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. 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. Charterhouse Private Clients Ltd t/a Clevermoney was set up in 2006 by Joe Carroll, a former Bank Manager. He has more than 25 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.

Our Expert Team

Alan Caulwell

Covering Kildare, Dublin, Wicklow, Alan has over 30 years’ experience in this Industry, having developed his skills through many years with Canada Life. Working with Clevermoney for the last 5 years, he has an excellent grasp of long term financial planning and providing a lifetime of financial advice to clients.
086 2378793

Lee Walsh APA

Lee has been with Clevermoney since 2011, and runs our South-East office. He is licensed and experienced in Life Assurance, Income Protection and Illness Cover. He has been particularly adept in restoring clients’ Pension and long-term financial security Plans and prides himself on getting people back on track following the downturn.
Lee is a family man and occasional golfer.
087 2704521
051 383855

Mattie Holmes QFA

Covering areas including Westmeath, Offaly, Meath, Dublin, Mattie has over 25 years’ experience as a Financial Adviser. Having spent time working with the major Life Offices and as a Mortgage Broker, Mattie has faced and solved numerous challenges for his clients.
Mattie has been with Clevermoney for nearly 10 years and continues for provide a long-term service to his clients.
087 2507049

Guojun Qin QFA

Guojun has a number of years’ experience working with both families and business owners as a Senior Financial Advisor. Having joined Clevermoney in early 2013, he is a member of the LIA and Qualified Financial Advisor. Guojun understands clients sometimes have language barriers to fully understand financial products, so he has carefully serviced Chinese speaking communities with their native language in the past 4 years and delivered the best financial advice to clients.
If you ever have questions about your plan or about specific financial products, contact Guojun Qin. He will set up a time to meet to review your needs and address any questions you may have.
083 4242061

Michael Heaney QFA RPA

Michael has worked in the Financial Services industry for 48 years, having previously worked in AIB for many years and subsequently as an Adviser with New Ireland Assurance Company, prior to joining Clevermoney.
Michael is a successful Mortgage Broker, and has seen the demand returning to the market, along with the pressures on borrowers. He can safely steer you through the mortgage maze. Michael also has for many years been offering superior Investment and Pension advice, having prided himself on carefully protecting the wealth of his clients during the downturn.
He lives in Kilcloon, Co Meath, close to the Kildare border, but is very much a committed Meath man. He lists golf among his many sports interests and plays regularly at County Meath Golf Club.
086 2836713

Saiju Thomas QFA

Saiju Thomas joined the team in early 2013 and is a fully Qualified Financial Advisor (QFA), with has over 5 years experience in the financial services industry. He specialises in mortgages, switcher mortgages, salary protection, family life cover and family health plans. Saiju would be delighted to assist you with any queries you may have in relation to your financial requirements.
Originally hailing from India, Saiju is very active in the local communities, and is always available to assist with your queries.
087 1467602

Rory Hennessy QFA, APA(Gen Ins)

Rory joined us from Irish Life, where he spent 11 years as a Financial Planning Consultant. During his time with Irish Life he was also seconded to Permanent TSB Bank, where he provided specialist financial planning services to clients of the Bank.
Rory’s first priority is to protect your Income in the event of a life changing event, such as a Death, Serious Illness or inability to work. He has the knowledge to advise you on Lump Sum Investments and Regular Savings. Pre- & Post-Retirement Planning Advice are a standard part of the service provided, as continuous reviews help avoid unforeseen financial problems.
Rory is qualified to provide Tax Efficient Advice on key areas of Business and Personal Finances, such as Protection, Pension and Estate Planning Services (Inheritance Tax), As Rory lives in Carlow, he will normally cover Carlow, Laois, Wexford, Kildare and surrounding counties.
087 6283743

Cindy White

Cindy is Administration and Claims Support Manager. She is responsible to the efficient processing of all New Business and Claims. You may frequently find yourself speaking with her if you have any queries on your existing policies.
Cindy has been working with Clevermoney for the last 5 years, having spent nearly 10 years in a similar position with Acorn Life. Cindy would continue to urge clients with a claim to let us know at the earliest opportunity.
Although we are the broker and your contract is with the Insurance Company, we have the experience to hold your hand through the claims process and make it less painful.
057 9350079