Trust does not transfer automatically.
A client may trust their accountant, lawyer, or broker deeply. That does not mean they will accept a financial-advice introduction without the right context.
For NZ financial advisers and wealth planners
A referral network for financial advisers who want introductions at the moment advice becomes relevant.
Refer connects financial advisers and wealth planners with professionals who hear about liquidity, retirement, overseas assets, inheritance, business sale, lending, protection, and property decisions.
The problem
Financial-advice referrals depend on timing and trust.
Clients rarely ask every professional in their life for a financial adviser. But they do reveal signals: selling a business, receiving inheritance, approaching retirement, transferring wealth, reviewing debt, or moving money after a life change.
Product leads damage positioning.
If the conversation starts as a product quote or platform enquiry, it can be hard to reset it as proper planning advice.
Poor-fit clients drain advice time.
Asset level, life stage, complexity, and advice need matter. More names are not useful if they cannot fit your model.
A good referral connects money to the next decision.
When a partner introduces you at inheritance, retirement, business sale, or liquidity moments, the advice has a reason to exist.
Where referrals start
Who can spot the right referral moment?
Financial advisers can be excellent match partners when the client trigger and advice boundaries are clear.
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Accountants
Listen for
Business sale, retained earnings, tax planning, succession, trust work, surplus cash, or owners approaching retirement.
What you can send back
You can introduce accounting, tax, structure, and bookkeeping needs discovered through advice.
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Property lawyers
Listen for
Inheritance, estates, relationship-property changes, trusts, property sales, inbound investors, or succession documents.
What you can send back
You can send clients who need legal structure, wills, trusts, or property advice.
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Mortgage and insurance advisers
Listen for
High-income accumulators, debt strategy, personal protection, business risk, KiwiSaver, and retirement planning.
What you can send back
You can identify when lending or protection should be reviewed as part of the broader plan.
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Real-estate agents and business brokers
Listen for
Asset sales, liquidity events, downsizing, business exit, or clients deciding what to do with sale proceeds.
What you can send back
You can help clients make the sale proceeds part of a structured plan.
Real matches
What a useful match actually looks like.
These are anonymised examples based on real Refer profiles and introductions.
Anonymised match 01
Financial adviserBusiness broker
A business sale creates cash that needs a plan.
The financial adviser
Works with high-net-worth clients, inheritance recipients, business-sale liquidity, high-earning accumulators, and people approaching retirement.
The matched partner
Hears from owners before and during exit conversations, when personal planning has not caught up with the commercial event.
Why this pair works
The broker sees the sale trigger. The adviser helps the client turn proceeds into a plan rather than an unmanaged bank balance.
Make the introduction when
A client is preparing to sell, has sold a business, or needs to coordinate wealth with debt, estate, tax, or insurance decisions.
Anonymised match 02
Financial adviserProperty lawyer
A returning Kiwi needs offshore assets and local decisions joined up.
The financial adviser
Specialises in returning Kiwis, UK expats, migrants with offshore assets, and retirement-planning clients.
The matched partner
Handles property, trusts, estate, relationship-property, and legal structure questions when clients move assets or lives.
Why this pair works
The niche is easy to remember. The partner only needs to hear the overseas, pension, asset-transfer, or retirement trigger.
Make the introduction when
A client mentions time in the UK, an overseas pension, returning to New Zealand, offshore assets, golden-visa style investing, or retirement income planning.
Anonymised match 03
Financial adviserAccountant
A business owner turns business wealth into personal wealth.
The financial adviser
Works with high-net-worth clients, business-sale liquidity, high-earning accumulators, and people approaching retirement.
The matched partner
Advises established, multimillion-dollar SMEs preparing for growth or sale.
Why this pair works
The accountant sees the owner building value inside the business. The adviser can help turn a future sale or surplus cash into a personal wealth plan.
Make the introduction when
An owner is preparing to sell, approaching retirement, holding substantial cash, or asking what life after the business should look like.
This is not
- A FAP, product provider, investment platform, or adviser directory.
- A cold investor-lead source.
- A substitute for your own advice process, disclosure, licensing, or suitability work.
This is
- A managed referral network for financial advisers and wealth planners.
- A way to clarify the advice moments adjacent professionals should listen for.
- A fit-led relationship system for advisers with a defined client model.
Is this a fit?
Refer works best when the profession, client type, and partner logic are clear enough that another professional can remember it during a real client conversation.
Good fit
- You can explain who is and is not suitable for your advice model.
- You respect advice boundaries, consent, and client trust.
- Your process can create reciprocal value for accounting, legal, mortgage, insurance, or property partners.
Poor fit
- You are looking for generic product leads.
- You cannot state your asset, life-stage, or advice-fit criteria.
- You want partners to introduce clients without context or permission.
Questions this profession usually asks
Is Refer a FAP or investment platform?
No. Refer facilitates introductions between independent professionals. Financial advisers remain responsible for their own licensing, disclosure, advice process, recommendations, and client outcomes.
What kinds of financial advisers fit best?
Advisers with a clear niche tend to be easiest to match: retirement, wealth planning, overseas pensions, business owners, high-income accumulators, inheritance, or another defined advice lane.
Can Refer filter out poor-fit leads?
The fit profile records ideal clients, exclusions, geography, capacity, and partner triggers. That helps partners avoid sending clients who do not fit the adviser’s model.
Will partners expect referral fees?
Refer does not take a cut. Any member-to-member fee arrangement is private and must comply with the rules and disclosure obligations that apply to the professionals involved.
Build a referral network that knows when to think of you.
Apply in two minutes. If there is no sensible match logic, Refer will say so before asking you to become a member.
Apply as a financial adviser