Insights
Referral guides for professional firms - spotting the moment, referring clients compliantly, and earning a share.
Referrals and Consumer Duty: doing right by clients in the chain
Consumer Duty and the wider standards of professional conduct are usually discussed in terms of the advice a firm gives. They als…
Consent orders and the advice handover that avoids delay
Consent orders formalise what the parties have agreed, yet they frequently depend on financial arrangements that need specialist …
Consent and GDPR when you refer a client onward
The moment you share a client's name and circumstances with a receiving firm, you are processing personal data, and that brings t…
The clean break that isn't clean without financial advice
A clean break order ends ongoing financial claims between former spouses, which is precisely why each party is now entirely on th…
Capitalised maintenance and the investment conversation
Capitalising maintenance converts a stream of future payments into a lump sum today, on the assumption the client can make it las…
A business sale on the horizon: the proceeds referral moment
When a client is heading toward selling their business, the proceeds are a major referral moment. Here is how to spot it early an…
A referral income guide for marketing agencies: from introduction to commission statement
Marketing agencies hold monthly retainer conversations with founders whose money questions have nowhere to go. This guide covers …
The annual-allowance trap: a referral trigger hiding in plain sight
Certain pension pitfalls hide behind a high income or a good year. Here is how to spot the client who might be exposed and why it…
A referral income guide for IT consultants: from introduction to commission statement
IT consultants serve contractors and founders wrestling with IR35, retained profit and exit plans. This guide traces a compliant …
Property abroad: the will complication that needs a specialist
Foreign property sounds like a lifestyle detail, but it can complicate an estate enormously. When a client mentions a place abroa…
A referral income guide for insurance brokers: from introduction to commission statement
Insurance brokers hear pension and investment questions they cannot answer under their own permissions. A structured referral tur…
A referral income guide for HR consultants: from introduction to commission statement
HR consultants stand next to employees at the exact moments financial advice matters most. This guide maps the compliant path fro…
A new baby and no guardianship clause: the wills referral
A new arrival changes a family overnight, yet the one legal safeguard most new parents overlook is a guardianship provision. When…