Insights
Referral guides for professional firms - spotting the moment, referring clients compliantly, and earning a share.
The retirement runway conversation accountants should start
Accountants see clients approaching retirement long before they act. Here is how to open the conversation and hand it to a regula…
SRA vs CLC: Referral-Income Rules for Conveyancers, Plainly
Conveyancers are regulated either by the SRA or the CLC, and both permit referral income under clear conditions. This is a plain-…
The protection gap: how to spot the client who's underinsured
The protection gap rarely announces itself, but the clues sit in the everyday details you already handle. This is how to notice t…
Referral fees for tax advisers: professional rules and how to stay compliant
Referral fees sit in a grey area for many tax advisers. Here is what the professional rules actually require, and how a structure…
Spotting the protection gap in your accountancy clients
Accountants are ideally positioned to notice when a client's income or business has no safety net. Here is how to spot it and ref…
Six Figures Sitting Idle in the Current Account: Time to Refer
When cash builds up and simply sits there, the owner may not realise they have decisions to make. You see the balance first, so y…
Referral partnerships between professionals: making them stick
Professional referral partnerships fail quietly: three introductions, no feedback, then silence. Making them durable is a design …
Referral fees for probate professionals: what the rules actually say
A plain-English guide to the rules on referral fees for probate practitioners, estate administrators and funeral directors in the…
Single-income households post-separation: the protection referral
A financial settlement quietly assumes that maintenance and earnings will keep flowing. Separation removes the informal safety ne…
Shareholder agreements and the wills that must match them
When you review ownership documents you often discover the shareholders' agreement and the owners' personal wills tell different …
Referral fees for mortgage brokers: what you can accept and how
A practical guide for UK mortgage brokers on accepting referral fees compliantly: what the rules actually require, how disclosure…
Referral fees for solicitors: what the rules actually say
Solicitors can pay and receive referral fees in most work. LASPO bans them in personal injury; the SRA Code governs the rest thro…
Referral fees for mortgage brokers: what the rules actually say
Mortgage brokers can pay introducers and earn fees for onward referrals. MCOB, the Consumer Duty and the FCA's conflicts rules sh…
Referral fees for marketing agencies: what the rules actually say
No statute stops a marketing agency taking referral fees. But agencies serving financial clients sit near section 21 of FSMA — a …
Referral fees for letting agents: what the rules actually say
Letting agents can still earn referral fees from contractors, insurers and conveyancers. What the rules require is disclosure of …
Referral fees for IT consultants: what the rules actually say
IT consultants face no statutory referral-fee ban. The traps are contractual conflict clauses, the FCA perimeter when clients nee…
The retirement runway: spotting the client who needs advice now
The years approaching retirement are when the right guidance counts for most. Here is how to spot the client on that runway and h…
Referral fees for family solicitors: staying inside the SRA rules
Referral fees are permitted in family law, but only when the arrangement is disclosed and documented. Here is what the SRA framew…
Referral fees for insurance brokers: what the rules actually say
FCA-authorised insurance brokers can pay and receive referral fees. The rulebook cares about conflicts, disclosure of remuneratio…
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…
Referring your startup-founder clients
Startup founders are brilliant at building the business and poor at protecting themselves. Spotting that gap, and referring well,…
Referral fees for estate agents: what the rules actually say
Estate agents can take referral fees from conveyancers, brokers and removals firms. The rules demand one thing in return: telling…
Referring your higher-net-worth clients well
Higher-net-worth clients rarely need one thing in isolation. Knowing when to bring in a specialist, and how to do it well, is cen…
Referring your landlord clients: an accountant's guide
Property clients sit on decisions that reach far beyond the tax return. Knowing which landlord to refer, and when, turns a routin…