This is an idea I had for a friend who wants to mostly solo. Its likely a F2P for quite a while, so Monks, Fvs and Warforges are ruled out. I'm not experienced in solo play, nor with paladins, but I thought the pala might splash well with a battle cleric. The two +2 tomes aren't a problem, I can hand 'em over. Also I wouldn't worry too much about the lvls beyond 12, likely won't be reached until my friend decides to go to P2P after all.

How does Paladins Lay on Hands work on Multiclasses? Is it character level * charisma bonus, or levels in paladin * charisma bonus?

Code:
Level 20 Lawful Good Human 
(3 Paladin \ 17 Cleric) 
Hit Points: 278
Spell Points: 1122 
BAB: 15\15\20\25\25
Fortitude: 21
Reflex: 11
Will: 21

                  Starting            Ending          Feat/Enhancement
Abilities        Base Stats         Base Stats         Modified Stats
(28 Point)       (Level 1)          (Level 20)           (Level 20)
Strength             16                 22                   23
Dexterity             8                  8                    8
Constitution         14                 14                   14
Intelligence          8                 10                   10
Wisdom               14                 14                   18
Charisma             14                 16                   18

Tomes Used
+1 Tome of Strength used at level 3
+2 Tome of Intelligence used at level 7
+2 Tome of Charisma used at level 7

                  Starting            Ending          
                 Base Skills        Base Skills       
Skills           (Level 1)          (Level 20)        
Balance               1                 10            
Bluff                 2                  4            
Concentration         6                 25            
Diplomacy             2                  4            
Disable Device       n/a                n/a           
Haggle                2                  4            
Heal                  2                  4            
Hide                 -1                 -1            
Intimidate            2                  4            
Jump                  3                 13            
Listen                2                  4            
Move Silently        -1                 -1            
Open Lock            n/a               n/a            
Perform               n/a               n/a           
Repair               -1                  0            
Search               -1                  0            
Spot                  2                  4            
Swim                  3                  6            
Tumble               n/a               n/a            
Use Magic Device      n/a               n/a           

Level 1 (Paladin)
Skill: Balance (+2)
Skill: Concentration (+4)
Feat: (Selected) Stunning Blow
Feat: (Human Bonus) Toughness
Feat: (Automatic) Attack
Feat: (Automatic) Aura of Good
Feat: (Automatic) Defensive Fighting
Feat: (Automatic) Heavy Armor Proficiency
Feat: (Automatic) Heroic Durability
Feat: (Automatic) Light Armor Proficiency
Feat: (Automatic) Martial Weapon Proficiency (ALL)
Feat: (Automatic) Medium Armor Proficiency
Feat: (Automatic) Shield Proficiency (General)
Feat: (Automatic) Simple Weapon Proficiency
Feat: (Automatic) Smite Evil
Feat: (Automatic) Sneak
Feat: (Automatic) Sunder
Feat: (Automatic) Trip


Level 2 (Cleric)
Skill: Jump (+1)
Feat: (Automatic) Magical Training
Feat: (Automatic) Turn Undead


Level 3 (Cleric)
Skill: Concentration (+2)
Feat: (Selected) Quicken Spell


Level 4 (Cleric)
Ability Raise: STR
Skill: Balance (+1)


Level 5 (Paladin)
Skill: Concentration (+2)
Feat: (Automatic) Divine Grace
Feat: (Automatic) Lay on Hands


Level 6 (Cleric)
Skill: Balance (+1)
Feat: (Selected) Empower Healing Spell


Level 7 (Cleric)
Skill: Concentration (+2)


Level 8 (Paladin)
Ability Raise: STR
Skill: Balance (+1)
Skill: Jump (+0.5)
Feat: (Automatic) Aura of Courage
Feat: (Automatic) Divine Health
Feat: (Automatic) Fear Immunity


Level 9 (Cleric)
Skill: Concentration (+2)
Skill: Jump (+0.5)
Feat: (Selected) Two Handed Fighting


Level 10 (Cleric)
Skill: Balance (+1)
Skill: Jump (+0.5)


Level 11 (Cleric)
Skill: Concentration (+2)
Skill: Jump (+0.5)


Level 12 (Cleric)
Ability Raise: STR
Skill: Balance (+1)
Skill: Jump (+0.5)
Feat: (Selected) Improved Critical: Slashing Weapons


Level 13 (Cleric)
Skill: Concentration (+2)
Skill: Jump (+0.5)


Level 14 (Cleric)
Skill: Balance (+1)
Skill: Jump (+0.5)


Level 15 (Cleric)
Skill: Concentration (+2)
Skill: Jump (+0.5)
Feat: (Selected) Improved Two Handed Fighting


Level 16 (Cleric)
Ability Raise: STR
Skill: Balance (+1)
Skill: Jump (+0.5)


Level 17 (Cleric)
Skill: Concentration (+2)
Skill: Jump (+0.5)


Level 18 (Cleric)
Skill: Balance (+1)
Skill: Jump (+0.5)
Feat: (Selected) Greater Two Handed Fighting


Level 19 (Cleric)
Skill: Concentration (+2)
Skill: Jump (+0.5)


Level 20 (Cleric)
Ability Raise: STR
Skill: Balance (+1)
Skill: Concentration (+1)
Enhancement: Human Adaptability Wisdom I
Enhancement: Human Greater Adaptability Strength I
Enhancement: Human Improved Recovery I
Enhancement: Human Improved Recovery II
Enhancement: Human Improved Recovery III
Enhancement: Cleric Improved Empower Healing I
Enhancement: Cleric Improved Empower Healing II
Enhancement: Cleric Improved Empower Healing III
Enhancement: Paladin Courage of Good I
Enhancement: Paladin Bulwark of Good I
Enhancement: Paladin Focus of Good I
Enhancement: Paladin Resistance of Good I
Enhancement: Paladin Extra Smite Evil I
Enhancement: Racial Toughness I
Enhancement: Racial Toughness II
Enhancement: Cleric Life Magic I
Enhancement: Cleric Life Magic II
Enhancement: Cleric Life Magic III
Enhancement: Cleric Life Magic IV
Enhancement: Cleric Energy of the Zealot I
Enhancement: Cleric Energy of the Zealot II
Enhancement: Cleric Charisma I
Enhancement: Cleric Charisma II
Enhancement: Cleric Wisdom I
Enhancement: Cleric Wisdom II
Enhancement: Cleric Wisdom III
Enhancement: Paladin Toughness I
Enhancement: Cleric Divine Healing I
Enhancement: Cleric Divine Might I
Enhancement: Cleric Divine Might II
Enhancement: Cleric Wand and Scroll Mastery I
Enhancement: Cleric Wand and Scroll Mastery II
Enhancement: Cleric Wand and Scroll Mastery III