The question isn't too much on the split (this is mostly a fun build I just wanted to try out, not too worried about end-game stuff or epic). I also didn't add any gear or stat boosting items (just +2 tomes at lvl 7) so the numbers may seem low to people.

See build below:

Code:
Character Generated Using: DDO Character Generator
Direct Link to Build: http://www.ddochargen.com/home.aspx?build=31807

Monk 12 / Cleric 7 / Rogue 1
Male Human - Lawful Neutral
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LEVEL 1:
Race Selected: Male Human
Alignment Selected: Lawful Neutral
Class Selected: Rogue (Rogue 1)
Abilities Raised: STR: 15, DEX: 15, CON: 14, 
INT: 10, WIS: 14, CHA: 10
Skills Ranks Raised: Balance +4 (4), Concentration +2 (2), 
Disable Device +4 (4), Hide +3 (3), Jump +4 (4), Move Silently +4 (4), 
Open Lock +4 (4), Search +4 (4), Spot +4 (4), Tumble +1 (1)
Feats Selected: Two Weapon Fighting, Stunning Blow
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LEVEL 2:
Class Selected: Cleric (Cleric 1 / Rogue 1)
Skills Ranks Raised: Concentration +1 (3), Search +1 (5)
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LEVEL 3:
Class Selected: Monk (Cleric 1 / Monk 1 / Rogue 1)
Skills Ranks Raised: Concentration +1 (4), Disable Device +1 (5), 
Search +1 (6)
Feats Selected: Power Attack, Toughness
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LEVEL 4:
Class Selected: Cleric (Cleric 2 / Monk 1 / Rogue 1)
Abilities Raised: STR: 16
Skills Ranks Raised: Concentration +1 (5), Search +1 (7)
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LEVEL 5:
Class Selected: Cleric (Cleric 3 / Monk 1 / Rogue 1)
Skills Ranks Raised: Concentration +1 (6), Search +1 (8)
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LEVEL 6:
Class Selected: Cleric (Cleric 4 / Monk 1 / Rogue 1)
Skills Ranks Raised: Concentration +1 (7), Search +1 (9)
Feats Selected: Empower Healing Spell
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LEVEL 7:
Class Selected: Cleric (Cleric 5 / Monk 1 / Rogue 1)
Skills Ranks Raised: Concentration +1 (8), Disable Device +1 (6)
Tomes Applied: STR: +2, DEX: +2, CON: +2, INT: +2, 
WIS: +2, CHA: +2
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LEVEL 8:
Class Selected: Cleric (Cleric 6 / Monk 1 / Rogue 1)
Abilities Raised: STR: 19
Skills Ranks Raised: Concentration +2 (10), 
Disable Device +1 (7)
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LEVEL 9:
Class Selected: Monk (Cleric 6 / Monk 2 / Rogue 1)
Skills Ranks Raised: Concentration +2 (12), 
Disable Device +1 (8), Search +1 (10)
Feats Selected: Improved Two Weapon Fighting, Dodge
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LEVEL 10:
Class Selected: Monk (Cleric 6 / Monk 3 / Rogue 1)
Skills Ranks Raised: Disable Device +1 (9), Search +2 (12)
Feats Selected: Path of Inevitable Dominion
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LEVEL 11:
Class Selected: Cleric (Cleric 7 / Monk 3 / Rogue 1)
Skills Ranks Raised: Disable Device +1 (10), Search +1 (13)
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LEVEL 12:
Class Selected: Monk (Cleric 7 / Monk 4 / Rogue 1)
Abilities Raised: STR: 20
Skills Ranks Raised: Concentration +2 (14), 
Disable Device +1 (11), Search +1 (14)
Feats Selected: Improved Critical (Bludgeoning)
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LEVEL 13:
Class Selected: Monk (Cleric 7 / Monk 5 / Rogue 1)
Skills Ranks Raised: Concentration +2 (16), 
Disable Device +1 (12), Search +1 (15)
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LEVEL 14:
Class Selected: Monk (Cleric 7 / Monk 6 / Rogue 1)
Skills Ranks Raised: Concentration +1 (17), 
Disable Device +0.5 (12.5), Search +2 (17)
Feats Selected: Improved Sunder
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LEVEL 15:
