Our practical approach provides added reassurance and confidence.

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Lifestyle Financial Planning

We continuously refine our client-centred approach to ensure that the clients we work with identify and achieve the goals that are important and unique to them. While the goals are financial in nature, our clients have provided us with some feedback on what other benefits an effective financial plan has given them:

  • Improved peace of mind.
  • Reduced levels of worry as goals are achieved.
  • Clear view of the bigger picture and a pathway to goals they felt were previously unattainable.
  • Improved sense of wellbeing in their work and personal lives.

Core Services

We are an independently owned and run financial planning firm based in Drogheda. Combining advanced financial planning tools with our experience and knowledge of Family & Business Protection, Day-to-Day Finances & Budgeting, Investments & Education Savings, Retirement Planning and Estate Planning & Wealth Transfer. We work with clients to help them identify their goals and deliver a financial plan that is tailored to their needs.

Pat Matthews

Pat has over 20 years’ experience as a financial planning professional. Before setting up Smart Finance Pat held a senior advisory role in Canada Life and completed a Bachelor of Business Studies Degree. The knowledge and experience gained were the ideal foundation for providing advice to a wide range of personal and business clients.

When setting up Smart Finance, Pat wanted to provide a holistic financial planning service to address all of his client’s needs. This aim has led to the development of a tailored approach to financial planning and a clear focus to work with clients to create plans that can be reviewed and updated as they move through various stages of their lives.

Attention to detail, good listening skills and great empathy are symbols of appreciation by his clients. Pat takes great pride from this and provides his clients with expert financial planning advice and solutions as well as driving awareness of the financial planning profession through his membership on the board of the Society of Financial Planners Ireland (SFPI).

Pat believes that the provision of superior level of advice and service is enhanced by education and continuous professional development. After qualifying as a Qualified Financial Adviser QFA in 2001 he completed the Professional Diploma in Retirement Planning and is a proud recipient of the internationally recognised CFP® accreditation (Certified Financial Planner) and a Masters in Financial Planning from UCD.

Pat is happily married to Sandra and has two sons, Eoin and Cillian. Away from business, he has a keen interest in current affairs and enjoys golf and reading and spending time with his family.

Pat Matthews
Pat MatthewsPrincipal
Pat has over 20 years experience as a financial planning professional.

Financial Planning Qualifications

  • Certified Financial Planner™ CFP® – Financial Planning Standards Board

  • Masters in Financial Planning – University College Dublin

  • Graduate Diploma in Financial Planning – University College Dublin

  • Qualified Financial Advisor QFA – LIA

  • Professional Diploma in Retirement Planning Adviser RPA – LIA

Business Qualifications

  • Bachelor of Business Studies BBS (Hons)

Our Values

The core value of our firm is to act in our clients’ best interests. We look to build long term relationships and to act with honesty and integrity at all times.

Mission Statement

Our mission is to work with our clients to identify and achieve their lifestyle goals through effective management of their finances.

Our Clients

We work with clients from all walks of life: From young people just starting out and busy families, to small business owners, professionals and senior executives and retirees.

Our clients have a desire to achieve their goals and believe that working with expert professionals is the best way to help them get there.

Whether their goals are planning for retirement or a child’s education or simply managing their day-to-day finances and budgeting more effectively – we’re proud to help guide them.

Who do we work best with?

We have no minimum requirements for assets to invest or income earned for you to become a Smart Finance client. We want to work with clients who are motivated to achieve their financial goals and who recognise the value an experienced professional can bring to their lives.

If this resonates with you, why not contact us to find out more.

Client Testimonials

My wife and I have been receiving advice from Pat Matthews at Smart Finance for the last five years. We would and no hesitation in recommending his services. He eased many financial concerns we have had by explaining complex financial information to us in a clear, easy to understand way. As a result of Pat’s professional guidance, we have been able to confidently plan and implement decisions that meet our financial targets. Pat has given us peace of mind that we are doing the right things to safeguard our future.

Emmeline and John , (Pharmacist and Product Manager)

We contacted Pat Matthews of Smart Finance in September 2018 with a view to getting advice and assistance on financial planning. Pat’s membership of the Society of Financial Planners Ireland was one of the reasons we approached him initially and his professionalism and thoroughness convinced us that we had made the correct decision.

Pat took the time to gain a full understanding of our family’s financial position and objectives and, on foot of that, presented us with a detailed report including recommendations. As part of the implementation of those recommendations he has arranged a PRSA taking account of the specific requirements and objectives.

We have found Pat to be a most helpful, approachable, knowledgeable, and practical advisor.

We would have no hesitation in recommending Smart Finance to those looking for financial planning advice and assistance.

Frank Smith and Damhnait Gaughan

We have been receiving financial advice and guidance from Pat Matthews at Smart Finance for the last 15 years. This has always proved beneficial, particularly when reviewing our goals for securing our financial future and making plans for our retirement.

Grainne and Simon Thurston

Celtic Sales Co Ltd have been working with Pat Matthews (Smart Finance) since 2014. Pat has helped and advised all of the management and staff on their company pensions and future financial planning since the start. We meet with him on a regular basis and have found him to be highly professional and attentive to our individual requirements. I`m very confident that our Financial planning needs are in good hands and I am more than happy to recommend Pat and Smart Finance.

Paddy Byrne , Managing Director

I engaged the services of Smart Finance many years ago and happily continue to do so as Pat provides a professional service that is specifically tailored to my current financial situation as well as planning for my future financial requirements.

Pat is very diligent in his duties, client focused at all times and provides a common sense approach to financial planning. Pat always discusses in detail any investment/insurance products that you may be interested in so you can make an informed choice of product.

Pat is a gentleman to deal with and I would have no hesitation in recommending him to potential clients to look after their financial needs.

Des & Margaret Morgan

Myself and my husband have known Pat for the past 30 years. Our paths crossed one day, we got chatting and we haven’t looked back since. If you’re looking for a Financial Advisor, Pats your man as he is hardworking, punctual, reliable but most importantly he’s honest and patient.

Neither myself nor my husband work in finance and to be honest we struggled with the jargon but one of Pats other skills is that he has the ability to explain things clearly and as many times as he has to until he is sure we understand. He is also very likeable and funny. You won’t go wrong. We certainly didn’t.

Gerry & Cilla Byrne

I was first introduced to Pat over 12 years ago, when he navigated me through a work-based pension scheme. I was so impressed and happy with his advice and care, that I also asked Pat to arrange my mortgage insurance.

Having left work recently and as I had turned 50, I had to unfortunately evaluate the option of encashing my pension. This was an extremely stressful and confusing time for me but it was made all the easier by Pat. Pat is not all about the money but about the person and he took great time and patience with me until he found what was best for me. I will always be truly grateful for his care attention to detail, and I look forward to continuing working with Pat for future financial advice and care.

Cathy McMahon, Monaghan
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