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. 

In Your 20s: Foundations and Freedom

Financial Planning on your 20s

People on their 20s

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.

In Your 30s: Growth and Commitment

Financial Planning on your 30s

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.

In Your 40s: Reflection and Consolidation

Financial Planning on your 40s

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,.

In Your 50s: Preparing for the Next Chapter

Financial Planning on your 50s

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

Financial Planning on your 60s

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 1188 reviews
Trudy C.
Trudy C.
We have just taken out a dual policy and to say what a helpful and thoughtful young lad Cormac is was beyond belief.All what we wanted to know was answered and we had a present time with a great young man keep up the good work Cormac best wishes Casey’s xxx
Response from the owner: Hi Trudy,Wow, what a fantastic review! 🌟 We're thrilled to hear about your positive experience with Cormac. It means the world to us that he provided such helpful and thoughtful service, answering all your questions and making the process enjoyable. We'll be sure to pass along your kind words to him.Thank you so much for trusting us, and we look forward to assisting you again in the future. Best wishes to the Casey family! xxxBest regards,LowQuotes Team
Emilia S.
Emilia S.
Rachel Fennin very helpful, we received all the necessary information step by step. Professional service, recommended 👌
Response from the owner: Hi Emilia,Thank you so much for your kind words! We’re thrilled to hear that Rachel provided you with the helpful and professional service you needed. Your recommendation means a lot to us! If you have any more questions or need further assistance, please don't hesitate to reach out.Best regards,The Low Quotes Team
Daniel K.
Daniel K.
I was dealing with Ross to purchases a dual life policy for myself and my wife to cover house and life and to provide for my kids if the worst happened either of us. He was absolutely brilliant a pleasure to deal with and interacted with myself and the wife in conversation. Very happy with the outcome of our conversations. ThanksDanny and megan
Response from the owner: Hi Daniel and Megan,Thank you so much for your kind words! We're thrilled to hear that Ross provided you with excellent service and helped you find the right dual life policy to protect your family. It's wonderful to know that you felt well-informed and comfortable throughout the process.If you ever have more questions or need further assistance in the future, please don’t hesitate to get in touch. We're here to support you every step of the way!Thanks again,The Low Quotes Team
Charles A.
Charles A.
Cormac is a great broker, he took the time to explain things to us. saved us the burden of some insurance jargon.
Response from the owner: Hi Charles,Thank you for your wonderful review! We're delighted to hear that Cormac was able to clarify everything and simplify the insurance process for you. It's great to know he could make things easier and help you navigate through the details.If you have any more questions or need further assistance, feel free to reach out. We're always here to help!Best regards,The Low Quotes Team
karl B.
karl B.
Cormac was very informative, and he understood our aims regarding our life plans . Would highly recommend cormac and the low quotes team
Response from the owner: Hi Karl,Thank you so much for your kind review! We're thrilled to hear that Cormac was able to provide you with valuable insights and truly understand your goals for your life plans. Your recommendation means a lot to us!If you need any further assistance or have more questions in the future, please don't hesitate to reach out. We're here to help!Best regards,The Low Quotes Team
Eoin M
Eoin M
Having previously worked a mortgage broker who provided a poor service, I was little reluctant to go with Low Quotes as they charge a fee upfront. But it has turned out to be money well spent and I would thoroughly recommend.Niamh guided me through the process (it was more complicated than the usual mortgage), was extremely thorough, making sure all documentation was in order and most importantly, kept me regularly updated throughout. She was a pleasure to deal with, knowledgeable and highly efficient. All calls and emails were answered promptly.Also dealt with LowQuotes for insurance and they were excellent for this as well.I would highly recommend them for all financial needs.
Response from the owner: Hi Eoin,Thank you so much for your kind words and for sharing your experience with Low Quotes! We understand your initial hesitation, and we’re thrilled to hear that Niamh exceeded your expectations and made the mortgage process smooth and stress-free. It’s great to know that her thoroughness, efficiency, and clear communication stood out to you. We're also delighted that you had a positive experience with our insurance services.Your recommendation means a lot to us, and we’re here for all your future financial needs. Thanks again for choosing Low Quotes!Best regards,Low Quotes Team
Wonder and M.
Wonder and M.
We had a great experience with low quotes, Aoife took time to explain everything to us and advise us on what was best for our needs. Highly recommend them. Thank you Aoife!
Response from the owner: Hi there,Thank you so much for your kind review! 🌟 We're delighted to hear that you had a great experience with Low Quotes and that Aoife was able to provide you with the guidance and advice you needed. It's our goal to ensure that every client feels well-informed and confident in their choices.We truly appreciate your recommendation and look forward to being here for any of your future needs!Best wishes,Low Quotes Team
alan M.
alan M.
I just want to say that from the start of the conversation with Rachel she was very nice and went through everything with me took her time explaining everything to me and got me what I wanted she was great thank you Rachel
Response from the owner: Hi Alan,Wow, what a fantastic review! 🌟 We're thrilled to hear that Rachel provided such a great experience from the very start, taking the time to explain everything thoroughly and helping you find exactly what you needed. Your kind words mean a lot to us!Thank you for choosing LowQuotes, and please don't hesitate to reach out if there's anything else we can assist you with in the future.Best wishes,LowQuotes Team
Claudia O.
Claudia O.
Craig was so helpful and informative regarding mortgage protection and life cover, highly recommend.
