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Personal Services of Your Experts Financial Planning Ireland
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Key Man Protection
Make sure your business does not suffer in the loss of a key employee due to death or illness
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Get your long-term plan for you and your company in writing to help plan your future and raise finance
Testimonials
★★★★★
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“I am delighted that Clevermoney saved me so much on my Mortgage Protection premium, especially taking my current medical condition into account”
★★★★★
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“Your budgeting service and practical advice is one of the reasons I stayed in business during the Recession”
★★★★★
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“Thank you for the time you took to explain what we can expect from our Pension Plans at retirement”
★★★★★
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Great company .Joe went above and beyond in his advice and helping us to understand our finances
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Secure your Future with Clever Money's Expert
Financial Planning and Advisory Service
Choosing the best platform for financial advice can be a challenging journey. At Clever Money, we understand the importance of finding impartial and reliable guidance for your financial needs. With our commitment to transparency, expertise, and a passionate team, we’re here to simplify the process
and provide you with the best Financial Planning and Advisory Service.
Why Choose Clever Money for Your Financial Planning in Ireland?
In an age where information is abundant but trust is scarce, CleverMoney stands as your beacon of financial clarity. We recognize the importance of making informed decisions about your finances, and that begins with having a partner who truly has your best interests at heart.
How much does a financial planner cost in Ireland?
Costs vary based on complexity but typically range from €100 to €300 per hour, or 0.5% to 2% of assets annually. Flat fees can start at €1,000 to €5,000+.
How much does financial advice cost in Ireland?
Fees depend on the advisor and advice type, ranging from €100 to €300 per hour, 0.5% to 2% of assets yearly, or flat fees varying with advice scope.
Is there a difference between a financial advisor and a financial planner?
Yes, financial advisors focus on investments, while financial planners offer holistic financial services, covering planning, tax, estate, and more.
Is it worth getting a financial planner?
Worth depends on goals and complexity. For comprehensive financial planning and peace of mind, hiring a planner can be a wise investment.
A Comprehensive Range of Financial Accounting Advisory Services
Our range of services extends to both personal and business needs, ensuring that whatever your financial aspirations are, CleverMoney has you covered:
Personal Services
- Life and Illness Cover: We help you secure your future and that of your loved ones, by offering comprehensive life and illness cover plans tailored to your needs.
- Mortgage Protection: Turn the key to your dream home with peace of mind. With Mortgage Protection Ireland at the forefront, our services ensure that your most prized asset is well taken care of.
- Pensions: Thinking of retirement? Our specialised pension services are designed to help you build a financial cushion for a peaceful and comfortable retirement.
- Income Protection: Our income protection plans safeguard you during life’s unpredictable moments, ensuring financial stability when you need it the most.
- Investments and Savings: Grow your wealth with our specialized investment and savings plans, personalized to match your risk tolerance and financial goals.
- Wills and Trusts: Estate planning is essential, and our expert consultants can guide you in creating wills and trusts to secure your family’s future.
Business Services
- Company Pensions: Get a pension plan that makes sense for you and your employees. Our technology means that nearly all the work is done for you.
- Key Man Protection: Protect your critical business assets and personnel with our key person business insurance. This service is specifically designed to safeguard your organisation’s future, ensuring continuity and stability even in unforeseen circumstances
- Business Plans: Our experienced Consultants can help you draft a realistic, actionable business plan that sets you on the path to success.
- Succession Planning: Ensure a seamless transition during times of change with our expert succession planning services.
- Employee Retention: Keep your team motivated and engaged with our cutting-edge employee retention strategies.
- Grants & Finance: Let us help you navigate the complex world of business financing, from identifying grant opportunities to optimising your financial resources.
Get the Clever Money Advantage
What sets us apart is our genuine commitment to your financial success. Your goals become our goals, and we work relentlessly to help you achieve them.
We take the time to understand your unique financial landscape, so our Financial Consultancy services are always aligned with your specific needs.
At Clever Money, we are dedicated to being more than just Financial Advisers; we are your partners in building a secure and prosperous future. With us, your financial journey is in expert hands.
Frequently Asked Questions
How do you work?
We are Financial Advisers and Brokers. This means that we give advice in a wide range of Financial Fields. If you need help with Life Assurance or Financial Protection, Pensions, Investments or Savings Plans, we will provide you with qualified options from the best providers in the market. It is common in Ireland for Insurance Companies to give us an Introduction fee for arranging your plan with them.
This will pay our fees, which means that, in most cases, we will not be required to charge you a Fee. If you need more thorough Financial Planning, such as Budgeting or Debt Management, we will discuss our fees prior to engaging with you, but we would prefer to do a no-obligation assessment before this happens.
How do I arrange a review?
There are multiple ways to get in touch with us. Go to the About Us page if you would like to choose an Adviser that you think might be more suitable for you. You will find phone numbers or email addresses.
Alternatively, you can complete a form on this site and we will get in touch.
Do you come to meet me or can we conduct our business online?
Both. When your requirement is simple, we can in most cases arrange your business online. During COVID, we found ways to improve this experience. While we find it important to get a good grasp of your financial circumstances before we can make a recommendation, this can sometimes be done via Zoom/Teams and email. Our long-term philosophy is to develop a lifelong relationship, guiding you through all financial hurdles in life, so we find regular face-to-face meetings to help cement this relationship
We have concluded our business and purchased a policy. Can we call you again?
Absolutely. Our aim is to be your long-term Financial Adviser, taking calls from you anytime you have questions. We have supported our clients from early adulthood, from having kids to preparing for retirement to arranging their wills to set up the next generation. When we set up your Policy or Pension or Investment, we arrange to take our payment from the Insurance or Investment Company on a Long-Term basis – this means we are paid by them to look after your needs for the full term of the policy.
Are you really Independent Financial Advisers?
In relation to Life Insurance, Illness Cover and Pension advice, we are completely Independent. We can advise you on all options in the Irish Market and can help you choose the most appropriate solutions to your needs.
When it comes to Investments, we work on a “Best Advice” basis, which means that we will only recommend options that suit your needs and circumstances. In order to be completely independent of Investment Advice (according to the Central Bank of Ireland), we would be obliged to charge you a fee for our services.
We are more comfortable taking our fees from the Investment companies with whom we arrange the business, and we believe that our impartiality is not compromised by this.
I am not sure if my question is for a Financial Adviser or if I should speak with an Accountant or Legal Adviser.
Talk it through with us first. Due to our vast experience with our clients, and the reputation that we have earned in this time, we frequently have clients referred to us by Accountants and Solicitors.
Need Help?
At Clevermoney, we are actively involved in setting up Company Pensions for Small and Medium Sized businesses (less than 250 workers), and have a range of offers from the best providers in the market.
How Can we Help ?
We provide instant pensions
Contact Info
Address
Curragh View House,
Ballinagar,
Tullamore, Ireland, R35XF38
Phone
(057) 935 0079
info@clevermoney.ie
Opening Hours
Mon to Fri 9am to 6pm
Our Partners
Have Any Questions?
Ask us anything, we’d love to answer!
- 057 935 0079
Charterhouse Private Clients Ltd t/a Clevermoney was set up in 2006 by Joe Carroll, a former Bank Manager. He has more than 20 years’ experience in Insurance, Pensions, Mortgages and Financial Services, both in Ireland and in the UK. The Company now has a team of experienced and skilled Financial Advisers to help you with almost any aspect of Financial Planning.
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© 2023 Charterhouse Private Clients Ltd t/a Clevermoney is Authorised by the Central Bank of Ireland.