For financial advisory firms
10 Qualified Appointments.
Pre-screened. Exclusive.
Paid On Attendance.
No retainer. No contract. No shared prospects.
Book an Introduction Call →- 10 attended appointments / batch
- £250k+ min assets
- One firm per region
- Part of the Pearl Lemon Group
- Registered at Companies House
- FCA-compliant financial promotions
- Consumer Duty standards throughout
The problem
You built your firm on referrals.
Good clients, properly introduced, who arrived already trusting you. You did the work. You gave the advice. They stayed.
The problem is not the quality of what you do.
The problem is that referrals come when they come. You cannot turn them up when you need them. You cannot plan around them. You cannot build a firm on something you cannot control.
So you have tried other things.
Events that filled a room but rarely filled a pipeline.
Directories that sent you names shared with four other firms.
Marketing agencies who promised leads and delivered enquiries from people with £30,000 in a cash ISA wondering if they should switch to a different one.
None of it was built for a firm like yours.
What we do
What Highwater does is straightforward.
- 1Advertise to the right people. Paid Meta ads to UK adults aged 50 to 65 who hold £250,000 or more in investable assets or pensions.
- 2Qualify every response. Every response is checked for assets, intent, timing, and fit before a booking is made.
- 3Book them into your diary. Only the ones that pass are booked straight into your diary as a confirmed appointment.
Ten attended appointments. Exclusive to your firm. Nobody else receives that introduction.
You do not share them. You do not compete for them. They are yours from the moment they show up.
The economics are not complicated.
According to the FCA's own survey of the advice market, the typical advised client holds £250,000 in assets and generates around £2,000 a year in advice fees. A client with £500,000 in assets, at a standard 1% ongoing charge, generates £5,000 a year. Recurring, for as long as you look after them.
FCA, Understanding the Financial Advice Market, 2025. fca.org.uk/data/understanding-financial-advice-market
Ten attended appointments. Say two become clients.
The revenue returns every year. The fee does not.
And that is before the referrals begin.
A well-served client talks. Not immediately, and not to everyone. But within 12 to 24 months, a client who trusts you will introduce someone they know. A colleague approaching retirement. A sibling who has just received an inheritance. A friend who has been meaning to sort their pension for years.
This is not an accident. It is how financial advice has always grown. The difference is that Highwater gives you the clients that referral chain starts from.
Each attended appointment costs £800. You commit to a batch of ten upfront. The batch is not complete until ten qualified prospects have shown up. A booking that does not become a meeting does not count toward your ten. We keep going until it does.
The figures above are an illustration, not a forecast. Conversion depends on your proposition and follow-up; we do not guarantee a conversion rate or a return. You are paying for ten attended appointments, not for clients won.
Model your own numbers in the calculator →What we do not do.
We do not send you leads. A lead is a name and a number. Anyone can sell you a name and a number.
We do not send you enquiries. An enquiry is someone who clicked on something while they were vaguely curious.
We do not send you shared prospects. The person sitting across from you has not just come from a meeting with your competitor down the road.
What we send you is a real person, with real money on the line, who has been qualified, who knows what the meeting is about, and who has chosen a time in their diary to show up.
And you do not pay for an empty chair.
Compliance
The compliance question
Every promotion we run is prepared in accordance with FCA financial promotion rules. We operate under Consumer Duty standards. We do not make claims we cannot support.
Your firm's name does not appear in our advertising at any stage. The campaign runs under the Highwater brand throughout.
Why firms trust Highwater
Built to be bought again.
One firm per region
We take on a single firm in each region. Your appointments are exclusive to you, never shared, never resold.
Pre-screened to your criteria
Every appointment is checked against the criteria you agree before it reaches your diary. The filtering happens before you pick up the phone.
No-shows do not count
If a prospect does not attend, that appointment does not count toward your ten. The batch continues until all ten shows are complete.
Highwater is part of the Pearl Lemon Group. Pearl Lemon Limited is registered at Companies House (company 10411490).
One firm per region
Is your region still open?
We take on a single firm in each region of the UK. When a region is claimed, it closes to everyone else. Find yours on the map.
Book a call
Let's find out if your region is still open.
We will confirm your region is open and walk you through exactly how the pay-per-show batch model works. One short call. No hard sell.