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?

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FREEPHONE 1800-828-800

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 1272 reviews
See all reviews
jo M.
jo M.
What an incredible service. I had the pleasure of working with Niamh. From start to finish, she was so patient and is a true wealth of knowledge as I went through my mortgage hunt/journey/adventure.Most importantly, Niamh was the one who made that phonecall we all want, she got it done. A phone call no one would forget.Thank you Niamh.
leona K.
leona K.
Seamus Phelan helped myself and my husband set up life insurance recently and I honestly can not recommend him enough. His knowledge and expertise is fantastic and nothing was too much trouble. He made it all so easy to understand and really fit the policy to our needs. We can't recommend Seamus and LowQuotes enough. I would give Seamus more then 5 stars if that was an option. Happy Christmas to everyone there.
Response from the owner: Hi Leona,Thank you so much for your amazing review! We’re absolutely thrilled to hear about your positive experience with Seamus. His knowledge and expertise truly shine in how he tailors policies to fit each client’s unique needs.It’s fantastic to know that he made the process easy and stress-free for you and your husband—just the way we aim to do for all our clients. Your kind words mean the world to us, and we’ll be sure to pass on your compliments to Seamus.Wishing you and your family a wonderful Christmas and a happy New Year! If you ever need assistance in the future, don’t hesitate to reach out.Best regards,The LowQuotes Team
Natalie H
Natalie H
A special huge thank you to Aoife on helping us to sort out everything for us with our new home. We highly recommend LowQuotes, 5 star service!
Response from the owner: Hi Natalie,Thank you so much for your kind words! We’re delighted to hear that Aoife provided such fantastic support in helping you with everything for your new home. Moving into a new home is a big milestone, and we’re thrilled to have been part of it.Your recommendation means the world to us, and we’re always here if you need assistance in the future. Wishing you all the best in your new home!Best regards,The LowQuotes Team
Ross S.
Ross S.
Dealt with Shaun reference health insurance very knowledgeable with over 10 years experience in this area, tells it like it is in the industry.This was one of the easiest preprocesses I have done ,would easily recommend.Regards,Dwayne.
Response from the owner: Hi Dwayne,Thank you for your wonderful feedback! We’re delighted to hear that Shaun’s extensive knowledge and straightforward approach made the process so easy for you. It’s great to know you had such a positive experience with your health insurance.Your recommendation means a lot to us, and we’re always here if you need assistance in the future!Best regards,The LowQuotes Team
uchenna I.
uchenna I.
Niamh from LowQuotes was extremely helpful throughout the journey of obtaining my mortgage. She made the journey very stress free and was always on the ball upto the final drawdown. I strongly recommend her.Thanks a million times.A big congrats to myself 😊
Response from the owner: Hi Uchenna,Thank you so much for your amazing review! We’re thrilled to hear that Niamh made the journey of obtaining your mortgage so stress-free and seamless. Her dedication and attention to detail truly shine, and it’s wonderful to know you had such a positive experience.Congratulations on your new mortgage, and thank you for your strong recommendation! If you ever need assistance in the future, don’t hesitate to reach out.Best regards,The LowQuotes Team
Muhammad A.
Muhammad A.
Excellent service. Aideen very clearly answered my queries. 100% recommended
Response from the owner: Hi Muhammad,Thank you for your fantastic review! We’re delighted to hear that Aideen provided excellent service and answered your queries so clearly. Your recommendation means a lot to us, and we’re thrilled you had such a positive experience.If you need any assistance in the future, don’t hesitate to reach out—we’re always here to help!Best regards,The LowQuotes Team
Rachel O.
Rachel O.
Great service from Ross! Replied to my enquiry really quickly, ran through all the questions on the phone and had policy in place within 24 hours.
Response from the owner: Hi Rachel,Thank you for your wonderful feedback! We’re delighted to hear that Ross provided such prompt and efficient service, answering all your questions and getting your policy set up so quickly. It’s great to know we could make the process smooth and straightforward for you.If you ever have any questions or need assistance in the future, we’re always here to help.Best regards,The LowQuotes Team
Jordan A.
Jordan A.
Ross helped us choose exactly what was right for us!! Great guidance and communication couldn’t recommend him highly enough
Response from the owner: Hi Jordan,Thank you so much for your fantastic feedback! We’re delighted to hear that Ross provided great guidance and communication, helping you choose exactly what was right for you. Your recommendation means a lot to us, and we’re thrilled that you had such a positive experience.If you need any further assistance, we’re always here to help!Best regards,The LowQuotes Team
Geraldine B.
Geraldine B.
We got our mortgage protection through Ross who was amazing from start to finish. He made us feel at ease with any questions we had as we were first time buyers and couldn’t have been more helpful. Highly highly recommend!
Response from the owner: Hi Geraldine,We’re thrilled to hear about your positive experience with Ross! It’s wonderful to know he made the process smooth and put you at ease as first-time buyers. Helping you navigate such an important step is what we aim for, and your kind words mean a lot to us.If you have any further questions or need assistance in the future, don’t hesitate to reach out. Thank you for recommending us so highly!Best regards,The LowQuotes Team
Arathy A.
Arathy A.
Very helpful finding a quote with different company.
Response from the owner: Hi Arathy,Thank you for your kind review! We’re so glad we could assist you in finding the right quote across different companies. Your satisfaction is our priority, and we’re delighted you had a positive experience with us.If you ever need help again, don’t hesitate to reach out!Best regards,The LowQuotes Team
Matt W.
Matt W.
