The catch — FASEA Standard 7\n\nFinancial advisers cannot personally accept your referral fee. The fee must flow through their Licensee.\n\nThis is fine — Flip 360 handles it automatically. The rule for FP is marked `payee_on_behalf` and the commission gets paid to the Licensee (e.g. "Wealthwise Financial Group AFSL 123456"), not to the adviser personally.\n\n## When someone is ready for advice\n\n- Inheritance landed and they have no plan.\n- New baby or new job and superannuation feels too complex.\n- Approaching 50 and starting to think about retirement.\n- SMSF curiosity ("should we set up our own super fund?").\n\n## What pays\n\n15% of the initial Statement of Advice fee. Typical SOA is $4,000, so a referral is worth ~$480 (tier 1) + ~$120 (tier 2).\n\n## Disclosure\n\nDisclose in writing if you can, even just by text or email. "Michael is an authorised rep of Wealthwise. I get a small referral fee through Wealthwise's Licensee if you become a client." Document it.