Insights
Referral guides for professional firms - spotting the moment, referring clients compliantly, and earning a share.
The pension nobody reviews: the signs any professional can see
Most people have a pension they have not thought about in years. Here is how to recognise the client for whom that neglect has be…
The client questions HR consultants hear most — and where to send each one
HR consultants field financial questions every week — and most cannot lawfully be answered by HR. A sorting guide for the ones th…
Client retention through referrals: the loyalty lever firms overlook
Most firms treat retention as a matter of doing core work well and pricing it fairly. The bigger lever sits at the edges of what …
Pension scams: the warning signs that repeat every time
Pension fraud costs victims their retirements, not just their savings. The pattern is depressingly consistent — which makes it le…
Why referral income compounds while fee income plateaus
Most firms hit a ceiling on fee income sooner or later, because it is tied to hours and headcount. Referral income behaves differ…
The referral you already make for free — and what it's worth
Ask most firms whether they run a referral business and they say no. Ask whether they ever tell a client who to speak to about so…
January is the most valuable month in your calendar — and not because of fees
For one month a year, accountants speak to everyone. What happens in those conversations decides the rest of the year.
Becoming the trusted hub: what happens when you can always say I know someone
There is a particular kind of firm clients never quite leave: the one that always seems to know who to call. Becoming that firm i…
How to disclose a referral fee to your client
The disclosure conversation feels harder than it is. Here's the structure, the timing, and what a clean paragraph of wording actu…
The compliant referral conversation, word by word
A compliant referral is mostly a matter of language: introducing clearly, disclosing honestly, and never straying into advice. Th…
The referrals your practice already makes — and gives away for free
Every accountancy practice is a referral engine. Most run it for free. A look at the economics of the introductions you're alread…
The surviving spouse and the planning they now need
Why the surviving spouse is one of the most under-served people in estate administration, and how a gentle, consent-based referra…
The protection gap: how to spot the client who's underinsured
The protection gap rarely announces itself, but the clues sit in the everyday details you already handle. This is how to notice t…
Referral fees for probate professionals: what the rules actually say
A plain-English guide to the rules on referral fees for probate practitioners, estate administrators and funeral directors in the…
Referral partnerships between professionals: making them stick
Professional referral partnerships fail quietly: three introductions, no feedback, then silence. Making them durable is a design …
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 …
The retirement runway: spotting the client who needs advice now
The years approaching retirement are when the right guidance counts for most. Here is how to spot the client on that runway and h…
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…
Why probate professionals are perfectly placed to fix Britain's wills gap
Probate practitioners see the cost of intestacy and stale wills first-hand. This article makes the case that they, not will-write…
Inherited wealth: why probate firms should introduce regulated advice
Five- and six-figure inheritances often arrive with no financial guidance whatsoever. This article explains how probate firms can…
How funeral directors and probate professionals make consented referrals
How funeral directors and probate professionals can refer bereaved families to vetted, regulated specialists using an opt-in, evi…
Referral audit trails: what good evidence looks like
In a regulated environment, being able to show what happened is nearly as important as doing the right thing. A good referral aud…