Insights
Referral guides for professional firms - spotting the moment, referring clients compliantly, and earning a share.
Showing articles tagged Referral fees — clear filter
The retirement runway conversation accountants should start
Accountants see clients approaching retirement long before they act. Here is how to open the conversation and hand it to a regula…
Spotting the protection gap in your accountancy clients
Accountants are ideally positioned to notice when a client's income or business has no safety net. Here is how to spot it and ref…
Referral fees for marketing agencies: what the rules actually say
No statute stops a marketing agency taking referral fees. But agencies serving financial clients sit near section 21 of FSMA — a …
Referral fees for IT consultants: what the rules actually say
IT consultants face no statutory referral-fee ban. The traps are contractual conflict clauses, the FCA perimeter when clients nee…
Referral fees for insurance brokers: what the rules actually say
FCA-authorised insurance brokers can pay and receive referral fees. The rulebook cares about conflicts, disclosure of remuneratio…
Referral fees for HR consultants: what the rules actually say
HR consultants face no statutory ban on referral fees. The real constraints sit elsewhere: bribery law, the boundary around finan…
Referring the client who's just had a windfall
Inheritance, a sale, a bonus or a payout lands on a client with no plan attached. Knowing to refer quickly, before the money drif…
Referring the business owner who's about to retire
When a business owner starts talking about stepping back, the clock is running on decisions only a specialist can help with. Your…
Referral fees for accountants: what the rules actually say
Accountants can be paid for referring clients to financial advisers, provided the arrangement is disclosed and the accountant nev…
Recurring vs one-off referral income: what to expect
Referral income comes in two broad shapes, one-off and recurring, and knowing which is which changes how you think about the valu…
Recurring Referral Income: The Line Item Accountants Overlook
Accountants advise clients to build recurring revenue, yet many overlook a recurring line of their own. Referral income, done pro…
Specialise, then refer the rest: the referral case for niching
Specialising makes a firm memorable and referable, but it also raises more out-of-scope questions. A referral network is what mak…
Mortgage completion: the protection and advice moment you're standing in
The moment a client takes on a large mortgage is a textbook trigger for protection and wider advice. Here is how to spot it and r…
Lasting powers of attorney: the referral accountants forget
A lasting power of attorney is the document nobody thinks about until it is too late to make one. As the professional closest to …
How marketing agencies can offer financial-advice referrals without becoming regulated
Marketing agencies hear founders' real financial ambitions before almost anyone else. Here is how to refer those moments to regul…
Inheritance-tax exposure in the accounts: your cue to refer
Accountants see estates growing past the thresholds that matter. Here is how to recognise the exposure and refer it to a regulate…
How IT consultants can offer financial-advice referrals without becoming regulated
IT consultants become accidental confidants to owner-managers. Here is how to turn the money questions you cannot answer into com…
How insurance brokers can offer financial-advice referrals without becoming regulated
Insurance brokers are regulated — for insurance. Pensions and investment questions sit outside most brokers' permissions. Here is…
How HR consultants can offer financial-advice referrals without becoming regulated
HR consultants hear financial questions from exiting employees, anxious managers and owner-clients alike. Here is how to refer th…
Idle company cash: when to hand the investment conversation over
Accountants see company cash piling up long before owners act on it. Here is how to recognise the moment and refer it on.
How referral tracking works — and why it protects you
When you make an introduction, something has to record that it happened, tie it to any eventual fee, and stand up to scrutiny lat…
How accountants can offer financial-advice referrals without becoming regulated
Accountants field investment and pension questions daily but cannot answer them without FCA authorisation. The introducer route l…
How to disclose a referral fee to a client, properly
Disclosing that you earn a share when you refer a client is not an awkward admission to be buried; it is a professional obligatio…
Director's remuneration and the advice handover accountants owe clients
The remuneration planning accountants do best opens directly onto questions only a regulated firm should answer. Here is the hand…