Referrals account for 60-80% of new business for most professional services firms. Yet when you ask about their referral system, you get blank stares. Most accountants, consultants, and advisors have no actual system—they wait passively, hope clients remember to refer them, and miss 70-80% of potential referrals. Not because their work isn't referral-worthy, but because generating referrals consistently requires infrastructure, not just good intentions. This guide provides the complete framework: the psychology of why people refer (and why they don't), the five moments when asking feels natural instead of awkward, how to build referral partnerships that generate steady client flow, scripts that actually work, and the CRM infrastructure needed to track and improve results over time. If referrals are your best source of clients, you need a system for generating them.