Brilliant service from Cormac Logue in sorting out Mortgage Protection Insurance. Great communication by phone and email. Cormac went above and beyond to contact the underwriter to have my circumstances looked at quickly. Best price of all quotations.Would recommend Cormac and Lowquotes to anyone needing life cover.Thanks again.
Response from the owner: Hey Matt,We’re delighted to hear about your fantastic experience with Cormac! It’s great to know he provided brilliant service, kept communication clear and consistent, and even went the extra mile to ensure your circumstances were prioritized. We’re also glad we could offer the best price for your Mortgage Protection Insurance. Thank you so much for your kind words and recommendation—it truly means a lot! If you ever need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Megan L.
Megan L.
Ross was great to deal with, phoned exactly when he said he would. He made the process so simple, one of our easiest decisions in the whole house hunting process. Great customer service, would highly recommend.
Response from the owner: Hey Megan,We’re thrilled to hear about your positive experience with Ross! It’s fantastic to know he kept his word and made the process so simple for you during such an important time. We understand how stressful house hunting can be, so we’re delighted we could make this decision one of the easiest. Thank you for your kind words and recommendation—it means a lot to us. If you need any help in the future, don’t hesitate to reach out!Best Regards,LowQuotes Team
Jojo
Jojo
Ross was helpful and accommodating.He answered all of our questions, and allowed us to quickly have our mortgage cover.Thanks Ross for the help !
Response from the owner: Hey Jojo,Thank you so much for your kind review! We’re delighted to hear about your positive experience with Ross. It’s fantastic to know he was helpful, accommodating, and made the process of getting your mortgage cover quick and easy.Your feedback means a lot to us, and if you ever need further assistance, don’t hesitate to reach out.Best regards,LowQuotes TeamThank you so much for your 5-star review! We’re delighted to hear about your positive experience with Ross. It’s fantastic to know he was helpful, accommodating, and answered all your questions, ensuring you could quickly secure your mortgage cover.We’re thrilled we could assist you, and if you ever need anything else, don’t hesitate to reach out.Best regards,LowQuotes Team
sha s
sha s
I recently decided to purchase a property and knew I needed guidance as I hadn’t a clue what I needed to do! I found lowquotes online and decided to request a call. Straight away I knew this is who I needed to go with and I got given Niamh as a contact. Niamh was amazing and sorted my application for a mortgage and gave me every piece of information that I would need to gather along with some financial tips. I fell in love with a house and once again Niamh was there for the whole process. She was calm, clear, friendly and very organised. I know have completed the completions and straight away she put in a reminder to call me once my fixed mortgage would be finished! I couldn't recommend LowQuotes more to anyone they were great especially Niamh.
Response from the owner: Hey Sha,Thank you so much for your detailed and glowing review! We’re thrilled to hear about your fantastic experience with Niamh. Buying a property can be daunting, but it’s amazing to know that Niamh was there every step of the way—guiding you, providing financial tips, and making the entire process smooth and stress-free.Your kind words mean a lot to us, and we’re so glad Niamh was able to help you find your dream home. If you ever need further assistance or have questions down the line, don’t hesitate to reach out.Best regards,LowQuotes Team
Ben G.
Ben G.
If I could give Séamus and his team more than 5 stars I would. The team at low quotes, especially Séamus have been nothing short of exceptional. Nothing was ever an issue and we were always given the best advice we could get, he has truly gone above and beyond for us and we cannot thank him enough for all the help and advice he has given us with getting our policies in place to secure our forever home, thank you to the team at Lowquotes for all their help.
Response from the owner: Hey Ben,Thank you so much for your incredible review! We’re thrilled to hear about your positive experience with Séamus and the team. It’s fantastic to know that Séamus went above and beyond to provide exceptional advice and assistance, helping you secure your forever home. That’s exactly the kind of service we strive to deliver.Your kind words mean so much to us, and we’re grateful for the trust you placed in LowQuotes. If you ever need further support or advice, don’t hesitate to reach out.Best Regards,LowQuotes Team
Craig R.
Craig R.
Dealt with Cormac Logue very professional and talked me through everything I needed to know as I was unsure myself
Response from the owner: Hey Craig,We’re delighted to hear about your positive experience with Cormac Logue. It’s fantastic to know he was professional and guided you through everything you needed to know. Making sure our clients feel informed and confident is what we aim for! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Mike S.
Mike S.
Great service and very helpful
Response from the owner: Hey Mike,We’re thrilled to hear you had a great experience with our service! It’s wonderful to know you found our team helpful. Providing excellent support and guidance is what we strive for, so your feedback means a lot to us. If you ever have any questions or need assistance in the future, feel free to reach out.Best Regards,LowQuotes Team
Viv P.
Viv P.
Very helpful and stress free consultations and advice from Michael Joyce. Made process very easy.
Response from the owner: Hey Viv,We’re delighted to hear about your positive experience with Michael Joyce. It’s great to know he was able to provide helpful and stress-free consultations, making the process so easy for you. We aim to make everything 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
yogesh T.
yogesh T.
Alison was amazing to work with for my mortgage protection policy! She quickly helped amend the policy to meet the bank’s specific requirements, ensuring everything was sorted without delays. Her quick action and professionalism made a stressful process much easier.The entire experience was smooth and efficient, from getting a quote to finalizing the policy. Alison’s attention to detail and clear communication stood out, and I felt confident everything was handled perfectly. I highly recommend her and the team for their outstanding service!
Response from the owner: Hey Yogesh,We’re delighted to hear about your positive experience with Alison. It’s fantastic to know she was able to quickly amend your mortgage protection policy to meet the bank’s requirements and ensure everything was handled without delays. We aim to make the process as smooth and stress-free 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
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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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