1st Financial Foundations

read moreWe are honest and accountable for the service we provide, we only make recommendations that are suitable and put the clients interests first. We value and nurture long term relationships with our clients. Clients should always feel secure in the advice we give them and be able to talk to us if they do not feel their expectations are being met. Our knowledge and professional competence is a commitment to continued learning to ensure our skills and expertise provide the best quality service to our clients.

read moreYash 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.

read moreFrom an early age most of us are encouraged to save. Do you remember your first piggy bank or opening a savings account at your local bank or Post Office as a child? Whether we are putting our money in a piggy bank, or into a multinational investment company, our aims are broadly the same; to provide for our future needs, and to protect ourselves against unexpected causes of expenditure. The first step in achieving everyday and longer-term financial goals is starting to save. No matter where you are in life or what your dreams may be, we can help you make progress on achieving the things (whether big or small) that make life better.

read moreWhether you are making provision for your spouse and children, ensuring that those you wish to benefit from your assets do so, or whether you wish to protect assets from exposure to Inheritance Tax, it is absolutely vital that you undertake proper estate planning and make a Will. The trouble with leaving it until it's too late is that, with no Will, your wishes may not be fulfilled, and you could potentially land your nearest and dearest in a bit of a mess, which is the last thing they'll want to have to think about when all their thoughts are occupied with grieving.

read moreAlthough private pensions have taken a bit of a battering in the last few years, they are still an extremely easy, tax-efficient way to build up a retirement nest egg. The biggest benefits of a pension include a tax-free cash lump sum of 25% of your fund upon retirement and a regular steady income derived from buying an annuity with the remaining 75%. Planning for your retirement is possibly the most important financial decision you will ever make. With life expectancy increasing year on year, we are now seeing the potential to spend almost as many years enjoying retirement as we have spent saving for it.

read moreMortgages are possibly the largest single transaction in most people's lives. Buying a property can be a stressful and time-consuming experience, although nowadays the financing of a mortgage is a case of finding and selecting the most suitable deal, rather than simply accepting a lender's offer. 1st Financial Foundations are committed to finding you the right mortgage that suits your individual requirements and circumstances. As your mortgage will be one of the biggest financial commitments you will ever make, we believe it is vitally important to make sure you always have the most appropriate mortgage available.

read moreIt's surprising how little time most business owners spend on planning every week, yet it's vital for continuous and productive change in an organisation. Good business planning ensures you know where you are going, what you have to do to get there and how you are going to do it. It can also highlight problems before they grow to a size that could threaten the stability of your business. You'll find that 1st Financial Foundations Independent Financial Advisers is a comprehensive source of information and advice on issues like capital financing, business and tax planning, exit strategies, commercial insurance, and corporate pensions and investments.

read moreWe have dealt with 1st Financial Foundations for a number of years now and do not have a word to fault there services. They always put every customer on a number one priority and give a fantastic service and advice. Highly recommend their services to all our friends and family. I have been using 1st Financial Foundations upon the recommendation of a close friend. Bhaven Ondia - who was supporting me - has been of an invaluable support throughout the whole process. Bhaven over-exceeded my expectations during the whole process: he made himself constantly to rapidly answer my questions (from the most basics to the complex ones), advising me (without influencing me) to make sure I would secure the mortgage that best suited my needs, and in a very short time-window (as I wanted to accelerate the process as much as possible).