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,.

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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 1345 reviews
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Lisa M.
Lisa M.
Ross really took his time to accommodated my busy schedule while getting me the best deal possible. It was really appreciated.
Mohmmed D.
Mohmmed D.
Excellent service specially Cormac has been amazing, highly recommended.
Laura W.
Laura W.
I cannot recommend Low Quotes highly enough. In particular Niamh. Niamh was with me from start to finish on my mortgage/insurance journey and the service I received from Niamh was simply exceptional. Her dedication, support and professionalism shown to me throughout my journey was just amazing. Niamh took the time to understand my needs and getting me the best deals on the market and for that I will be forever grateful. Her knowledge and expertise of the industry is fantastic. Niamh is an amazing asset to Low Quotes.
Response from the owner: Hey Laura,We’re absolutely delighted to hear about your experience with Niamh! It’s fantastic to know she was able to support you throughout your mortgage and insurance journey and provide such a high level of care and professionalism.Niamh is indeed a huge asset to our team, and we’ll make sure your kind words are passed on to her. We’re so glad she could help you secure the best deals and make the process smooth and stress-free.If you ever need anything else or have questions down the line, we’re only a message away. Thanks again for the glowing recommendation!Best regards,LowQuotes Team
Vignesh C.
Vignesh C.
Friendly customer service and would recommend for sure.
Response from the owner: Hey Vignesh,Thanks a million for the great review! We’re delighted to hear you had a positive experience with our customer service. We always aim to make things as smooth and friendly as possible, so your recommendation means a lot to us. If you ever need anything else, don’t hesitate to reach out.Best Regards,LowQuotes Team
Andrew L.
Andrew L.
I dealt with a very professional and informative person Shaneen any questions that needed answering were answered and explained in a very detailed and also simple way ! Between the first phone call I felt that Shaneen was there to help me out with ever need and the best policy availableThank you once again ShaneenHighly recommended 10/10
Response from the owner: Hey Andrew,We’re delighted to hear about your positive experience with Shaneen! It’s great to know she was able to answer all your questions clearly and guide you toward the best policy. We’re all about making things as straightforward and helpful as possible, so your kind words mean a lot.If you ever need anything else, don’t hesitate to reach out.Best Regards,LowQuotes Team
Brendan D.
Brendan D.
Amazing service from Tiernan at LowQuotes. He made the process of getting a mortgage so much easier and was helpful the entire way.The LowQuotes portal is easy to use and user friendly, which made document organisation much easier.
Response from the owner: Hey Brendan,We’re delighted to hear about your positive experience with Tiernan! It’s great to know he was able to make the mortgage process easier for you and provide helpful support throughout.We’re also glad you found the LowQuotes portal user-friendly—it’s designed to keep things simple and stress-free, so your feedback means a lot to us! If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Craig D.
Craig D.
Ross Kirwan was great help. Flexible for my hectic schedule. Thank you.
Response from the owner: Hey Craig,We’re delighted to hear about your positive experience with Ross Kirwan! It’s great to know he was able to work around your hectic schedule and provide the support you needed.If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Jacques P.
Jacques P.
Fast speedy review online and a few good options provided a good all round service
Response from the owner: Hey Jacques,We’re delighted to hear you had a great experience with our online process! Providing fast and efficient service with a range of good options is exactly what we aim for.If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Paul O.
Paul O.
Colin made the process so easy. Highly recommend.
Response from the owner: Hey Paul,We’re delighted to hear about your positive experience with Colin. It’s great to know he made the process so easy for you! We always aim to keep things simple and stress-free, so your recommendation means a lot to us.If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Sharon G.
Sharon G.
My experience was lovely dealt with a lovely patient man called cormac I had to get him to repeat himself twice on some details and was very understanding his tone never changed with me .cormac logue your a credit to this company.
Response from the owner: Hey Sharon,We’re delighted to hear about your positive experience with Cormac! It’s great to know he was patient, understanding, and took the time to ensure everything was clear for you. We always strive to provide a smooth and supportive experience, so your feedback means a lot to us.If you ever have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Keith H
Keith H
Excellent,,,My agent Aideen was very helpful, answered all my questions,and explained everything clearly,,,well worth a call ,,, 😁😁
Response from the owner: Hey Keith,We’re delighted to hear about your positive experience with Aideen! It’s great to know she was able to answer all your questions and explain everything clearly. We aim to make the process as smooth and understandable as 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
Tomas O.
