Adviser Insight
Understanding the Adviser’s Biggest Unknown
For many advisers thinking about changing networks, one question stands out: “How disruptive will this be?”
Moving financial adviser networks can feel daunting, especially when the timeline seems uncertain. While every transition is unique, the good news is that the process follows some predictable stages — and with the right support, disruption can be kept to a minimum.
What You Can Expect:
There’s no fixed rule for how long it takes to move a financial adviser firm, but most advisers can expect the process to take around three to six months from decision to completion.
Your personal timeline will depend on your type of move and personality as an adviser, we often see three broad profiles:
The Launcher: Values stability and careful planning. Prefers to move methodically, ensuring every compliance box is ticked before launch.
The Explorer: Keen to move quickly and test new opportunities, often taking advantage of support teams to handle the details.
The Lander: Somewhere in between — prepared to move efficiently but with structure and due diligence.
Understanding your own style helps set realistic expectations for your IFA network change timeline.
What About Client Disruption?
Many advisers worry that switching AR networks or moving to Direct Authorisation will unsettle clients. In reality, with clear communication and good planning, disruption is minimal. Drafting client communication templates, preparing FAQs, and aligning messaging with your compliance team ensures your clients feel reassured and supported throughout the process.
What Could Go Wrong — and How to Avoid It
Even the smoothest transitions can hit speed bumps. Common challenges include:
Delays in FCA approval: The FCA adviser approval timeline can vary depending on the complexity of your firm’s permissions.
Incomplete documentation: Missing compliance or PI cover documents can slow down processing.
Technology migration issues: Data transfer from CRM systems needs care and testing.
The key is preparation. A detailed financial adviser network transfer checklist helps anticipate these hurdles before they cause delays. Working with a partner who’s managed many transitions can dramatically reduce both risk and stress.
Moving with Confidence
The journey to independence doesn’t have to be uncertain. With structured planning and experienced guidance, most advisers complete their move within three to six months and often without major disruption to clients or revenue flow.
If you’re considering a move, now’s the time to get clarity.
Book a free strategy call to map out your exact journey and get a realistic timeline for your firm’s transition.
