Insights
Referral guides for professional firms - spotting the moment, referring clients compliantly, and earning a share.
How solicitors can offer financial-advice referrals without becoming regulated
Solicitors meet clients at exactly the moments financial advice matters — probate, divorce, business sales. Here is how to refer …
Litigation settlements: turning a cheque into a referral
When commercial or contentious matters settle, the client receives money and no guidance on what to do with it. Here is how a sol…
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…
Lasting powers of attorney: the referral accountants forget
A lasting power of attorney is the document nobody thinks about until it is too late to make one. As the professional closest to …
Landlord protection: the cover most landlords have never reviewed
Landlords protect bricks and mortar as a matter of course. What happens to the rent and the mortgage if life goes wrong is a ques…
Joint Owners, New Debt, New Dependants: The Wills Referral Moment
Buying a home together, taking on a joint mortgage, and starting a family often happen within the same short window of life. That…
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 letting agents can offer financial-advice referrals without becoming regulated
Letting agents hold long, trusted relationships with landlords facing genuinely hard financial decisions. Here is how to refer th…
Introducing is not advising: the line tax advisers must hold
The whole model rests on one line: you introduce, you do not advise on the regulated work. Understanding exactly what that means,…
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…
Inherited wealth: why it's a regulated-advice referral, handled gently
A clear account of the line between introducing and advising when inherited wealth is involved, and why staying firmly on the int…
Inheritance-tax exposure in the accounts: your cue to refer
Accountants see estates growing past the thresholds that matter. Here is how to recognise the exposure and refer it to a regulate…
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…
Inheritance tax on an estate: when to bring in a specialist
A practical guide for probate professionals on spotting the estates that warrant specialist tax input, and how to make that intro…
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…
How estate agents can offer financial-advice referrals without becoming regulated
Estate agents sit beside the biggest financial decision most people ever make. You can refer clients to regulated advice, complia…
The IHT computation that becomes an estate-planning referral
Tax advisers see the inheritance tax exposure before anyone else does, usually while preparing something else entirely. Here is h…
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…
Idle company cash: when to hand the investment conversation over
Accountants see company cash piling up long before owners act on it. Here is how to recognise the moment and refer it on.
How conveyancers can offer financial-advice referrals without becoming regulated
Conveyancers meet clients at the exact moment protection, wills and financial advice become urgent. Here is how to refer complian…
ICAEW's code and referral fees: what accountants can accept
Chartered accountants often assume referral fees are off-limits. ICAEW's Code says otherwise — provided you disclose the arrangem…
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…