Many times professional advisors have unique affinity or referral relationships that provide additional discounting to the end user. For example, many Payroll Companies have a special rate structure for businesses referred from their CPAs (I know at least two that discount to my clients), or bank services that can make some arrangements that ease the step into more efficiency and time-savings services.

And though perhaps not as jolly when sending folks to another professional as Edmund Gwynn in Miracle on 34th Street, professionals, like attorneys and CPAs, will refer a client whebn the need is outside the practitioners expertise, and may include some professional courtesy discount as well.

So think aloud with your professional advisor and see what copmes of it — thanks Kelly!