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 1618 reviews
Parth S.
Parth S.
When it comes to insurance, we are always skeptical whether its a good deal or not. Also we feel if we could get a deal suited to our custom requirements and not a generic one. I would like to give a shoutout to Low Quote for being direct and patient with me when i explained my situation. They are great and recommended if you wanna get an honest quote. Massive thanks to Shawn (or Shaun) Young in Health insurance department being the life saver (pun intended).
Shemeena S.
Shemeena S.
I had a great experience with Low Quotes, especially working with Alan Broderick. Alan was very professional, patient, and took the time to clearly explain all the options available to me.I chose mortgage protection, life cover, and income protection, and he made the whole process simple and stress-free. He answered all my questions and helped me find the right cover to suit my needs and budget.I really appreciate the honest advice and excellent service. I would definitely recommend Low Quotes and Alan Broderick to anyone looking for reliable insurance advice.
Niel I.
Niel I.
It was a great pleasure doing business with LowQuotes. Alan Broderick was very thorough, and walked me through every step of the way to help me and my wife get sorted with my Life Insurance and Serious Illness Cover. Alan was very knowledgeable, always followed up with me, and made sure I get the best plan suitable for me and my family. I will definitely recommend LowQuotes to anyone looking for Life Insurance and Serious Illness Cover. Thanks again Alan!
klaids B.
klaids B.
Excellent service, assistance from Cormac Logue APA was incredible .Thank you.
Shane O.
Shane O.
​As a first-time buyer, buying as a single applicant, I had a million questions, and Niamh McCaul answered every single one with patience and expertise.She went above and beyond to make sure I felt comfortable and confident with my decisions. It’s rare to find someone so dedicated to her client's success.​I cannot recommend Niamh highly enough! From our very first phone call, she made the entire mortgage process feel seamless and stress-free. As someone who was quite overwhelmed by the paperwork, Niamh’s ability to explain everything in plain English was a lifesaver.She was always one step ahead, keeping me updated at every turn and securing a fantastic rate. If you want a mortgage advisor who is professional, proactive, and genuinely cares about her clients, look no further.Thank you, Niamh, for making my dream home a reality!Shane.
Frigen D.
Frigen D.
Very good experience with Cormac Logue, It was quick, easy and transparent.Really appreciate his help
Mina W.
Mina W.
I had a great experience arranging my mortgage protection through this broker, especially with Cormac helping me along the way. He was very proactive and followed up multiple times while I was sorting things out with the developer, which really helped keep everything moving.Cormac Logue was always keen to help and very flexible in arranging calls at times that suited me, making the whole process much easier. He also managed to get the policy arranged very quickly once everything was in place.Overall, a very smooth and professional experience.
Arul K.
Arul K.
"Aoife was incredibly helpful, providing clear and pleasant explanations for everything."
Aremu T.
Aremu T.
I really want to commend the work of Cormac Logue. He's been amazing and helpful through my insurance pursue and even guidance.i will keep recommending low quotes because of this dude to friends and family. Keep him st all costs please.
john paul M.
john paul M.
If I could give 10 stars to Tiernan Brennan and Low Quotes, I would happily do so. If it wasn't for Tiernan, and the amazing team, we would not be owning a house today. We were first time buyers, with no real idea of what to do, or who to contact, when Low Quotes were recommended to me. Tiernan was a pleasure to deal with from Day 1, his knowledge and professionalism put our minds at ease, his advice was always timely and appreciated, and the speed that we were approved for a mortgage was fantastic. Tiernan was a presence every step of the way, from start to very enjoyable finish, and now that we are in our new home, I'm nothing but thankful to everyone at Low Quotes!!
Mariia L.
Mariia L.
Excellent support, clear questions, great explanation! Highly recommended!
Kumar D.
Kumar D.
I had a great experience securing my policy with Low Quotes. Cormac Logue was exceptionally helpful throughout the entire process, providing various quotes and patiently clarifying all my questions, .The process was quick, and I appreciated the follow-up on the final terms . Highly recommend working with Cormac .
Vivs De La C.
Vivs De La C.
Bernadine provided us with excellent service . Thank you so much. Very knowledgeable, helpful and answered all the quieries raised. Replied promptly to emails and calls. Bernadine is highly recommended.
Zaneta R.
Zaneta R.
We cannot thank enough Tiernan who dealt with us directly for an amazing service and support throughout. I highly recommend their services.
Conor O' D.
Conor O' D.
We recently had the pleasure of working with Niamh at Low Quite for our mortgage protection, life insurance, and income protection needs. Her knowledge and dedication to finding the best solutions made the process smooth and stress-free. Niamh took the time to clearly explain all the details, ensuring we felt confident in our decisions. We truly appreciated her exceptional customer service and willingness to address all our questions. Thanks to Niamh and the team, we now have peace of mind knowing we are well-protected, and we would highly recommend their services to anyone in need of insurance solutions!
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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.