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 1249 reviews
Sarah M.
Sarah M.
I highly recommend using low quotes, We recently dealt with cormac for our mortgage protection he saved us a huge amount of time doing all the ground work and got us a great deal.. always rang at time that suited us fantastic service
Beverley P.
Beverley P.
Ross Very helpful and quick to set up. Easy to talk to and efficient
Pat D.
Pat D.
hassle free.very fast clear reply with clean cut links to all policies .very good all round.
Response from the owner: Hey Pat,Thank you for your fantastic 5-star review! We’re delighted to hear you found the process hassle-free and appreciated the quick, clear replies and easy access to all policies. Providing a smooth and straightforward experience is always our goal, so your feedback means a lot. If you ever need assistance again, feel free to reach out.Best Regards,LowQuotes Team
Anne Marie B.
Anne Marie B.
Great service
Response from the owner: Hey Anne Marie,Thank you so much for your kind words and 5-star review! We’re thrilled to hear that you had a great experience with our service. Providing excellent support and making the process seamless for our clients is what we strive for every day. If you ever need assistance or have any questions in the future, we’re here to help!Best Regards,LowQuotes Team
Carel
Carel
Wow - I never expected the cheapest quotes to have such exceptional service. Highly informed and professional advisors with a quick turnaround. I 100% recommend this business. I dealt with Cormac Logue who could not do enough for me, patiently explaining all the options to ensure I got the right deal. And it was also the best quote out there.
Response from the owner: Hey Carel,We’re delighted to hear about your positive experience with Cormac. It’s great to know he was able to explain all the options clearly and ensure you got the right deal with exceptional service. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you ever need assistance in the future or have any questions, don’t hesitate to reach out.Best Regards,LowQuotes Team
Anna S.
Anna S.
Absolutely delighted with the service. Aoife explained to me all aspects of the policy and helped to choose tlthe one that suits me best. I highly recommend this company.
Response from the owner: Hey Anna,We’re delighted to hear about your positive experience with Aoife. It’s great to know she was able to explain all aspects of the policy clearly and help you choose the one that suits you best. We aim to make the process as smooth and tailored as possible, so your recommendation means a lot to us! If you need any assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Marion P.
Marion P.
Good service helps to navigate difficult plans and gives you exactly what you need
Response from the owner: Hey Marion,We’re so pleased to hear that you found our service helpful in navigating complex plans and finding exactly what you needed. Making sure our clients have a clear and straightforward experience is what we strive for, so your feedback means a lot! If you ever need assistance again, don’t hesitate to get in touch.Best Regards,LowQuotes Team
sylwester K.
sylwester K.
Quick quote for your policy and assistance in obtaining it
Response from the owner: Hey Sylwester,We’re thrilled to hear you had a great experience with our quick quote process and assistance in securing your policy. Making things fast and straightforward for our clients is a top priority, so your feedback is greatly appreciated! If there’s anything else we can help you with in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Aoife D.
Aoife D.
Recently dealt with Richard for a policy. He was very helpful, explained everything to me in a way I could understand and it helped me choose the right policy for me rather than making me go with more expensive options. Will definitely be going back to LowQuotes for any other policies I need over the years.
Response from the owner: Hey Aoife,We’re delighted to hear about your positive experience with Richard. It’s great to know he was able to explain everything clearly and help you choose the right policy without any pressure. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you need any assistance or have questions in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
tricia B.
tricia B.
Craig was amazing to deal with . Really put my mind at ease with everything .... Give this man a raise 😁😁😁😁
Response from the owner: Hey Tricia,We’re delighted to hear about your positive experience with Craig. It’s great to know he was able to put your mind at ease and provide excellent service. We’ll be sure to pass on your kind words (and the raise suggestion! 😁). 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
Madel C.
Madel C.
It is very easy and simple to get a quote for mortgage protection and get back to me in my email right away. And be able to apply online easily
Response from the owner: Hey Madel,We’re delighted to hear that you found the process easy and simple! It’s great to know that getting a mortgage protection quote and applying online worked smoothly for you. We aim to make the experience as convenient as possible, so your feedback is much appreciated. If you have any questions or need further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Eamonn O.
