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There has been lots of discussion here about contracts and payments - what I have been doing recently is taking $300 down when the contract is signed - this is for the photo shoot(s) only. Then after a reference is decided on they pay half.
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I'd definitely suggest you ask for more upon contract signing, before the photo shoot. I find the hardest work is planning for the photo shoot itself: overall composition, setting, clothing, lighting, camera angle, etc, etc. If that's all done right, often the painting paints itself. I don't want a client to back out after I've done all that prep and creative planning simply because they only have $300 invested. I put in literally weeks of planning before I did the photo shoots for the Governor's portrait. It's half the battle, shooting good reference.
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