The Gallery

13 Bedford Row


V94 VY47

Tel: 061-633777


Professional Financial Advisors

we listen | review | advise | manage

About Us

Clearview Investments & Pensions Ltd is a professional financial planning company, dealing with investments, pensions, life & illness protection and savings for individuals, businesses and charities. Being impartial allows us access to most product providers in the market place without being bound to any institution. We prepare full financial reviews, providing a Master Plan of your finances using cashflow modelling software. We identify your specific needs and we then implement strategies to solve your requirements.

Using the complete picture, we help you to make better financial decisions. We buy on your behalf in contrast to selling products. We work closely with you to provide regular update reviews and recommendations to make sure your financial plan is on track.

The client is at the heart of our business and everything we do is in the sole interest of our client.

We aim to give you a “Clear View” of your Financial Future

Meet the Team

Joan Garahy, Managing Director

 28 years experience of investment markets.

 Voted no.1 analyst in Ireland for 7 years in various sectors.

 Qualified Financial Advisor and a registered stockbroker.

 Honours B.Sc. and a Masters of Science graduate.C.Dip in Accounting & Finance (ACCA).

 “Business Woman of the Year” in Limerick in 2008.

 Non-Executive Director of the Kerry Group plc and I.Res Reit plc.

 Former Non-Executive Director of Galway University Foundation.

More about Joan

Joan Garahy, Managing Director of ClearView Investments & Pensions Limited has 28 years of experience in advising on and managing client’s funds. She spent ten years as a stockbroker, five with NCB and five with Goodbody, where she established a reputation for top quality analysis and research on stocks – she was voted No. 1 Oil analyst in Ireland for four years in a row at NCB and when she moved to cover other sectors at Goodbody she was awarded the title of No. 1 Pharmaceuticals Analyst for three consecutive years by Finance Magazine. Joan now uses this analytical background to work with clients in selecting stocks for investment portfolios.

In 2001 Joan was appointed Head of Research at Hibernian Fund Managers (now Aviva) where she spearheaded independent equity analysis of global stocks and sectors and put her recommendations into action in various funds managed by Hibernian, including a long-short hedge fund. Her experience at Hibernian in asset allocation, portfolio construction and stock selection is a very valuable background for advising on the management of client’s portfolios.

In 2003, she worked with the NTMA as Head of Research to set-up the research function of the National Pensions Reserve Fund (NPRF), a €20bn fund established as a reserve to help service Ireland’s pension needs from 2025 onwards. Joan’s work at the NPRF in designing investment strategies and mandates, and in appraising (hiring and firing) some of the world’s top fund managers establishes her credentials regarding ability to independently assess funds and fund managers, and their suitability to client’s particular investment requirements.

Relocating back to the West of Ireland, Joan was Director of Investments at HC Financial Services in Galway, where she managed the Investments division providing independent investment advice to individuals and companies.

In May 2007 Joan joined forces with the Partners of Horwath Bastow Charleton Limerick to set up HBCL Investments & Pensions Limited. As Managing Director, Joan grew this business from a zero base to a strong self-sustaining income stream serving a broad range of clients. In addition to preparing full financial reviews for clients which identified specific needs and implement strategies to solve the client’s requirements Joan and her team used her expertise to source appropriate third party investment funds and to manage direct investment portfolios for Small Self-Administered Pensions (SSAPs) and for Approved Retirement Funds (ARFs) as well as for company and personal portfolios.  The direct portfolios were managed on an advisory basis.

Having sold her shareholding to her partners at HBCL Investments & Pensions Limited in April 2011, Joan set up Clearview Investments & Pensions Limited to be a truly independent financial advisor. In this position, she is able to apply all the knowledge acquired in the institutional and retail investments market over the last 28 years to help individuals and small companies make better financial decisions and to give them a “Clear View” of their finances. Her focus continues to be on Financial Planning using life time cash-flow modelling and implementation of suitable investment strategies in pensions and investment portfolios.

Joan is a Qualified Financial Advisor and a registered stockbroker. She has an Honours B.Sc. and is a Masters of Science graduate. She holds a C.Dip in Accounting & Finance (ACCA). Joan was named “Business Woman of the Year” in Limerick in 2008.  She was appointed as a Non-Executive Director to the Kerry Group, one of Ireland’s leading plcs and a top international food company five years ago and was appointed as a Non-Executive Director to Irish Residential Properties REIT plc in April 2017. She is a former Non-Executive Director of Galway University Foundation, a philanthropic organization to assist the University in fund raising.

Keith Matthews

Senior Financial Planner


Wealth of experience in holistic financial planning.

CFP® – Certified Financial Planner.

• Graduate Diploma in Financial Planning.

Qualified Financial Advisor (QFA).

• Masters of Arts in Business Management (Hons).

Catherine Danaher

Financial Planner


• B.A (Hons) Business Studies degree.

• MSc (Hons) in Financial Services.

• Teacher of finance modules for two years in the University of Limerick.

• Qualified Financial Advisor (QFA).


Advantages of having Clearview as your Financial Advisors

You are guaranteed an impartial and professional team to look after your needs. We have access to all product providers without being bound to any institution. We buy on behalf of our client in contrast to selling products.You will benefit from our years of experience, knowledge and expertise.

We will quickly understand your financial position and help you identify your goals. You will understand the financial aspects of your lifestyle today and lifestyle that you want in the future. Together we will build a financial plan that’s unique to you and will change as your needs change – a tailor made plan.

Those who get financial advice:

  • Have a higher value pension
  • Are better protected for the unexpected
  • Have more savings and investments
  • Are reassured and confident about their financial future
  • Make better financial decisions with the help of the advisors
  • Achieve their long-term financial goals
Source : Independent online survey of 1000+ adults July 2013

Our Process 


Delivering Peace of Mind through our 6 Step Advice Process:

We can help you with:

Financial Planning



Deposits & Savings

Life Cover

Income Protection

Wealth Management

Financial Reviews


The Gallery

13 Bedford Row


V94 VY47

Phone No: 061-633777


Clearview Investments & Pensions is regulated by the Central Bank of Ireland