Our Story
At Cleere Life & Pensions our priority is to to provide financial planning solutions for clients in the areas of pensions, protection and investments. The brokerage, a member of Brokers Ireland, was set up by Gearoid Cleere in January 2015 and has offices in Kilkenny City and Nass, Co. Kildare.
Our client base is diverse and includes individuals, sole traders and small to medium companies across Leinster and further afield. Our services are, and always have been, founded on honest, trust and integrity. We offer advice in respect of Pensions, Investments, Savings and Life Assurance.
A Policy Review is a simple process that involves looking at what Life Assurance, Pension and Regular Savings policies a client has. In particular we look at the following; What level of Life Cover, Specified Illness Cover and Income Protection Cover you should have based on your circumstances, the current cost of your insurance as well as the term remaining.
This involves doing a price check on your existing policies to make sure you are not paying too much every month. Risk profile and Investment Fund performance check for Pensions and Savings plans. We also look at policy charges and allocation rates of the premiums you are paying (allocation rate refers to the net amount of your premium which is used to purchase units in your policy). High charges in a pension or savings plan can erode a large part of the growth achieved over a long period of time and so it is essential to make sure you are not over paying.
Cleere Life Policy Review Service
A Policy Review is a simple process that involves looking at what Life Assurance, Pension and Regular Savings policies a client has.
Cleere Life Terms of Business
We are committed to providing you our client with a professional business service.
We will act in your best interests and look forward to working successfully with you over many years.
Our Terms of Business set out the general terms under which our firm will provide business services to you and the respective duties and responsibilities of both the firm and you in relation to such services.
Schedule of fees
Clients also have the option to pay in full for services by means of a fee. Our basic hourly rate for all services, Advisers €100 per hour and Support Staff €70 per hour. Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency. We will give an estimate of this rate in advance of providing you with services. If we receive commission from a product provider, this may be offset against the fee which we will charge you. This ensures that the principal regulated activity are provided on the basis of a fair analysis of the market.
A schedule of such fees are contained in our Terms of Business.