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 1582 reviews
Sharon G.
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.
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
Response from the owner: Hey Brian,Thank you so much for your fantastic review. We’re delighted to hear how positive your experience was with Cormac. It’s great to know he was able to answer all your questions, guide you through the process, and go the extra mile to make sure everything was right for you. That level of care and dedication is exactly what we aim for.We really appreciate you choosing LowQuotes and trusting Cormac with your cover. If you ever need anything in the future, don’t hesitate to get in touch.Best regards,LowQuotes Team
Snatch M.
Snatch M.
Outstanding Support From Start to FinishWe received our mortgage drawdown and keys to our new home on 22nd December 2025, and we honestly couldn’t have reached this milestone without the incredible support of Bernadine from LowQuotes.From the very beginning of our journey, Bernadine went above and beyond. She was professional, patient, knowledgeable, and always willing to explain every step clearly — no matter how many questions we had. What truly stood out was how invested she was in our success; this never felt like a transaction, but a genuine partnership.The mortgage process can be overwhelming, but Bernadine made it feel structured, manageable, and even reassuring. Her responsiveness, attention to detail, and commitment to getting the best possible outcome for us were exceptional.We are deeply grateful for her dedication and would wholeheartedly recommend Bernadine and LowQuotes to anyone starting their mortgage journey. If you’re looking for someone who truly cares and will go the extra mile, you’re in the best hands.Thank you for helping us turn a dream into reality.Emmanuel & Dorothy
Response from the owner: Hey Emmanuel and Dorothy,Thank you so much for your beautiful review and for sharing such a special moment with us. We’re absolutely delighted to hear how supportive and dedicated Bernadine was throughout your mortgage journey. It’s wonderful to know she was able to guide you clearly, keep everything structured, and help make the whole process feel reassuring from start to finish.Congratulations on receiving the keys to your new home. We’re so pleased we could be part of such an important milestone for you. If you ever need any help in the future, please don’t hesitate to get in touch.Best regards,LowQuotes Team
Kasia H.
Kasia H.
Alan Broderick was a pleasure to deal with. From start to finish , clear in everything. Would highly recommend.
Response from the owner: Hey Kasia,Thank you so much for your lovely review. We’re delighted to hear about your positive experience with Alan. It’s great to know he was able to guide you clearly through the process from start to finish. That’s exactly the level of service we aim to provide.We really appreciate your recommendation. If you ever need any assistance in the future, please don’t hesitate to get in touch.Best regards,LowQuotes Team
priscilla1 G.
priscilla1 G.
Excellent service and very good guidance
Response from the owner: Hey Priscilla,Thank you so much for your lovely review. We’re delighted to hear you were happy with the service and guidance you received. That’s exactly what we aim to provide for every client.We really appreciate you taking the time to share your feedback. If you ever need any help in the future, please don’t hesitate to get in touch.Best regards,LowQuotes Team
Vadym E.
Vadym E.
We can’t recommend Niamh highly enough. From the very beginning, she was supportive, knowledgeable, and always quick to respond to any questions we had. She clearly explained the mortgage process, made sure we understood each step, and guided us through everything with great care and professionalism.Niamh worked tirelessly to find the best solution for us and helped make the whole experience smooth and reassuring, even during stressful moments. Her communication was excellent throughout, and we always felt confident knowing she was looking after our interests.If you’re looking for a mortgage broker who is genuinely dedicated, approachable, and reliable, Niamh is an excellent choice. We’re very grateful for her help in securing our home and wouldn’t hesitate to recommend her.
Response from the owner: Hey Vadym,Thank you so much for your wonderful review and for sharing your experience with us. We’re delighted to hear how supportive and professional Niamh was throughout your mortgage journey. It’s great to know she was able to explain everything clearly, keep you informed, and find the right solution for you, even during the more stressful moments.We really appreciate your recommendation and are so glad we could help you secure your home. If you ever need any assistance in the future, please don’t hesitate to get in touch.Best regards,LowQuotes Team
Shane O.
Shane O.
​As a first-time buyer, buying as a single applicant, I had a million questions, and Niamh McCaul answered every single one with patience and expertise.She went above and beyond to make sure I felt comfortable and confident with my decisions. It’s rare to find someone so dedicated to her client's success.​I cannot recommend Niamh highly enough! From our very first phone call, she made the entire mortgage process feel seamless and stress-free. As someone who was quite overwhelmed by the paperwork, Niamh’s ability to explain everything in plain English was a lifesaver.She was always one step ahead, keeping me updated at every turn and securing a fantastic rate. If you want a mortgage advisor who is professional, proactive, and genuinely cares about her clients, look no further.Thank you, Niamh, for making my dream home a reality!Shane.
Response from the owner: Hey Shane,Thank you so much for your fantastic review and for taking the time to share your experience with us. We’re delighted to hear how supportive and reassuring Niamh was throughout your mortgage journey. It’s great to know she was able to explain everything clearly, keep you informed, and secure such a great rate for you. Helping first-time buyers feel confident and comfortable is exactly what we aim for, so your feedback really means a lot.Congratulations on your new home, and thank you for choosing LowQuotes. If you ever need anything in the future, we’re always here to help.Best regards,LowQuotes Team
Karen B D.
Karen B D.
