Insights
Referral guides for professional firms - spotting the moment, referring clients compliantly, and earning a share.
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…
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…
Refer what you don't write: the broker's guide to pensions and investments referrals
Mortgage clients routinely raise pensions and investments in the same breath as their mortgage. Here is how to handle those momen…
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…
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…
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 …
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…
The mortgage broker's guide to wills and estate planning referrals
Why completion is the natural moment for wills, LPAs and estate planning, what to listen for in client conversations, and how UK …
How mortgage brokers turn completions into a referral income line
A practical playbook for UK mortgage brokers: audit what you refer away for free, build referral prompts into your completion pro…
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…
Why mortgage brokers lose the protection conversation — and how to keep its value
Mortgage brokers raise protection at exactly the right moment, then lose the complex cases and the wider advice questions that su…
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…
Later-life lending clients and the estate-planning referral
Clients arranging later-life lending are usually weighing what they leave behind. The estate-planning referral could not sit more…
How mortgage brokers can offer financial-advice referrals without becoming regulated
Mortgage brokers are FCA-authorised — for mortgage business. Clients' pension and investment questions need different permissions…
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…
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 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 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…