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. 

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.

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,.

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.

Google Reviews

LowQuotes.ie
4.9
Based on 1295 reviews
Clarke K
Clarke K
Service is quick and easy to use
Response from the owner: Hey Clarke,We’re delighted to hear that you found our service quick and easy to use! Your feedback is greatly appreciated, and we’re glad to know that our process worked well for you. If you need any further assistance, don’t hesitate to reach out!Best Regards,LowQuotes Team
Roisin L.
Roisin L.
I can't praise Neil enough. We were under serious time pressure and he kept us updated the entire time. An absolute treasure to have working for low quotes.
Response from the owner: Hey Roisin,We’re thrilled to hear about your positive experience with Neil! It’s great to know he kept you updated and helped you navigate through the time pressure. We truly appreciate your kind words, and we’re lucky to have Neil on our team. If you ever need anything else, feel free to reach out!Best Regards,LowQuotes Team
Róisín M.
Róisín M.
I recently dealt with Ross Kirwan for our mortgage protection & income protection. Ross was an absolute pleasure to deal with and was very informative about the various options. He made the process very easy and straightforward. I would highly recommend contacting Ross.
Response from the owner: Hey Róisín,We’re so happy to hear about your positive experience with Ross! It’s great to know he made the process of securing your mortgage protection and income protection easy and straightforward. Thank you for recommending him, and we’re thrilled to have him on our team. Don’t hesitate to reach out if you need anything else!Best Regards,LowQuotes Team
Becky C.
Becky C.
Ross was so unbelievably helpful and he really explained everything to me. Such a friendly person on the phone too!
Response from the owner: Hey Becky,We’re thrilled to hear about your great experience with Ross! It’s wonderful to know he was able to explain everything clearly and make the process smooth for you. Thank you for your kind words, and we’re glad to hear you found him so friendly. If you need anything else, don’t hesitate to reach out!Best Regards,LowQuotes Team
T. B.
T. B.
Fantastic experience with Cormac for getting Mortgage protection policy.Extremely supportive , prompt and helpful.
Response from the owner: Hey T.,We’re so happy to hear about your fantastic experience with Cormac! It’s great to know he was supportive, prompt, and helpful in securing your mortgage protection policy. We truly appreciate your feedback and are here for any future needs. Don’t hesitate to get in touch if you need anything else!Best Regards,LowQuotes Team
Rafal K.
Rafal K.
Thank you Rachel Fennin for the outstanding support while heading me through the process of getting my mortgage protection. I'm satisfied with everything and will highly recommend LowQuotes to everyone.
Response from the owner: Hey Rafal,We’re so happy to hear about your positive experience with Rachel! It’s great to know she was able to guide you through the mortgage protection process smoothly. Your satisfaction means a lot to us, and we really appreciate your recommendation. Don’t hesitate to reach out if you need anything else!Best Regards,LowQuotes Team
Gabriela B.
Gabriela B.
Colin Bailey is the best financial advisor. He explained very clearly all the details of the insurance, and I'm delighted that i could talk to him on the phone. I fully recommend him . Very nice and pleasant person to talk to. Thank you Colin
Response from the owner: Hey Gabriela,We’re thrilled to hear about your great experience with Colin! It’s fantastic to know that he was able to explain everything clearly and made the process smooth for you. We truly appreciate your kind words, and we’ll be sure to pass them along to Colin. Thank you for recommending him, and don’t hesitate to reach out if you need anything else!Best Regards,LowQuotes Team
Jenny K.
Jenny K.
Excellent Service. Niamh was fantastic as our broker. From the moment I got in contact with Niamh, she was on the button and made the process of buying our first home very easy. Can't thank her enough. She is so effecient and great at her job.
Response from the owner: Hey Jenny,We’re so happy to hear about your great experience with Niamh! It’s fantastic to know that she made the process of buying your first home so easy and smooth. We truly appreciate your kind words, and we’ll be sure to pass them along to Niamh. Thank you for trusting us, and don’t hesitate to reach out if you need anything else!Best Regards,LowQuotes Team
Elaine M.
Elaine M.
I had an excellent experience discussing pension options with Dylan and Philip. They were generous with their time and gave very detailed information. Their knowledge of the market was clear. I felt confident and in safe hands and will recommend to others.
