• ABOUT

  • ABOUT

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.

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.

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.

Meet The Team

Gearoid Cleere QFA

Managing Director

Michelle O'Donovan QFA

Office Manager

John Paul Coogan QFA

Financial Advisor

Carmel Slater QFA

Mortgage/Business Consultant

Michael Mullins QFA

Financial Advisor

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.

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. 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.

The steps involved in a Policy review

1. Arrange a Consultation

Contact us to organise a call or a meeting via phone/email. All emails/call will be followed up promptly by our team to make arrangements for an initial consultation. This can be at either in our office based in Kilkenny or at the clients home.

2. Consultation & Needs Analysis

In our initial consultation we will take a snapshot of your existing plans to see if they are doing what they were originally set up to do. We will also check to see will that they meet your financial needs in the future. During this meeting you sign a letter authorising us to get up to date information on your existing policies from the various life assurance companies in order to make sure we are aware of all the benefits that your policies offer you.

3. Comprehensive Review Report

Following our in-depth consultation and needs analysis, we will prepare a confidential report. We compare your existing cover with the cover that you should have or that is available to you at a better price with either the same life assurance company or another life assurance company. This report will also have recommendations for your financial planning based on your priorities and time lines.

4. Meeting & Presentation

We meet with you to talk you through our findings and any recommendations that we might have. It is then up to you to determine whether or not you would like to proceed with our recommendations. Either way, there is no cost to you for this service.

5. Planning Service & Review

Our ongoing expert financial advice continues via quarterly review meetings with your financial advisor. During these review meetings your financial plan and current policies are reviewed in order to ensure that your personal financial plan stays on track.