Insights
Referral guides for professional firms - spotting the moment, referring clients compliantly, and earning a share.
Referral fees for conveyancers: what the rules actually say
Conveyancers can pay and receive referral fees. But the CLC, the SRA and Trading Standards all expect the client to know who is p…
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…
Redundancy and a lump sum: the referral a professional should make
A redundancy payout lands amid upheaval and rarely comes with a plan. Here is how to recognise the moment and make the introducti…
Red flags in a referral arrangement, and how to avoid them
A bad referral arrangement rarely announces itself, but it does leave clues. Here are the red flags worth watching for and the si…
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…
RAO Article 33, explained for professionals who refer
Article 33 of the RAO carves out a narrow, sensible space in which introducing a client is not itself a regulated activity. This …
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…
A vulnerable beneficiary and the trust conversation
When a client has a disabled, dependent, or otherwise vulnerable relative, a straightforward inheritance can create real problems…
Probate Purchases: Executors Surrounded by Financial Decisions
Behind every probate sale or purchase sits a family managing an estate, often for the first time, and usually with more decisions…
Measuring referral income: the metric hiding in plain sight
Professional firms track chargeable hours obsessively and referral income not at all. Measuring what your introductions are worth…
The client with no will: the commonest referral you're missing
The single most common estate-planning trigger is also the easiest to overlook: a client who has simply never got round to making…
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…
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…
Joint Owners, New Debt, New Dependants: The Wills Referral Moment
Buying a home together, taking on a joint mortgage, and starting a family often happen within the same short window of life. That…
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…
An inheritance just landed: why it's a referral, not a windfall
When a client inherits, a large sum lands amid grief and uncertainty. Here is how to recognise the moment and hand it over with c…
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…
How conveyancers can offer financial-advice referrals without becoming regulated
Conveyancers meet clients at the exact moment protection, wills and financial advice become urgent. Here is how to refer complian…
Idle cash: when a client's balance is a referral waiting to happen
Cash that sits still for years is often a sign that no one has looked at the bigger picture. Here is how to spot it and pass it o…
How to choose a referral network you can trust
Not all referral networks are equal, and the wrong one can put your reputation and your clients at risk. These are the things wor…
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…
First-Time Buyers and the Life-Cover Referral They've Never Considered
For most first-time buyers, the mortgage on your file is the first serious debt of their lives. Almost none of them have thought …
Divorce and a financial plan torn in two: your cue to refer
A separation rearranges a client's entire financial life. Here is how to recognise the moment, handle it with care, and refer.