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.

Illness, Injury and Missed Mortgage Payments: How Exposed Is Your UK Mortgage in 2026?

Imagine waking up one morning, too ill to work, and realising that next month’s mortgage payment is no longer guaranteed. For more than a quarter of UK homeowners, that’s not a thought experiment – it’s already happened. Recent 2026 research shows that 28% of UK homeowners have missed at least

Pension power moves: how to raise your retirement savings rate

When people think about growing their pension, they often focus on investment performance. That matters, but there is another lever that is usually more within your control: your retirement savings rate. Your pension savings rate is the percentage of your income being paid into your pension. It can include your

Beat the Clock: Your 2026 Tax Year-End Checklist for Smarter Investing and Retirement

With the 2025/26 UK tax year ending on 5 April 2026, now’s the time to act on key allowances for ISAs, pensions, and more—especially if investments and retirement are your focus. At 1st Financial Foundations, we help you maximise these opportunities without the hype. Why Act Before 5 April?