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So I have a two part quest about this.
1) As a Cleric of Besmara I can drop a domain to take a familiar, in this case a monkey. So I go 5 level's as cleric. Then I go 5 levels of Bard. I have high Cha and Wis. The Bard archetype Sea Singer can have a Monkay Familiar as well at level 2. Does this mean when I take Mystic Theurge at level 11 that my Familiar would be the same level as me? since both Cleric and Bard levels count for its level?
2) If that's not the case would it be better to take a the Improved Familiar feat, Boon Familiar and make a Homunculus using a large amount of gold?