Capture: DB or DC, current provider, approximate pot, last valuation date, retirement timeline, and whether they have previous advice. 6 fields is enough to triage.
Six-question qualifier
1. DB or DC? 2. Current provider / scheme name 3. Approximate pot (pound bands) 4. Retirement timeline (years) 5. Main driver (flexibility, death benefits, tax) 6. Existing adviser?
Disposal rules
Reject: pot under 30k, DB over 30k without PTS, already receiving advice (unless second opinion requested).