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 1568 reviews
JILU J.
JILU J.
Recently took mortgage protection and life insurance from Lowquotes.Alan was fantastic, very friendly and professional. He made the process easy and explained everything clearly. Highly recommended.
Rachel K.
Rachel K.
Cormac has been amazing in what has been a very long and hard process. He kept chasing better options down and recently got my premium to under half what I have paid to now. I cannot thank him enough! His knowledge, expertise and advice is second to none! Thank you!
nichola D.
nichola D.
Bernadine has been brilliant from start to finish. During the process of switching our mortgage we gave birth to our son and Bernadine was excellent no stress was so straight forward. Can't recommend enough
Sabrina S.
Sabrina S.
Bernadine, is a lovely lady to work with. I really appreciate her help. And made the process very smoothly. Made the experience for me less stressful .I can't recommend enough. Thanks again Bernadine 🙂
Carlos E O.
Carlos E O.
I would like to express my sincere thanks to LowQuotes for all the assistance with changing my mortgage and insurance. I wish to give a very special mention to Tiernan B., who was extremely professional, very attentive, and always patient with me during the whole process. His guidance made everything much easier, and I truly appreciate all the support.
Hugh O.
Hugh O.
From day 1, lowquotes have been great to work with. Always willing to answer the phone and talk through any details and offer guidance along the way. Niamh, in particular, was outstanding. Absolutely recommend anyone to go through lowquotes.
Julia B.
Julia B.
Sincere thanks to Bernadine Day for her support and assistance. Because of her help all the process was clear, easy and stressless. Highly recommend LowQuotes, they will do their best for you.
Ralph V.
Ralph V.
Cormack has been very helpful throughout the process. He has explained every details to us which made us understand the life insurance and mortgage protection.
Janet C.
Janet C.
I had the pleasure of dealing with Aoife in relation to Income Protection and Serious Illness cover. Aoife was so thorough on the call and explained everything in detail and provided a range of options that may have been applicable. Aoife made the process so easy. I’d highly recommend Aoife for any future policies you may have.
Tina A.
Tina A.
Cormac Logue was an absolute pleasure to deal with. He made buying our policy so easy!
Bill K.
Bill K.
Cormac Logue was extremely helpful, informative and very friendly. He made the whole process very easy. Would highly recommend.
DiDi
DiDi
We had the pleasure of working with Rebecca for our mortgage protection, and we couldn’t have asked for a better experience. She was incredibly kind, patient, and genuinely helpful throughout the whole process. Rebecca took the time to explain everything clearly, answered all of our questions, and made what could have been a stressful experience feel simple and straightforward.We are really happy with the service and would highly recommend it to anyone looking for mortgage protection advice or support.
Walter H.
Walter H.
Really high quality service provided by Aoife Morgan. Very clear, very helpful and personable. I feel like Aoife helped us get the best policy for us and made a complicated process quite simple. Thanks Aoife and LowQuotes!
Sinead W.
Sinead W.
Cormac was very professional and helpful with my insurance policy.He really went over and beyond in ensuring I could get best possible policy to suit me.I could not recommend him enough for all he done for me.
Jackie Mc D.
Jackie Mc D.
Really helpful took his time giving me all the details and helping me pick the better option. I wasnt rushed in to anything and follow up calls where made at the time given very nice and well spoken gentleman. Thank you for taken the time to speak to me.
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
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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. 

We’re proud to have been featured in Ireland’s leading media outlets, sharing insights on insurance, mortgages, and financial planning.

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Career at LowQuotes

Here at LowQuotes, we want to ensure that our clients receive the highest standard of service.  If you have a passion for connecting with people and aspire to thrive in a culture built on trust, dedication and excellence, please send us your CV below. 

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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.