Manisha Bhudia CPA SSA, Financial Adviser

26/08/2026

Thank you, Ben Wendel, for a great conversation!
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Some people inherit a path.

Others decide to break it.

In this episode of Internal Momentum, Ben sits down with Manisha Bhudia CPA, SSA®, financial adviser and wealth strategist at Ultimum Financial, to unpack why money means very little until you know exactly what you are building it for.

Manisha grew up in Nairobi, where the shape of her life was mapped out before she was old enough to question it. She was eight years old when her mother sat her and her two brothers down and told them their father might not survive a car accident, and it was the hopelessness in her mother's eyes that day that changed the direction of everything after it. Unable to afford further study, she registered with a UK accounting institute at nineteen, ordered textbooks from London, and spent six years as her own student and her own lecturer, driven by the belief that giving up would be a disservice to generations who had not been born yet.

Ben and Manisha explore what happens when a person is quietly told their capability does not count and how proving that your existence matters can become the engine behind an entire career. They talk about mortality, and how the sudden loss of Manisha's mother in 2022 changed the way she spends her time, her attention, and her money. Manisha shares the conversation she had with her daughter on a school run past a cemetery, and the question she puts to every client before a single financial strategy is written.

They also go somewhere most money conversations never go. Ben admits that family is not actually his top value, despite saying it for most of his life, and talks about letting go of the pressure to be a perfect father. Manisha offers a different way to hold all of it, values arranged in a circle rather than a hierarchy, where no part of a life has to be sacrificed to make room for another.

If you have ever worked hard for money without being able to say clearly what the money is actually for, this episode will hand you the question to sit with before you build anything else.


CPA Australia SMSF Association

Some people inherit a path.Others decide to break it.In this epi...

07/07/2026

Fantastic workshop organised by the Young Professionals committee at United Nations Association of Western Australia.

Uplifting financial literacy from a young age is an essential life skill which must be learnt sooner than later.
CPA Australia SMSF Association Ultimum Financial

26/06/2026

Empowering young adults regarding their own wealth management trajectory is an important life skill to harness. Life is full of complexity and variables at every phase and learning money management skills earlier on in life is a crucial life skill to learn.

I will be presenting a Financial Literacy workshop for the Young Professionals, on the 2 July 2026, an event organised by United Nations Association of Western Australia.

Please find link below for the event.
CPA Australia SMSF Association

Financial literacy is one of the most valuable life skills young people can develop. With the knowledge and confidence to make informed financial decisions, they are better equipped to achieve long-term financial wellbeing and independence.

Inspired by this, a Financial Literacy Workshop has been organised to empower young people with practical money management skills while supporting the United Nations Sustainable Development Goal 4: Quality Education.

With the end of the financial year just around the corner, this workshop is particularly timely, offering practical insights into budgeting, investing, superannuation, tax planning, and managing your money with confidence.

This workshop is FREE for members and $20 for non-members. Everyone is welcome regardless of age!

📅 Thursday, 2 July | 5:00-7:30pm
📍 Claisebrook Lotteries House, 31/33 Moore Street East, Perth WA 6004

Click here to book a spot: https://www.eventbrite.com.au/e/financial-literacy-workshop-tickets-1991698803737?aff=oddtdtcreator

Whether just starting a financial journey or looking to strengthen existing knowledge, this workshop offers practical tools and guidance to support informed financial decision-making.

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