what we need and what is of best value!
Response from the owner: Hi Katie,We’re delighted to hear about your positive experience with Cormac! It’s great to know that he was able to assist you in finding exactly what you needed, and that his helpfulness and cooperation made the process easier. We always aim to offer the best value, and we’re glad Cormac could provide that clarity for you.If you need any further assistance or have any questions in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Jenny M.
Jenny M.
Great service, really helpful and informative. We were dealing with Colin who was so friendly and helpful with any questions that I needed answers for. Also he was great at explaining things in a way that I could understand. Thanks for everything Colin!
Response from the owner: Hi Jenny,We’re delighted to hear about your positive experience with Colin. It’s great to know he was so friendly and helpful, and that he took the time to explain everything in a clear and understandable way. Your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Silvester B.
Silvester B.
Very good service
Response from the owner: Hey Silvester,We’re delighted to hear that you had a great experience with our service! Providing top-notch support and making the process smooth for our customers is always our goal.If you ever need any assistance in the future, don’t hesitate to reach out. Thanks for your review!Best Regards,LowQuotes Team
Gareth E.
Gareth E.
Cormac was very responsive and super helpful. We can always pick up the phone and get hold of him, and he responds very quickly via email. Definitely using LowQuotes.ie again.
Response from the owner: Hey Gareth,We’re thrilled to hear about your positive experience with Cormac! Providing responsive and helpful service is what we strive for, so it’s great to know he was able to assist you quickly and efficiently. We truly appreciate your trust in LowQuotes.ie and look forward to helping you again in the future!Best Regards,The LowQuotes Team
Sayyada Z.
Sayyada Z.
Low Quotes guys are superb. Fantastic service
Response from the owner: Hey Sayyada,Thank you for your kind words! We’re delighted to hear that you found our service fantastic. Your support means a lot to us! If you ever need anything in the future, we’re always here to help.Best Regards,The LowQuotes Team
Anne Marie Mc G.
Anne Marie Mc G.
Ross was really nice & helpful going through the mortgage protection with us.
Response from the owner: Hey Anne Marie,We’re so glad to hear that Ross was able to guide you through your mortgage protection and make the process easier for you! We appreciate your feedback and are always here to help if you need anything in the future.Best Regards,The LowQuotes Team
Cathy K.
Cathy K.
Shaun explained the policy to me as applicable to my health needs in simple understandable terms which was really great. He answered all my questions simply. Really great advice and I was very happy I contacted low quotes today.
Response from the owner: Hi Cathy,Thank you for your kind review! We’re delighted to hear that Shaun was able to explain everything clearly and provide you with great advice tailored to your needs. Making the process simple and easy to understand is exactly what we aim for, so it’s fantastic to know you had such a positive experience.If you ever have any further questions or need assistance in the future, don’t hesitate to reach out. We truly appreciate your feedback and for choosing LowQuotes!Best regards,The LowQuotes Team
Sara W.
Sara W.
A huge THANK YOU to Niamh McCaul, our primary point of contact at LowQuotes.ie, during a two-year mortgage approval process. She stayed on top of our case, was extremely responsive, and helped us overcome every obstacle along the way.
Response from the owner: Hi Sara,Thank you for your wonderful review! We’re so pleased to hear that Niamh provided you with exceptional support throughout your mortgage approval process. A two-year journey can be challenging, and we’re delighted that she was able to stay on top of everything, offering guidance and responsiveness every step of the way.We truly appreciate your kind words and for choosing LowQuotes. If you ever need any further assistance in the future, don’t hesitate to reach out. Wishing you all the best in your new home!Best regards,The LowQuotes Team
Sarah H.
Sarah H.
Great service. We needed to get everything in place as fast as possible when buying a house and Aoife was absolutely fantastic. Great communication, had everything sorted so quickly and made it very easy for us. Would highly recommend.
Response from the owner: Hi Sarah,Thank you for your wonderful review! We’re delighted to hear that Aoife was able to assist you so efficiently during such an important time. We understand how crucial it is to have everything in place quickly when buying a home, and we’re so glad she made the process smooth and stress-free for you.We truly appreciate your recommendation, and if you ever need any further assistance in the future, don’t hesitate to reach out. Wishing you all the best in your new home!Best regards,The LowQuotes Team
Liz R.
Liz R.
I won't lie I came upon lowquotes by accident when in a flurry of trying to organise insurances. Thankfully after I got a quote online an agent called Dylan Chadwell called me to follow up. He was such a pleasure to deal with and he explained everything without technical jargon. I am so grateful because within 48 hours I went with one of the polices he recommended. I would not hesitate to recommend them.It's lovely to deal with real people and Dylan seems like one of the nicest!
Response from the owner: Hi Liz,Thank you for your fantastic review! We’re so glad that even by accident, you found us – and even happier to hear that Dylan was able to guide you through the process with ease. Ensuring that our clients receive clear, jargon-free explanations and the best recommendations is exactly what we strive for, and we’re delighted Dylan made the experience a positive one for you.We truly appreciate your recommendation, and if you ever need any further assistance, don’t hesitate to reach out. Wishing you all the best!Best regards,The LowQuotes Team
Samantha M.
Samantha M.
I dealt with Cormac Logue and he was excellent. Went through the process there and then with me and was extremely informative. I highly recommend Cormac.
Response from the owner: Hi Samantha,Thank you for your kind review! We’re delighted to hear that Cormac provided you with such excellent service and made the process clear and informative. Ensuring our clients feel supported and well-informed is always our priority, so your feedback means a lot.We truly appreciate your recommendation, and if you ever need any further assistance, don’t hesitate to reach out.Best regards,The LowQuotes Team
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Your Questions Answered

Think of a financial plan as your GPS in the world of money. Whether you’re saving for a car, planning a big trip, or just wanting to manage your bills better, having a plan helps you get where you want to go without unnecessary detours.

The best time to start was yesterday, and the second-best time is now! It’s never too early or too late to get your finances in order. Starting young gives you a fantastic head start, but making a plan at any age can help improve your financial well-being.

You can definitely start on your own by setting goals and budgeting. However, chatting with one of our financial advisors can be a game-changer for more complex things like investments, retirement planning, or tax strategies. We can offer tailored advice and insights you might not have considered.

 

Life changes, and so should your financial plan. A good rule of thumb is to give it a once-over annually or after significant life events (think marriage, baby, new job). This way, you can adjust your plan to stay on track with your goals.

A financial plan considers the big picture. It covers income, expenses, savings, investments, debt management, insurance needs, retirement planning, and any other financial goals. Think of it as a comprehensive roadmap for your financial future.

Got more questions? Don’t hesitate to reach out to us for tailored financial advice. 

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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at Lowquotes.ie hope you, your family and your loved ones stay safe & healthy in this time.

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