Life Cover

Life Cover

When you take out life cover, sometimes called life assurance, the insurance company will pay out a particular amount (depending on the premiums you’ve paid in) in the unfortunate event that you die early.
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income-protection

Pension Planning

Personal pensions, company schemes, defined benefit and defined contribution – there may be a few different types of pensions schemes but at the end of the day, they are all long-term savings plans.
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Income Protection

Income Protection

With Income Protection or Permanent Health Insurance as it is also known, you get a replacement income if you are unable to work due to accident or injury.  
mortage-protection

Mortgage Protection

A mortgage is a big commitment, and for many people, buying a property will be the biggest purchase they ever make. When you have worked hard to buy a property that is your family’s pride and joy.
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With decades of combined experience, our specialist financial advisers have developed an intricate understanding of both the insurance and pension markets. They can explain your options to you in plain English, without any of the associated jargon, and help you understand how each product will benefit you, based purely on the facts.

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About Us

With such a bewildering array of pension options and insurance products available, the expert assistance of an experienced and specialist team of financial advisers ensures decisions which are perfectly aligned with your personal circumstances and goals.

Frequently Asked Questions

What kind of financial advice do you give?

We pride ourselves on being able to provide personalised service and advice. Most of our services are provided by Home Visit, where we will meet with you in the comfort of your own home, at a time convenient to you, as this provides a better base from which you are more able to discuss your plans and hopes for the future. We will always take your wishes into account when making recommendations, as we work for you, not the Insurance or Investment Companies.

Do you offer individually tailored investment plans?

Yes. When you ask us to recommend an Investment suitable for your needs, we will carefully assess your requirements, your current financial situation and your understanding of risk and reward, and only then will we search the market for suitable Investments. In many cases, we will recommend a range or combination of schemes, in order that we can give you the most flexibility over the medium and long term.

How would I go about planning for my retirement?

Have a chat with one of our experienced advisors. They will look at your current income and expenditure, project what income (in today’s terms) you are likely to need in retirement, and then start looking at your current arrangements. In many cases, there will be multiple plans to consider, as well as the State Contributory Old Age Pension. Hitting your target income for retirement may not be that difficult, if you put a plan in place as early as you can.

What Fees do you charge?

While we believe it can be advantageous to take payment for our services from the Insurance or Investment Companies with whom we do business, you will always be aware of the fees we are paid. You can also choose us to work for you on a Fee-only basis. This will mean that we will agree the scope of work required, and we will quote you a fee for this. There will be an hourly rate for any excess. In some cases, where we recommend or assist you with a product or service with whom we do not have an Agency, we will notify you beforehand that a fee will be payable. Please look at our Terms of Business for further information

Why Choose Us?

Experienced

We have over 10 years experience providing expert financial advice.

Vibrant

Our, enthusiastic team of advisers are always here to help.

Professional

Our financial specialists ensure you get the optimum results.

Testimonials

Here’s what just some of our clients have said

“I am delighted that Clevermoney saved me so much on my Mortgage Protection premium, especially taking my current medical condition into account” – C O’Neill, Lucan
“You are a valuable source of advice each time I look to re-invest my Lump Sum” – E Gibney, Dunshaughlin
“Your budgeting service and practical advice is one of the reasons I stayed in business during the Recession” – A Larkin, Birr
“Thank you for the time you took to explain what we can expect from our Pension Plans at retirement” – D & C Moran, Clonsilla

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