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.

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. 

LowQuotes.ie
4.9
Based on 1553 reviews
michael B.
michael B.
Cormac logue was very professional and very helpful, thanks Cormac
Rachel L.
Rachel L.
Colin was a fantastic help. He made the whole process painless. Would highly recommend their services.
Josip P.
Josip P.
We will always be grateful for all Bernardine has done for us getting over the line securing our forever home. She was there for us every single step and super easy to deal with. True professional full of experience and amazing human being. I would absolutely recommend Bernardine to anyone looking to start journey of buying home, one thing I know for sure we wouldn't do it without her. Bernardine huge thank you again from our little family
Jenny C.
Jenny C.
Cormac is very helpful. Was straightforward over the phone application. His explanation was clear and simple.
MaikeL
MaikeL
Really happy with the service and help from Tiernan. He was so helpful from finding a bank to closing deal on buying an apartment. Would definitely recommend LowQuotes and Tiernan to anyone
Grace Mc C.
Grace Mc C.
Well wow what can I say,I have never ever dealt with any insurance companies that have ever given me the experience I had with low quotes.i dealt with seamus phelan and from start to finish this guy was amazing he was on top of his game.i felt so comfortable and I felt like he related to everything we spoke about.such an amazing guy working for such a fantastic company,people like him who work for such big companies are few and far between.low quote you got an amazing worker there,companies need more people like him I'll be 100perc returning again on renewal to the.thqnk u so much shamus and low quotes.id 100per recommend them and if ur feeling over whelmed deal with shamus he will make you feel very at ease.
Noel K.
Noel K.
Recently got mortgage protection from Aoife at lowquotes, she got us a great deal, was extremely helpful, explained everything clearly and answered all our questions no bother at all, I would highly recommend her
Ciara Mc D.
Ciara Mc D.
dealt with Cormac for my life insurance he was fantastic answered all my questions and helped me secure the best deal for my family and I. I would highly recommend him and this company they do all the hard work for you and get you fantastic deals at a fraction of the price.
Adrian M.
Adrian M.
Really happy with the service and help from Rebecca. She was so helpful. Would definitely recommend LowQuotes and Rebecca to anyone looking for life assurance.
Yassine B.
Yassine B.
I recently dealt with it, and I’m very happy with the experience. The process was smooth, professional, and clearly explained from start to finish.A special mention to Colin, the Financial Advisor, he was absolutely fantastic. Colin took the time to go through all the options with me, explained everything in a simple and honest way, and made sure I understood what was best for my situation. His professionalism, patience, and genuine care made the whole process easy and stress-free.
Derek L.
Derek L.
Everything went smoothly and efficiently. Aoife was kind and patient, taking the time to walk me through everything.
Sinead
Sinead
Excellent service and Rebecca was very helpful
Emma Mc E.
Emma Mc E.
Excellent service very professional and super friendly highly recommend Alan goes over and beyond for his customers
Tracy D.
Tracy D.
Fast and easy process
Ita F.
Ita F.
Would highly recommend. Rebecca put us at so much ease and was prompt in getting back to us with any questions we had.
Kumar D.
Kumar D.
Great service, LowQuotes Team is super supportive and special mention to Cormac Logue helping me with entire product explanation and which helped to go for correct/suitable product as per our current requirement.
Adrian T.
Adrian T.
I had a great experience with LowQuotes, and I’d like to give special thanks to Cormac Logue for making the mortgage protection process smooth and stress-free.His professionalism, responsiveness, and efficiency really stood out. Everything was handled quickly and clearly — I couldn’t have asked for better support.Highly recommend!
Roxanne S.
Roxanne S.
Great service, quick response, was very helpful in picking health insurance
Aisling M.
Aisling M.
Bernadine was consistently supportive throughout the whole journey applying for our mortgage. Even when it got stressful for us, Bernadine kept us grounded and on track.
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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.

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.

Boost your Financial Plan with a Protection Package

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.

The time to start is NOW!

Our award winning team is always here to help you.

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.

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.

Meet our Team of Expert Advisors

Would you like to speak to an advisor?

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

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.

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.