Insights
Referral guides for professional firms - spotting the moment, referring clients compliantly, and earning a share.
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…
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.
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…
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 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…
Completion week: new debt, new dependants, no will
The week a mortgage completes is when a client's exposure peaks. New debt, people depending on them, and frequently no will make …
Complex protection cases: when to hand off rather than decline
Some protection cases are simply beyond a comfortable standard sale. Handing them off, rather than declining them, keeps the clie…
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 mortgage brokers: from introduction to commission statement
Mortgage brokers meet clients at peak financial honesty. This guide covers referring the advice needs outside your permissions — …
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 …
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…
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 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…