Manisha Bhudia CPA SSA, Financial Adviser

12/03/2026

Welcome to the podcast, Honest Conversations for Women – Financial Empowerment post separation and divorce with Manisha Bhudia CPA SSA, Financial Adviser, Fiona May Steddy and Sandra Lee from Women On Transition After Separation or Divorce - It's Your Time To Shine.
In this podcast, Manisha and Fiona have a conversation on:-
🟢 Importance of pursuing economic empowerment is one of the key life survival skills for Women.
🟢 Long term financial impact on Women due to carer and nurturer responsibilities.
🟢 Taking accountability and responsibility of your Life and working towards creating a Life you feel proud to live.
🟢 Understanding importance of income needs not only now but also post non-working life phase.
🟢 As Women are living longer, understanding and making financial provisions for future care costs is critical.


CPA Australia SMSF Association

Fiona interviews financial planner Manisha Budia about helping women navigate separation and divorce through financial empowerment and independence. They dis...

12/03/2026

Welcome to the podcast, Honest Conversations for Women – Mastering Your Finances post separation and divorce with Manisha Bhudia CPA SSA, Financial Adviser, Fiona May Steddy and Sandra Lee from Women On Transition After Separation or Divorce - It's Your Time To Shine.
This podcast covers off on importance of understanding, Cash”Flow” as a building block of growing sustainable wealth and compartmentalizing goals in each “bucket’ and assigning a dollar value to it to provide a targeted approach towards achieving set goals.



CPA Australia SMSF Association

In this episode of the Women on Transition Podcast, hosts Fiona May and Sandra Lee are joined by financial expert Manisha Buddha to discuss crucial strategie...

12/03/2026

Welcome to the podcast, Honest Conversations for Women - Empowering Financial Independence after separation and divorce with Manisha Bhudia CPA SSA, Financial Adviser, Fiona May Steddy and Sandra Lee from Women On Transition After Separation or Divorce - It's Your Time To Shine.
This week's podcast covers off on importance of understanding: -
✅ Assets and Passive Income
✅ Understanding debt - Consequences of Joint and several debts
✅ Understanding Superannuation and the impact in the long term
✅ How to manage overwhelm whilst navigating the separation journey

Join Fiona May and Sandra Lee from Women On Transition as they welcome financial advisor Manisha Buddia from Perth, Western Australia. In this episode, they ...

24/02/2026

Great conversation with Fiona May and Sandra Lee from Women on Transition regarding Top Financial Mistakes Women Make After Divorce and Separation.

In this podcast conversation, we talk about: -
✅Importance of getting clarity on your cashflow requirements pre- and post-divorce. Generally, a woman's life expectancy is around 85 years, so if you retire at 65, you potentially have 20 years of cashflow needs that need to be considered. Completing financial projections which factor in your current and future financial needs becomes critical.
✅Work towards uplifting your financial literacy. Understanding various investment options, diversification and compounding impact, all aid towards sustainable approach to wealth creation.
✅As women are living longer, planning for future care costs is important so when that time comes, you are financially prepared to navigate that phase of life.
✅Considerations of whether to retain or sell family home as part of the property settlement.

CPA Australia SMSF Association

Welcome to the Reset and Shine podcast with Fiona May and Sandra Lee! In this episode, we are joined by the amazing financial expert, Manisha, to discuss the...

16/02/2026

One of the Financial Advice areas I am Purpose driven about is enhancing Women’s Economic Empowerment.

Statistically, post Divorce and Separation it takes a woman, minimum 7-8 years to recover financially. Primarily as generally women tend to be the primary carers pre and post divorce and separation which results in a long term financial detriment.

Women are also living longer with average life span of around 85 years. With average retirement Age of 65, women generally have to create sources of income to support their retirement income needs for 20 years post retirement! This is why seeking robust and trusted financial advice is critical to create a renewed financial trajectory to help you navigate the journey as seamlessly as possible.

I am looking forward to participating at the below event which is a great opportunity to reset for navigating life post divorce and separation.

Links below for the podcast with Fiona,Sandra and myself also to a link to attend the event on 13th March 2026 to 15th March 2026 by On Transition After Separation or Divorce at the Perth Convention and Exhibition Centre 🙂.

Join Fiona May and Sandra Lee, hosts of the 'Reset and Shine' podcast, as they explore critical financial strategies for women navigating separation and divo...

12/01/2026

Great start to 1st week back into the office. Ready to deliver more strategic financial outcomes for our existing and new clients in 2026.

Client testimonials and client advocacy are much appreciated as the trust factor in financial services industry is critical in order to be able to continually deliver long term sustainable financial planning strategies in order for our clients to live their best lives.

SMSF Association CPA Australia

Team Ultimum, wishes all our clients and support network a very Happy and Healthy 2026 and beyond.

It has already been, 1st week back into the office with renewed energy and we are ready to help existing and new clients kick off their 2026 financial goals.

