80-180 active clients per adviser with 20-120m pounds AUM, depending on specialism. HNW books sit at 30-80 clients; mass-affluent at 150-250.
By adviser type
- HNW / wealth: 30-80 clients, 80-300m pounds AUM - Chartered / holistic: 80-180 clients, 40-180m pounds AUM - Mass-affluent: 150-250 clients, 20-100m pounds AUM - Protection-only: 400+ policies, commission-led
Capacity signal
Above 180 active clients, service slips - hire paraplanning or a junior adviser before scaling marketing further.