Independent Financial Advice

Building your financial future.

We offer comprehensive financial planning tailored to meet your unique needs and objectives. Our team are dedicated to guiding you through every stage of your financial journey, ensuring you achieve your financial goals with confidence and peace of mind.

Wealth Planning

Wealth planning is about more than just managing your money; it’s about creating a strategy that ensures long-term financial security and growth.

Retirement and Pensions

We offer expert advice to help you build a robust retirement plan that ensures financial stability in your later years.

Mortgages and Protection

Choosing the right mortgage can be a daunting task, but our advisers at 1st Financial Foundations are here to help.

Savings and Investment

We offer expert advice on savings and investments to help you achieve your financial goals.

Wills, Trusts and Inheritance Tax Planning

Effective estate planning ensures that your assets are distributed according to your wishes and can help minimise inheritance tax liabilities.

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1st Financial Foundations is a leading financial planning firm in Milton Keynes and London, dedicated to helping professionals, business owners, self-employed, contractors and families.

Who we are

We are a close-knit team of independent financial advisers, with a shared goal of helping our clients achieve financial confidence and freedom.

Our Story

Our history is rooted in the entrepreneurial beginnings of our founder, Yash. The business was established in 2001 to provide advice, education and support to help people make sound financial decisions for improving their lives.

Words of Gratitude

"I've used 1st Financial now for both Financial Management services and Mortgage Advisory services, and they have never been less than exceptional. Always incredibly prompt with communication, extremely knowledgeable, and their level of professionalism is second-to-none. They really do take great pride in helping their clients, and clearly have a passion for what they do. I feel very fortunate to have found them."

“Very knowledgeable - really good understanding of the market. Really worked hard to get us the best deal!!”

“We were really impressed with our Independant Mortgage Advisor. Jaysul is a very good listener and communicator. He kept us up to date, with clear and easy to read mortgage options and regular updates. We didn't feel rushed at all and took our time when waying up choices. Good balanced advice. Would certainly recommend. Thank you Jaysul. You are a credit to your profession.”

“Very helpful advisors. Fantastic service from start to finish. Kept me updated throughout the process. Would strongly recommend there services.”

“1st Financial has secured us a re-mortgage offer rapidly, in quite complicated circumstances. Thank you.”

Discover expert insights and the latest industry trends.

February 2026: BoE hold interest rates at 3.75%

The Bank of England has maintained its current stance, and now it is your turn to respond. The base rate remained at 3.75% on February 5, following a close 5–4 vote. This indicates that while cuts are expected in the future, they are not imminent. And now a week on,

Christmas 2025 on a Budget: Enjoy the Season, Stay in Control

Christmas should feel good, not stressful. Here’s a simple, UK-specific plan to enjoy the season, protect your cashflow, and start 2026 in control. Energy bills: the Ofgem cap rises slightly in Jan–Mar 2026 to £1,758 a year for a typical household — budget for that change now. Budget 2025 headline

The Autumn Reset: Simple Cashflow Tweaks That Make a Big Difference

The Autumn Reset: Simple Cashflow Tweaks That Make a Big Difference With the Autumn Budget set for Wednesday 26 November 2025, now’s a great time to tidy your money and make small changes that add up. Think of it as an autumn reset: quick wins today, less stress tomorrow and