Providence Finance Services Limited trading as Money Doctors is a fully authorised and regulated, ( by the Central Bank of Ireland ) expert financial advisory company founded by John Lowe in December 1999. The first initial financial consultation has a modest fee structure – 40 minutes for € 130.

Zoom consultations took off with the COVID-19 lockdown enabling clients all over the country and abroad to review their finances from the comfort of their living rooms and at a time to suit their schedules.. sharing documents onscreen also makes it easier to understand and absorb..

Based in Stillorgan Co Dublin A94 A2F7 the company have agencies with all of the insurance companies, many investment companies and most of the lenders, providing advice and product execution services ( we do not charge fees on product execution  e.g. mortgages,pensions etc ) on the A to Z of personal finance including

–   Mortgages & debt management 

–   Pensions, savings & investments

–   Life & health insurance

–   Budgeting & planning

–   Inheritance planning and Wills

John Lowe is founder and Managing Director of Providence Finance Services Limited trading as Money Doctors. He is a Fellow of The Institute of Bankers (FIB), Qualified Financial Adviser (QFA), and Accredited Product Adviser (APA Debt Management MCC) and holder of a diploma in Company Direction (Dip.IOD) having successfully completed the Chartered Director Programme in 2010.

John has over 40 years’ experience in the banking industry and is a bestselling author and writer on personal finance, with thousands of articles in print, along with many radio and TV contributions including weekly written contributions on Lifestyle (Tuesdays) and the Irish Daily Star (full page column on Thursdays) The 19th edition of his best-selling handbook Money Doctors 2024 published by Providence Press ( marking the 4th self published edition plus distributing also for the 4th time ) on 15th December 2023, is endorsed by UCD’s Dr Rachel Farrell,  broadcasters Joe Duffy, Pat Kenny, economist Jim Power and Brendan O’Carroll priced only € 12.99. It is now also available in ebook format from this website priced only € 9.

His popular corporate Financial Wellbeing webinars and seminars – an hour long plus Q&A entitled Financially healthy for life – hold true to the premise that financial worries are the number one employee stress factor that inhibits productivity and stunts growth. Progressive companies, here and overseas, have engaged John to deliver his tailored, infotaining and interactive presentation that allow attendees to restructure their finances, slash costs and maximise their income, not to mention  reduce their stress levels… see section

John also revamped and reintroduced the Money Doctors App in 2023 which helps track, plan and record daily spending. This App is FREE to download via Appstore or PlayStore. With 3 children whom he adores, John’s interests are wide and varied including golf, tennis, travel and music ( check out his own FREE YouTube channel where John recorded 120+ music videos during the lockdown… one a day.. 60s 70s, Buddy Holly, Eagles Elvis, Beatles and more – )



Nuala Gondry is the new Administration Manager since Monday 28th June 2021, replacing Stephanie Cahill who completed 21 years’ wonderful service to the company. Nuala, a qualified financial adviser (QFA) has extensive experience working with John Lowe in First Active plc in the early 90s. A keen golfer, she has three children and enjoys life to the full – nothing is ever a problem.



Niamh Houlihan LIB APA is our Executive Administrator with us since 30th May 2022. With an extensive record of 25 years with the EBS Stillorgan and 11 years with Core Credit Union, her talents are well used in Money Doctors. One of her children Elena works next door in the South County Credit Union and Niamh is very much a family person.



Stephanie Cahill is Administration & Compliance Manager and has been with the company since the start in early 2000. Formerly a banker with Bank of Ireland, she helped open the Stillorgan Co Dublin office on 2nd October 2000. The smooth running of the office was virtually entirely down to her talents. Married, she has two wonderful daughters and is very much a family person.On Friday 25th June 2021 after 21 years of loyal, professional and dedicated service to the company, Stephanie retired and already is sadly missed by all her friends and colleagues in the company. A new chapter awaits for Stephanie – her first grandchild arrives in the first week of July 2021.We wish Elaine her daughter and Stephanie all the best for the future and our sincere thanks to Stephanie for all the hard work and continuing friendship.

Providence Finance Services Limited trading as Money Doctors is regulated by the Central Bank of Ireland

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