Our first client testimonial of 2026! We are very proud of our Financial Adviser Manisha Bhudia CPA SSA, Financial Adviser.

Not only does Manisha bring forth her experience and technical capabilities when helping clients navigate their financial pathways but her innate ability to connect with our clients “being” to “being” and simplifying technical financial concepts is what leads to clients becoming her biggest advocates.

Below client outcomes are not possible without the relentless backing of our Ultimum team. We look forward to delivering more client outcomes in 2026 and beyond.

20/11/2025

Creating a positive impact, one life at a time.

It’s been an impactful and productive last couple of months. Very proud of my clients who equally took back control of their financial reigns so they can live life on their own terms!

Thank you for the reviews and testimonials 🙏.

2025 has been nothing short of changes and uncertainties across the world. Reach out and surround yourself with people who can help you elevate and enhance your life!

Seeking your own Financial Empowerment is a critical life survival skill. It’s a parachute that helps you with a soft landing, if crisis hits and equally also keeps you safe and open to be able to afford choices that defines your joy and happiness in life.

Here’s to 2026 and beyond….. “This is our Time” (Photo I took at the Emirates stadium during my visit to UK in July 25 🙂).

Ultimum Financial CPA Australia SMSF Association

30/07/2025

The Why, behind the Why….

Came across below and thought to share it.

Whichever life stage you are at, work towards seeking your own Financial Freedom so you can live your life on your own terms.

Wealth is a tool to help you create and support a life that you want with the people who matter the most to you.

Ultimum Financial

24/05/2025

Saturday feels!!!

When clients drop in an authentic review, it makes my heart flutter!! It makes me realise I am on the right track 🙂. Another family is on the right track coz of specialised financial advice!!!

Heartfelt thank you to Catherine and Paul for trusting me to lead them through the next phase of their lives 🙂♥️.


Ultimum Financial

23/04/2025

The WHY....When client walks away with Peace in her Heart.

Yesterday, I completed a joint meeting with Estate and Succession Lawyer and my client to assist in designing a strategic Succession plan alongside wealth management strategies.

Julie is 68 and Matt is 78. Unfortunately, Matt has been struggling with dementia and Julie is equally trying to manage her ongoing health issues. The struggle was evident in her eyes.

When I initially met Julie in Dec 24, we identified below concerns: -
🛑 Both clients were in an SMSF, Accumulation phase. Combined cash balance of $123,000 and parcel of shares of $23,000.
🛑Family Trust - Primary asset is a commercial property they have owned since 1980s', now worth $6M with debt of $1.2M. Cash buildup of $400,000 with no strategic investment strategy in place. Average rental yield is 97%! It's a cash cow and an asset they intend to retain as an intergenerational asset.
🛑 Wills and PoA's were set up in 2015, requires a review.
🛑 Family Trust Deed requires a review as Julie is currently the Sole Director and is struggling to manage the family trust on her own.

Some of the solutions considered to address above concerns:
✅ Move the SMSF into Pension phase, sell down non-performing parcel of shares, roll the funds out of SMSF into a cost-effective retail fund, set up Pension for Julie and wind up the SMSF by 30 June 2025. 🌟Win - Simplification and one less structure for Julie to deal with.
✅ Consider alternate options to house and invest the cash build up in the family trust from a taxable to a tax-free structure. 🌟Win - Opportunity to strategically invest the cash reserves.
✅ Upon review of existing Wills and discussing multiple options adding a codicil to existing Wills may better meet client's succession objectives. 🌟Win - Julie saves costs and does not have to re-do her Will.
✅ Consider adding both the adult children as Directors and Beneficiaries of the family trust. 🌟Win - Close knit family and adult children can continue to manage the intergenerational asset. Gives Julie more time to focus on her and Matt's wellbeing. Optimal also from profit distributions perspective and eventually we will consider setting up a bucket company once the distributions hit a certain tax threshold.

🌟 🌟 🌟 Ultimate Win - Upon completion of the meeting Julie, walked away with Peace in her heart; sigh of relief that she can now focus on her and Matt's wellbeing. Both adult children have been equally engaged in the process which makes it a smooth transition of assets when the time comes.

Disclaimer: Please seek advice specific to your personal circumstances.
SMSF Association CPA Australia Ultimum Financial

08/03/2025

To thrive is a natural and seamless outcome if you are surrounded by people who equally share similar growth mindsets and are invested in each others growth trajectory.

I could not have asked for better team mates at Ultimum Financial; specifically the Financial Advisers, Luke Watson and Joseph Miasi as Leaders championing change, progression and who continue to contribute to for Women in Finance.

Today marks, International Women’s day, one of the Financial Advice areas I am Purpose driven about is advancing Financial Literacy and Women’s Economic Empowerment.

Today our team stands in solidarity showing off our biceps 💪🏼 in support of .

Thank you to Luke Watson, our Team mate for nominating me for Women in Wealth Awards 2025. Change and is a team effort. Let’s continue to create a positive impact, one Life at a time 🙂.