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Meet the team

Yash Tosar

Yash Tosar

Director and Pension Specialist

Yash leads the 1st Financial Foundations team. He is instrumental in cultivating strong relationships with clients and has core competencies in Wealth Management, Property Investment and is a Pension Transfer Specialist. Yash formed 1st Financial Foundations after spending nearly twenty years in the financial services industry. He stresses the importance of personalising services to meet clients’ financial needs and goals.

Yash is actively involved in various charities, enjoys travelling, is a keen golfer, skiing enthusiast and cyclist.


Bhaven Ondhia

Bhaven Ondhia

Managing Director

Bhaven is a qualified Mortgage Adviser and specialises in Insurance and Protection. With a background in sales and management, he continues to develop the business with new and existing clients. He manages the team and is actively recruiting new members of the team.

Bhaven is a great networker and enjoys supporting various charitable functions. His passions include golf, theatre, cinema and organising events for friends and family.


tina tosar

Tina Foster

Managing Director

Tina has a background in design, she manages our marketing, PR and client relations. Tina is an advocate of 'Heath is our Wealth’, however without wealth you can not invest in the best healthcare available to you.

Tina enjoys good food, yoga, travelling, journalling, meditation, pottery and visiting exhibitions. 


Raj Kundi

Ajay R Ganatra

Independent Financial Adviser

Ajay’s experience in Financial Services spans some 30 years. He is a passionate and a caring adviser who will work diligently with clients to meet their goals and objectives. His holistic and articulate approach ensures that all angles are considered and offers advice across the field of protection, investments, mortgages and pensions to personal and corporate clients. Ajay also has vast knowledge of the property market, comprising, investments and fund raising for the residential and commercial sectors.

Ajay is a people person and has long standing association with several social and charitable organisations; he is an avid follower of sports and a keen golfer.


Andre Cove

Andre Cove

Independent Financial Adviser

Andre has over 28 years' experience in the financial services industry working as a financial adviser. He specialises in Pensions, Investments, Protection and the Mortgage market.

His interests include football, martial arts and travelling.


Dylan Tosar

Dylan Tosar

Independent Financial Adviser

Dylan is an Independent Financial Adviser and has a degree in Accounting and Finance. He works in the areas of Investment and Cashflow planning, Mortgages and Protection, Retirement, Wils, Trusts and Inheritance Tax planning.

Dylan likes to keep fit and active at the gym, plays football and is an Arsenal supporter. You will often find him on the ski slopes in Europe skiing annually.


kalpana

Kalpana Patel

Independent Mortgage Adviser

Kalpana has a background in accountancy and worked as a Chartered Accountant for over 20 years. She joined the 1st Financial Foundations team in 2020 as a newly qualified Mortgage Adviser and is currently being mentored whilst her professional development training continues. She has a strong analytical approach and is a good team player who actively supports the other advisers at 1stFF.

Kalpana enjoys keeping fit, reading, travelling and spending time with her family.


Rickesh Kundi

Jaysul Tosar

Independent Mortgage Adviser

Jaysul is a qualified Mortgage Adviser. His aim is to help clients achieve their goals and objectives ranging from purchasing a home for residential purpose, Remortgage, Protection or looking to increase their Buy to Let property portfolio. His core values are to ensure clients are dealt with in the utmost professional manner, striving to achieve great customer satisfaction.

Jay has a background in IT and business consultancy where he built long lasting relationships with clients to understand, resolve and create a solution for the project.

Outside of work Jay enjoys skiing and football.




nikhita

Nikhita Ravaliya

Independent Mortgage Adviser

Nikhita is a newly qualified Mortgage Adviser and is currently being mentored whilst her professional development training continues. She is enthusiastic to help you save money on your mortgage and find the mortgage best suited to your needs.

Nikhita studied Business & Finance at university. She started her mortgage training in summer 2020 working with the 1st Financial Foundations team assisting daily with the mortgage process.

Nikhita enjoys travelling, socialising with friends & family and going to the gym. She was a gymnast competing regionally and is a regular thrill seeker, taking every opportunity to try something new. She has paraglided over the Swiss Alps and has climbed 2 out of the 3 peaks in the UK, next on her list is Ben Nevis.

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