Used low quotes to get a better deal on our life protection and mortgage protection as the banks were a bit unsustainable. Wish I had done this from the start. We had Alan Broderick from the start, he's fantastic at what he does, makes it very human and personal experience. Explained everything without being too jargon-y. He was patient and very helpful with following up with our case. Would highly recommend you give them a call 🙂
Response from the owner: Hey Karen,Thank you so much for your wonderful review and for sharing your experience with us. We’re delighted to hear that Alan was able to help you secure a better deal on your life and mortgage protection. It’s great to know they made the process clear, personal, and easy to understand, without any unnecessary jargon. That’s exactly the experience we aim to provide.We really appreciate your recommendation and your kind words. If you ever need any support in the future, please don’t hesitate to reach out.Best regards,LowQuotes Team
Una F.
Una F.
Thank you Shaun Young for all your help. You made the process so easy, Very efficent and explained all the details so clearlyAgnes (Una) Farrell
Response from the owner: Hey Una,Thank you so much for your lovely review. We’re delighted to hear about your positive experience with Shaun. It’s great to know he was able to make the process so easy and explain everything clearly for you. That’s exactly the level of service we always aim to provide.We really appreciate you taking the time to share your feedback. If you ever need any further help in the future, please don’t hesitate to get in touch.Best regards,LowQuotes Team
Nikolina G.
Nikolina G.
Very professional and easy process to insurance.Alan B. Was amazing and very professional in his guidance true the insurance application.
Response from the owner: Hey Nikolina,Thank you so much for your lovely review and for taking the time to share your experience with us. We’re delighted to hear that you found the process professional and easy, and that Alan was able to guide you so clearly through your insurance application. He always goes the extra mile to make sure everything is explained and handled properly, so your kind words mean a lot.Even though a little time has passed since your review, we truly appreciate you choosing LowQuotes and trusting us with your cover. If you ever have any questions or need support in the future, please don’t hesitate to get in touch.Best regards,LowQuotes Team
Ciara K.
Ciara K.
Rebecca was great to deal with and was very helpful. Would absolutely recommend as the entire process was positive.
Response from the owner: Hey Ciara,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was able to help and make the whole process smooth for you. Your recommendation means a lot to us!If you ever need anything in the future or have any questions, we’re always here to help.Best Regards,LowQuotes Team
Eric H.
Eric H.
Conor O'Hare was absolutely excellent in helping during such a stressful time and getting a policy that suited me.I would recommend him and low quotes to anyone as they made the whole process very easy.
Response from the owner: Hey Eric,Thank you so much for sharing your experience with us. We’re delighted to hear Conor was able to support you through what can be a stressful process and help you secure the right policy. Making things clear and easy is always our goal, so your feedback really means a lot!If you ever need anything in the future, don’t hesitate to reach out. We’re always here to help.Best Regards,LowQuotes Team
Rachel L
Rachel L
Cormac was absolutely lovely and made everything so easy for us.
Response from the owner: Hey Rachel,Thank you for the lovely review! We’re delighted to hear that Cormac made everything easy for you, that’s exactly the experience we aim to deliver. We’ll be sure to pass along your kind words to him.If you ever need anything in the future, we’re always here to help.Best Regards,LowQuotes Team
Elaine F.
Elaine F.
We came across Low Quotes online as we were looking to switch our mortgage providers. From the very start we had such a good experience. We were contacted by Bernadine and she helped us with the whole process. She was very professional and provided us with great support and guidance. Overall a brilliant experience, would highly recommend.
Response from the owner: Hey Elaine,Thank you so much for your kind words! We’re delighted to hear that you had such a positive experience while switching your mortgage with us. Bernadine will be thrilled to know her support and guidance made the process smooth and stress-free for you.Your recommendation means a lot, and if you ever need anything in the future, we’re always here to help.Best Regards,LowQuotes Team
JILU J.
JILU J.
Recently took mortgage protection and life insurance from Lowquotes.Alan was fantastic, very friendly and professional. He made the process easy and explained everything clearly. Highly recommended.
Response from the owner: Hey Jilu,We’re delighted to hear about your positive experience with Alan. It’s great to know he made everything clear and easy for you while arranging your mortgage protection and life insurance. We aim to keep the process as smooth and understandable as possible, so your feedback truly means a lot to us!If you ever have any questions or need support in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Rachel K.
Rachel K.
Cormac has been amazing in what has been a very long and hard process. He kept chasing better options down and recently got my premium to under half what I have paid to now. I cannot thank him enough! His knowledge, expertise and advice is second to none! Thank you!
Response from the owner: Hey Rachel,We’re delighted to hear about your positive experience with Cormac. It’s great to know he stayed on top of everything throughout the process and managed to secure such a strong improvement on your premium. We always aim to get the best possible deal for our customers, so your feedback really means a lot to us!If you ever have any questions or need support in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
nichola D.
nichola D.
Bernadine has been brilliant from start to finish. During the process of switching our mortgage we gave birth to our son and Bernadine was excellent no stress was so straight forward. Can't recommend enough
Response from the owner: Hey Nichola,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she supported you through the mortgage switch and made everything clear and stress-free, especially during such an important moment for your family. We aim to keep the process as smooth as possible, so your feedback really means a lot to us!If you ever need anything in the future, don’t hesitate to reach out.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!

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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 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.