Response from the owner: Hey Elaine,We’re thrilled to hear you had such a positive experience with Dylan and Philip! It’s great to know they were able to provide detailed information and help you feel confident in your pension options. Your trust in us means a lot, and we truly appreciate your recommendation. Don’t hesitate to reach out if you need anything else!Best Regards,LowQuotes Team
Nimmy Jordy p
Nimmy Jordy p
I would like to say a big thank you to Niamh McCaul for my mortgage protection policy. She did well with best and reasonable rate suitable for me. We highly recommend her for every one looking for any financial products.
Response from the owner: Hey Nimmy,We’re so happy to hear about your positive experience with Niamh! It’s great to know she was able to secure the best and most reasonable rate for your mortgage protection policy. Thank you for recommending her and for trusting us with your financial needs. If you ever need anything else, feel free to reach out!Best Regards,LowQuotes Team
Cormac C.
Cormac C.
Neil was very professional and explained everything well. A pleasure to deal with.
Response from the owner: Hey Cormac,We’re delighted to hear about your positive experience with Neil! It’s great to know he was able to explain everything clearly and make the process smooth for you. We appreciate your feedback and are glad you had a pleasant experience. If you need anything else, don’t hesitate to get in touch!Best Regards,LowQuotes Team
Darren
Darren
Very prompt and professional response to our quote for mortgage protection. Ross was extremely helpful in choosing our policy.
Response from the owner: Hey Darren,Thank you for your fantastic feedback! We’re delighted to hear that Ross provided a prompt and professional response while helping you choose your mortgage protection policy. He’s always committed to making the process as smooth and helpful as possible.If you ever have any questions or need assistance in the future, don’t hesitate to reach out—we’re here for you!Best Regards,LowQuotes Team
Stephanie’s H.
Stephanie’s H.
Ross was so easy to deal with & efficient.He made getting mortgage protection so easy
Response from the owner: Hey Stephanie,Thank you so much for your kind words! We’re thrilled to hear that Ross made the process of getting mortgage protection so easy and efficient for you. He always aims to make things as straightforward as possible, and it’s great to know he delivered for you.If you have any further questions or need assistance in the future, don’t hesitate to reach out—we’re here to help!Best Regards,LowQuotes Team
Emma F.
Emma F.
I took out my first life insurance policy today and I must say that Craig Haslam was so helpful and really helped me understand the different options available to me and put me at ease in choosing the best policy for me. I couldn't recommend him enough.
Response from the owner: Hey Emma,We’re thrilled to hear about your positive experience with Craig Haslam! It’s wonderful to know he was able to explain your options clearly and make the process of choosing your first life insurance policy smooth and comfortable. Your recommendation means so much to us! If you ever have any questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Katelyn C.
Katelyn C.
Ross got us out of a bind with our mortgage protection with a short deadline approaching. Could not have been more helpful and friendly would definitely recommend to a friend
Response from the owner: Hey Katelyn,We’re so glad Ross was able to assist you with your mortgage protection under a tight deadline! It’s great to hear he was both helpful and friendly throughout the process. Your recommendation means a lot to us! If you or a friend ever need assistance in the future, we’re always here to help.Best Regards,LowQuotes Team
sean mc A.
sean mc A.
I dealt with a shaun young and I couldn't recommend him highly enough he gave me an the info I needed and talked through all the options and I never felt like I was getting the hard sell at any point. I will definitely be contacting him again for any if their other services I'm the future.
Response from the owner: Hey Sean,We’re thrilled to hear about your positive experience with Shaun Young! It’s fantastic to know he provided you with all the information you needed and took the time to walk you through your options without any pressure. We always aim to make the process clear and comfortable for our clients, so your feedback means a lot to us. If you ever need assistance with any of our other services in the future, don’t hesitate to reach out – we’d be delighted to help!Best Regards,LowQuotes Team
Owen J.
Owen J.
Excellent service throughout. Niamh McCaul was the right person at the right time when it came to sorting out mortgage protection. She was calm, informative and didn't mind answering all of my questions. I'd have no problem recommending her services to anyone!
Response from the owner: Hi Owen,We’re delighted to hear about your positive experience with Niamh McCaul. It’s fantastic to know she was able to assist you with your mortgage protection needs and answer all your questions calmly and informatively. 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,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.