Eamonn O.
Aideen gave me very good advice and explained all the important points that would affect me.
Response from the owner: Hey Eamonn,We’re thrilled to hear about your positive experience with Aideen. It’s wonderful to know she provided you with valuable advice and clearly explained all the key points that matter to you. We strive to ensure everything is easy to understand and tailored to your needs, so your feedback is greatly appreciated! If you have any more questions or need assistance down the road, don’t hesitate to get in touch.Best Regards,LowQuotes Team
Maura K.
Maura K.
Shaun Young atow quotes was excellent at helping me find a health insurance to meet my needs and finances. He also answered any and all questions I threw at him over a few days politely, friendly and reassuring, and I'm sure I drove him nuts. Thank you
Response from the owner: Hey Maura,We’re delighted to hear about your positive experience with Shaun. It’s great to know he could help you find a health insurance plan that meets both your needs and budget while patiently answering all your questions along the way. Our goal is to make the process smooth and understandable, so your feedback truly means a lot! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Betty C
Betty C
Ross was very helpful with our quote and called us promptly. We got a cheaper quote than the competitors.Highly recommend this company.
Response from the owner: Hey Betty,We’re so glad to hear that Ross was able to assist you quickly and help you find a competitive quote! It’s fantastic to know we could provide a more affordable option, and we appreciate your recommendation. If you have any more questions or need assistance in the future, please don’t hesitate to reach out.Best Regards,LowQuotes Team
Anita L.
Anita L.
Shaun was excellent in sorting my health insurance out. Quickly surmising that the existing health plan I had was not beneficial to me at this present time, and steering me on the right path.
Response from the owner: Hey Anita,We’re delighted to hear about your positive experience with Shaun. It’s fantastic to know he could quickly assess your current health plan and guide you toward a better option. We aim to make sure each client gets the best possible plan for their needs, so your feedback means a lot to us! If you ever need further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Con M.
Con M.
I found Ross to be very helpful, informed and great to deal with..thanks for all your help..
Response from the owner: Hey Con,We’re so pleased to hear about your positive experience with Ross! It’s great to know he was able to provide helpful and informed support throughout the process. Thank you for taking the time to share your feedback – it truly means a lot to us. If you ever need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Pratibha S
Pratibha S
I had wonderful experience working with my loan advisor , Bernadine Day, who was constantly helpful and knowledgeable throughout the process. She took time to explain every step in detail, ensuring I understood all my options. Anytime I had questions, she responded promptly and provided clear, practical answers. Her expertise and guidance made the loan process smooth and stress-free. I highly recommend Bernadine to anyone looking for reliable support in securing a loan.
Response from the owner: Hey Pratibha,We’re delighted to hear about your positive experience with Bernadine! It’s fantastic to know that her expertise and clear guidance made the loan process smooth and stress-free for you. Bernadine truly strives to make each step understandable and approachable for our clients, and your feedback reinforces her dedication. If you have any further questions or need assistance in the future, please don’t hesitate to reach out.Best Regards,LowQuotes Team
Daniel M.
Daniel M.
Bernadine has been absolutely fantastic from the outset and throughout our mortgage process, her professionalism, patience and empathy is second to none and there was never any question too big or small for her to answer, we would like to thank Bernadine for all of her hard work and patience over the past number of months!
Response from the owner: Hey Daniel,We’re thrilled to hear about your positive experience with Bernadine! It’s wonderful to know her professionalism, patience, and empathy made such a difference throughout your mortgage process. She truly cares about making the journey as smooth and stress-free as possible, and your kind words mean a lot. Thank you for acknowledging her hard work and dedication over the past few months. If you have any more questions or need further assistance, please don’t hesitate to reach out.Best Regards,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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Here at LowQuotes, we want to ensure that our clients receive the highest standards of service.  If you have a passion for connecting with people and aspire to thrive in a culture built on trust, integrity, dedication, and excellence, this could be the perfect fit. 

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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.