Response from the owner: Hi Claudia,Wow, what an amazing review! 🌟 We're thrilled to hear that Craig was so helpful and informative regarding mortgage protection and life cover. It means the world to us that you had such a positive experience with our team.Thank you for your trust and kind words—we can't wait to assist you with all your future insurance needs. We'll be here whenever you need us, ready to provide that top-notch customer service you deserve!Best wishes,Low Quotes Team
Zurich S.
Zurich S.
Its was a great and memorable experience .It was professional and not time consuming.Thanks to Bernadine Day of Low quote
Response from the owner: Hello, Thank you so much for sharing your experience! We're thrilled to hear that Bernadine made your experience both professional and efficient. We'll be sure to pass along your kind words to her. Thanks for choosing LowQuotes—we're glad to have been a part of your journey!Best regards,LowQuotes Team
Shona D.
Shona D.
Alison Fitzpatrick has been amazing with getting us our mortgage protection. It's been quick and painless would highly recommend.
Response from the owner: Hi Shona,Thank you for your wonderful feedback! We're delighted to hear that Alison made the process of getting your mortgage protection quick and painless. We'll make sure to pass along your kind words to her. Your recommendation means a lot to us—thank you for choosing LowQuotes!Best regards,LowQuotes Team
Ekaterina K.
Ekaterina K.
Thanks Cormac Logue for the outstanding support while heading me through all the process of getting mortgage protection. I'm really satisfied with everything and will definitely recommend lowquotes for my friends should they require any insurance products.
Response from the owner: Hi Екатерина,Thank you for your kind words! We're thrilled to hear that Cormac provided outstanding support throughout your mortgage protection process. Your satisfaction is our top priority, and it means a lot to us that you would recommend LowQuotes to your friends. Thank you for choosing us for your insurance needs!Best regards,LowQuotes Team
Vicky Mc B.
Vicky Mc B.
Excellent service, great advice given to me from Aideen. Everything explained really well. Thanks
Response from the owner: Hi Vicky,Thank you for your wonderful feedback! We’re delighted to hear that Aideen provided you with excellent service and clear advice. We’re glad everything was explained well, and we appreciate you choosing LowQuotes!Best regards,LowQuotes Team
Sarah K.
Sarah K.
Aoife was amazing got us life insurance for our mortgage really quickly and at a great cost! She was super friendly and helpful too 🙂
Response from the owner: Hi Sarah,Thank you so much for your wonderful review! 😊 We're delighted to hear that Aoife was able to secure life insurance for your mortgage quickly and at a great cost. It's always our aim to provide friendly and helpful service, so it’s fantastic to know that Aoife delivered on that.We're here for you whenever you need us in the future. Thanks again for choosing Low Quotes!Best regards,Low Quotes Team
Markus A.
Markus A.
I had the best experience with Low Quotes! Everyone I had the pleasure of dealing with was a star! I felt like everyone was genuinely interested in getting me the best deal possible. I will definitely come back to Low Quotes for all my insurance needs. Best customer service I have experienced in a long time!
Response from the owner: Hi Markus,Wow, what an amazing review! 🌟 We're thrilled to hear that you had the best experience with Low Quotes, and it means the world to us that you felt genuinely cared for by our team. Our goal is always to get the best possible deals for our clients, so we're glad that dedication came through.Thank you for your trust and kind words—we can't wait to assist you with all your future insurance needs. We'll be here whenever you need us, ready to provide that top-notch customer service you deserve!Best wishes,Low Quotes Team
Sean M.
Sean M.
Craig was our broker and he left no stone unturned sorting out our mortgage and life cover. We had a policy with another company that was not worth the paper it was written on an Craig managed to find us a much better deal with cover that actually benefits us and provides security for our family in the future. Really impressed so far with Craig and low quotes.
Response from the owner: Hi Sean, Thank you so much for your detailed feedback! We’re thrilled to hear that Craig left no stone unturned in sorting out your mortgage and life cover. It’s fantastic to know that he was able to find you a much better deal that truly benefits and secures your family’s future.We’re so glad you’re impressed with the service Craig and LowQuotes have provided so far. If you need anything else, we’re always here to help!Best regards,LowQuotes Team
Malou D.
Malou D.
Ross is great to talk to, he made sure I am happy with the insurance cover I got. Great crowd to deal with.
Response from the owner: Hi Malou, Thank you for your kind words! We’re thrilled to hear that Ross made sure you’re happy with the insurance coverage you received. It’s always our goal to make sure our clients feel confident and satisfied with their choices, and it’s wonderful to know that Ross delivered on that.We’re glad you found us great to deal with, and we’re here for you anytime you need assistance. Thanks again for choosing us!Best regards,LowQuotes Team
Barbara-Rose S.
Barbara-Rose S.
Craig offered us five star comprehensive and jargon free advice. He got to know our case specifically as first time buyers, we were instantly put at ease.
Response from the owner: Hi Barbara, Thank you so much for your fantastic review! We’re thrilled to hear that Craig provided you with five-star, comprehensive, and jargon-free advice. It’s great to know that he took the time to understand your specific needs as first-time buyers and made you feel at ease throughout the process.Your satisfaction is our top priority, and we’re delighted that Craig was able to make your experience so positive. If you ever need further assistance or advice, don’t hesitate to reach out—we’re here to help!Thanks again for choosing us as your financial partner.Best regards,LowQuotes Team
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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.

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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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Career opportunities at LowQuotes.

Here at LowQuotes, we want to ensure that our customers achieve all their financial goals, no matter what stage of life they are at.  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.