Insights
Referral guides for professional firms - spotting the moment, referring clients compliantly, and earning a share.
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…
Recurring Referral Income: The Line Item Accountants Overlook
Accountants advise clients to build recurring revenue, yet many overlook a recurring line of their own. Referral income, done pro…
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 …
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…
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…
Profitable extraction: the owner's personal advice handover
Improving profit is your work; deciding how the owner personally extracts and deploys it is not. This is a frequent, high-value h…
Profit extraction that stopped making sense: the advice handover
Profit extraction planning is core tax adviser work, but the most efficient answer increasingly points to pensions and personal f…
Producing the specialist: how referring makes you more valuable
Referring an owner's personal financial and estate questions does not diminish you. Being the person who assembles the right spec…
Referral fees for probate professionals: doing it properly
A fresh look past the 'are they allowed' debate at what a properly run referral-fee arrangement actually requires in day-to-day p…
Probate Purchases: Executors Surrounded by Financial Decisions
Behind every probate sale or purchase sits a family managing an estate, often for the first time, and usually with more decisions…
Probate distributions: the advice referral every solicitor should make
The point of distribution is where a probate matter quietly hands a beneficiary a decision far bigger than the estate administrat…
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…
Pre-need and funeral-plan clients: the estate-planning conversation
How funeral directors serving pre-need and funeral-plan clients sit at an unusually good moment to introduce estate-planning help…
Portfolio succession: the estate-planning referral landlords ignore
The bigger a landlord's portfolio, the more they have avoided the question of who inherits it and how. You are well placed to sur…
Personal-injury damages and the financial-advice referral
A personal-injury award can be life-changing and hard to manage, yet PI is the very area the referral-fee ban targets. Here is ho…
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…
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 …
PCRT and referral arrangements: staying inside the code
CIOT and ATT members work to the Professional Conduct in Relation to Taxation standards. Referral arrangements are not banned by …
The non-dom or expat client and the specialist referral
Internationally mobile clients generate some of the most complex triggers a tax adviser sees. You analyse the UK tax position; th…
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…
New buyers and the life-cover conversation they've never had
For most first-time buyers, the mortgage is the biggest financial commitment of their lives and the protection conversation is on…
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…