Class Selected: Monk (Cleric 7 / Monk 7 / Rogue 1)
Skills Ranks Raised: Concentration +1 (18), 
Disable Device +1.5 (14), Search +1 (18)
Feats Selected: Greater Two Weapon Fighting
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LEVEL 16:
Class Selected: Monk (Monk 8 / Cleric 7 / Rogue 1)
Abilities Raised: STR: 21
Skills Ranks Raised: Concentration +1 (19), 
Disable Device +1.5 (15.5), Search +1 (19)
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LEVEL 17:
Class Selected: Monk (Monk 9 / Cleric 7 / Rogue 1)
Skills Ranks Raised: Concentration +1 (20), 
Disable Device +1.5 (17), Search +1 (20)
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LEVEL 18:
Class Selected: Monk (Monk 10 / Cleric 7 / Rogue 1)
Skills Ranks Raised: Open Lock +3 (7)
Feats Selected: Precision
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LEVEL 19:
Class Selected: Monk (Monk 11 / Cleric 7 / Rogue 1)
Skills Ranks Raised: Concentration +2 (22), 
Disable Device +1 (18), Search +1 (21)
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LEVEL 20:
Class Selected: Monk (Monk 12 / Cleric 7 / Rogue 1)
Abilities Raised: STR: 22
Skills Ranks Raised: Disable Device +2 (20), Search +1 (22)
Enhancements Selected: Improved Tumble I, Improved Heal I, 
Improved Jump I, Human Improved Recovery I, Way of the Patient Tortoise I, 
Monk Improved Recovery I, Racial Toughness I, Cleric Life Magic I, 
Cleric Prayer of Life I, Cleric Wand and Scroll Mastery I, 
Cleric Energy of the Zealot I, Improved Heal II, Improved Jump II, 
Improved Tumble II, Human Adaptability Strength I, 
Way of the Patient Tortoise II, Racial Toughness II, 
Cleric Improved Turning I, Cleric Divine Light I, Cleric Prayer of Incredible Life I, 
Cleric Energy of the Zealot II, Cleric Life Magic II, 
Cleric Life Magic III, Cleric Radiant Servant I, Monk Wisdom I, 
Cleric Extra Turning I, Cleric Extra Turning II, Cleric Extra Turning III, 
Human Greater Adaptability Wisdom I, Way of the Patient Tortoise III, 
Void Strike I, Adept of Wind, Porous Soul, Monk Ninja Spy I, 
Monk Ninja Spy II, Master of Thunder, Cleric Wand and Scroll Mastery II, 
Ten Thousand Stars, Human Versatility I, Human Versatility II, 
Human Versatility III, Human Versatility IV, Rogue Haste Boost I, 
Rogue Damage Boost I
Stats at End of Level 20:
HP:295 SP:409 AC:18 FORT:16 REFL:15 WILL:17 BAB:+15/+15/+20/+25
STR:23(+6) DEX:17(+3) CON:16(+3) INT:12(+1) WIS:18(+4) CHA:12(+1)
Balance:11, Bluff:1, Concentration:28, Diplomacy:1, 
Disable Device:21, Haggle:1, Heal:6, Hide:10, Intimidate:1, 
Jump:12, Listen:4, Move Silently:11, Open Lock:10, 
Perform: n/a, Repair:1, Search:23, Spot:8, Swim:6, Tumble:6, UMD: n/a
This is just a quick run through on the idea. I'm sure there is some tweaking that can be done with it.

I was thinking that maybe Helf might be a way to go. I'd have to bump up INT to 12 and drop maybe strength by 1 (or CON or WIS) to cover the 1 skill point lost from switching from Human. I was wondering if it would be worth getting a wiz dilly (bump up INT to 13) to get access to arcane wands since I don't have UMD, a FTR dilly (the +1 str and stunning DC's) or a Barb dilly (+1 con and HP). I could also change my level splits to 12 monk/ 7 cleric/ 1 arti and take a rogue dilly to get the 3d6 SA (or just leave the rogue level and take a rogue dilly....).

I'm not sure if any of those are worthwhile over going human and getting the extra feat (i'd probably drop precision or power attack....not sure which one) and extra skill point per level (therefore freeing up a few points for STR/CON/WIS).

I tend to solo mostly and group every once in a while with PUGS. I don't want to be a healer as well (hence the 7 cleric vs going 12 cleric, also 7 cleric gives me access to lvl 4 spells) and didn't want to always tell people i'm not a healer.