John Lowe

Qualified Financial Adviser & Author

why book john?

  • With a rich background spanning banking and financial advisory, John Lowe brings extensive expertise to his talks on personal finance and financial well-being
  • A Fellow of the Institute of Bankers and a Qualified Financial Adviser, John’s recognised credentials enhance his credibility as a trusted source in personal finance and money management
  • As the managing director of Providence Finance Services, John is one of Ireland’s most respected personal finance experts, offering profound insights into making money work effectively


Born in Dublin to a family of 8 children, the Lowes emigrated to England when John was 6, the family coming back to Ireland when he was 19.

John joined the Bank of Ireland at age 20 and has many years’ experience in the banking sector also via First Active / Ulster Bank. Since 2000, John is now managing director of financial advisory firm Providence Finance Services Limited t/a Money Doctors based in Stillorgan Co Dublin. He is a Fellow of the Institute of Bankers, a Qualified Financial Adviser (QFA) and an Accredited Product Adviser (APA Debt Management MCC) and has a genuine interest in helping people make their money work for them being one of Ireland’s most respected personal finance experts. He also has a Diploma in Company Direction from IMI (2010)

John is invited to speak on personal finance to companies and organisations from all sectors as part of his Financial Wellbeing programme and to help them make the most of their money, including the recent seminars and webinars for Linkedin, Dropbox, Google and Facebook plus a series of seminars with economist Jim Power.  He has also presented to Statestreet Bank (6) PfizerESB International, Lloyds Pharmacy, companies. The majority of his leisure time is spent with his family (three children), while in his spare time he enjoys all sports, plays golf ( handicap of 22 out of Foxrock Golf Club ) and music.


Financially Healthy for Life – a financial wellbeing presentation

Everyone in the workplace suffers from stress – Grant Thornton in recent research found 70% of that stress was financial.

The co-relation between mental health and finances is obvious with recessions, pandemics, rising interest rates and rising cost of living, inflation etc. This financial wellbeing one hour webinar / seminar with a Q & A at the end is just the ticket for companies to help their employees get a better grip on their finances and manage their incomes – their number one asset.

Topics covered:

  • Budgeting and planning
  • Mortgages and debt management
  • Savings and investment
  • Pensions and retirement planning including Wills and Probate provision

Your staff will thank you!

Coping with the Rising Cost of Living and Inflation

In our sessions you will learn:

  • How to budget
  • What to prioritise and what not to prioritise
  • How to save: find what excess funds you can achieve each month to put into your savings, and where to save both short and long term
  • The basic requirements of obtaining a home loan – whether you are a 1st time borrower, switcher or mover enabling you to better manage your long term debt and in the process possibly resolve short term debts that keep you awake at night.
  • The humble pension is probably the BEST investment in Ireland today and something through your own hard work you can look forward to spending on retirement. What you should be contributing to your pension and what in 2024 your employer HAS to contribute as a minimum.

John Lowe



Yellow book cover of Money Doctors 2023 by John Lowe


“The responses we received already after your webinar are definitely the best ever, thanks so much. It seems like it was definitely our most captivating event yet, and I think the quality of your presentation and knowledge of the topic really shone throughout. Once again, many thanks and I hope to work with you again in the future.”

Dylan Sheridan, Data Analyst, AIG Investments


“It was a pleasure to welcome John and Money Doctors to Dropbox. John delivered an interactive, interesting and thought provoking session which received excellent feedback from Dropboxers. We look forward to welcoming John back to Dropbox soon.”

Cliodhna Thomson, Dropbox I EMEA People Ops

“Thanks very much for a great webinar – very informative and engaging.”

Áine Doherty, Head of People & Culture, MKO Ireland


“We recently booked John for a Young Chartered Accountants webinar event. He was fantastic to deal with in the run up to the event. On the night itself the content and delivery of the material was excellent and we got great engagement from our audience. The topics struck a chord and we received lots of questions at the end.” –

Emma Billings, Programme and Project Management, Lead Chartered Accountants Ireland