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 1601 reviews

See all reviews

Akbar M.

⭐️⭐️⭐️⭐️⭐️We cannot recommend Berni highly enough! Over the course of a year, she guided us through an incredibly challenging home-buying journey with absolute professionalism, patience, and dedication.Initially, we bought a house, but the vendor failed to vacate, creating a very stressful situation. Berni immediately took responsibility, worked closely with the bank, and expertly managed to reverse the mortgage. She then arranged a new mortgage, and thanks to her knowledge and negotiation skills, we even received €5,000 cashback! Ultimately, she helped us purchase our dream home.Berni’s persistence, expertise, and genuine care for her clients go above and beyond. She made a stressful process smooth and reassuring. If you want a mortgage advisor who truly delivers and supports you every step of the way, Berni is the one!

Leanne C.

Cormac was such a fantastic help in the process of purchasing life insurance he answered all of my questions nothing was too much, he went above and beyond and i am very happy with the experience ive had with low quotes thanks to Cormac

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.

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!

Ivaylo I.

I had a great experience dealing with Cormac from LowQuotes. He was extremely helpful, knowledgeable, and patient throughout the whole process. He took the time to clearly explain all the options, answered every question I had, and made what could have been a stressful process feel very straightforward and manageable. I never felt rushed or pressured, just genuinely well looked after. I’d highly recommend Cormac to anyone looking for honest advice and excellent service.Thank you Cormac!

PAUL S.

Shaun was very informative and helpful, advised me on a lot of things that I didn't know about, so it was easy to ho with his recommendations ⭐️⭐️⭐️⭐️⭐️

Zeki K.

Thank you so much Bernadine Day for your help support and professional advice in my mortgage process. From start to finish Bernadine was there every step of the way it could not have been a more smoother process. l could not recommend Bernadine and lowquotes enough. From a very happy and grateful customer Zeki

Avinash A.

We had a great experience arranging our mortgage protection insurance, and Colin Bailey was incredibly helpful throughout the entire process. He guided us clearly through every step, answered all our questions with patience, and made what could have been a stressful process feel very smooth and straightforward.We really appreciated his support, professionalism, and dedication

Michelle L.

My husband and I are first time buyers. We had a really positive experience securing mortgage cover. Colin was so knowledgeable and guided us through the process. Our case was not entirely straightforward from a medical point of view, so having someone on the other end of the phone or advising us by email at every step of the process made it much easier than we had thought it might be! Thank you, Colin!

Marion H.

Aoife was excellent helpful and listened carefully to my requirements and matched with a policy that also will provide an online doctor as part of the package.Thanks so much Aoife

Absolutely professional and friendly service from Cormac Logue. Couldn't have asked for someone better on the other end . A pleasure to speak to

Damien C.

Had the pleasure of dealing with Niamh McCaul. Niamh was very helpful and patient as she went through everything with me from start to finish . Niamh got back in touch very quick with a policy I was happy with. Niamh went above and beyond thank you so much Niamh

Sharon G.

Sarah was very helpful throughout the whole process. She was able to answer all out queries and talk us through how the process typically works. Replies were always very prompt and Sarah made the whole process straight forward.

Brian S.

Cormac LogueI can't thank this man enough from start to finish has been amazing, any questions asked Cormac had the answer if im been honest he is the only reason I decided to take this policy with this company as his service goes above and beyond thanks so much for your patience and help with everything Cormac and I'll defo be in touch should I need any other policy top man

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

Why Financial Planning is so important?

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.

When should I start financial planning?

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.

Can I do my own financial planning, or do I need an expert?

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.

How often should I review my financial plan?

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.

What does a good financial plan cover?

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.

As seen on

You may also be interested in...

Working from Home Tax Relief in Ireland: How to Claim Tax Back

February 16, 2026

Key Financial Dates to Look Out for in 2026

January 23, 2026

Couple Without Kids: Why Two Incomes Don’t Mean Double The Savings

November 24, 2025

Winterproof Your Wallet: Easy Ways to Save This Winter

November 17, 2025

Timeless Financial Planning Tips: The Basics That Always Work

October 13, 2025

Follow us on Social Media

For press, marketing, or partnership enquiries, please reach out to our Media & PR team.

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.