If you are a referral agent with a referral only company, your fees will be less and you will not need to complete CE. If you want to be a referral only agent with an active brokerage that is a member of MLS and the national, state, and local REALTOR associations, you will need to join the REALTOR association and complete CE. You have an opportunity to make money with the latter, if you are with a broker who embraces and works with referral agents to generate an income. If you hang your license with the first, you could earn a referral check. However, most do not and, as it pertains to your work efforts, you would be flying solo.