Tomas O.
Dealt with Shaun Young in relation to Health Insurance quotes. Very happy with the service provided. Extremely friendly, proffesional and efficent. Had the policy in place in less than 24hrs highly recommend.
Response from the owner: Hey Tomas,We’re thrilled to hear you had a great experience with Shaun! It’s fantastic to know he provided friendly, professional, and efficient service, getting your policy sorted in less than 24 hours. We truly appreciate your recommendation!If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Jade G.
Jade G.
Aideen Graham was so so helpful! I wasn’t familiar with any aspects of life insurance but she talked me through both policies. Will be recommending her 😊
Response from the owner: Hey Jade,We’re delighted to hear about your positive experience with Aideen! It’s great to know she was able to guide you through your life insurance options and make everything clear. Helping our customers feel informed and confident in their choices is always our goal!Thank you for your recommendation—we truly appreciate it! If you ever have any more questions, feel free to reach out.Best Regards,LowQuotes Team
Krzysztof P.
Krzysztof P.
I recently had the pleasure of working with Alan. He made the insurance process a walk in the park. Friendly, knowledgeable and always willing to answer my questions. I highly recommend Alan to anyone looking for an insurance agency that puts their clients first. Alan’s professionalism is 5 stars!
Response from the owner: Hey Krzysztof,We’re delighted to hear about your positive experience with Alan! It’s fantastic to know he made the insurance process so easy and was there to answer all your questions. Providing friendly and knowledgeable service is what we strive for, so your kind words mean a lot to us!Thank you for your recommendation—we truly appreciate it! If you ever need anything in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Jessica B.
Jessica B.
Aideen was so helpful and informative in explaining exactly why Private health insurance is important but also being very honest about what shortfalls they are and how much you can get from the Public system.
Response from the owner: Hey Jessica,We’re delighted to hear about your positive experience with Aideen! It’s great to know she was able to explain everything clearly and provide honest insights into both Private Health Insurance and the Public system. We aim to make the process as smooth and understandable as 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
Satwik K.
Satwik K.
Low Quotes provided me with required clarity in choosing from one of the providers they work with. Alison Fitzpatrick, was very prompt in providing me with required assistance. Made it easy for me to get the best quote and get my policy documents.
Response from the owner: Hey Satwik,We’re delighted to hear that Alison was able to provide you with the clarity and assistance you needed in choosing the right provider! Making the process smooth and ensuring you get the best quote is exactly what we aim for.Thank you for your kind words and for choosing LowQuotes. If you ever need any further assistance, don’t hesitate to reach out!Best Regards,LowQuotes Team
jitesh S.
jitesh S.
Aoife Morgan is awesome. Quick on chasing things and very efficient with docs and questions. Thanks to lowQuotes for the quick job.Highly recommend.
Response from the owner: Hey Jitesh,We’re delighted to hear about your positive experience with Aoife Morgan. It’s great to know she was able to assist you efficiently and keep things moving quickly. We aim to make the process as smooth and straightforward as possible, so your feedback means a lot to us!If you ever have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,The LowQuotes Team
Emma C.
Emma C.
As someone who hasnt done much research into Health insurance I really appreciated Shane's phone call from lowquotes as he informed me about so much and made me more aware about services etc. Shane was helpful honest and very pleasant on the phone. I will definitely be in contact with him again.
Response from the owner: Hey Emma,We’re delighted to hear that Shane was able to provide you with clear and helpful information about health insurance. It’s great to know he made the process easier and more informative for you! Our goal is always to ensure our customers feel confident and well-informed about their options.If you ever need further assistance, don’t hesitate to reach out—we’d be happy to help!Best Regards,The LowQuotes Team
Dariia H.
Dariia H.
It was a great experience working with LowQuotes. Colin was dealing with our mortgage protection application and support us during this process, for which we are very grateful. Highly recommend!
Response from the owner: Hey Dariia,We’re so glad to hear you had a great experience with Colin and that he was able to support you throughout your mortgage protection application. We know how important this process is, and we’re delighted we could make it as smooth as possible for you.Thanks for your kind words and recommendation! If you ever need any further assistance, feel free 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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