Insights
Referral guides for professional firms - spotting the moment, referring clients compliantly, and earning a share.
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…
Protecting children financially after separation: your cue to refer
Separating parents concentrate on child arrangements and maintenance, not on what protects the children if a parent's income or l…
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…
Pension sharing orders: why to introduce advice early
A pension sharing order can shape a client's retirement more than any other line in the settlement. Introducing regulated advice …
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…
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…
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…
How family solicitors turn matter closure into tracked, evidenced referrals
A step-by-step look at how a tracked referral works for a family law practice: consent recorded, disclosure automated, progress v…
The family solicitor's client after settlement: where the money questions go
Divorce turns one financial plan into two blank ones: a settlement to invest, a will that must be rewritten, protection naming th…
Pension sharing orders: why family solicitors should introduce advice early
Pension sharing orders routinely stall at valuation and implementation because regulated advice arrives too late. Family solicito…
The financial neutral vs a referral: where each fits
As collaborative and non-court approaches grow, the financial neutral has become a familiar figure. Understanding where the neutr…
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.
The settlement lump sum that needs a plan — and a referral
The moment a lump sum lands is the moment a client is most exposed and least advised. A timely introduction to a regulated advice…
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…
Referring clients on without feeling salesy
Most professionals dread cross-selling because it feels like a pitch. Framed as a referral to a trusted specialist, the same conv…