A boutique firm, built around you.
Established in 2011 by Joseph Miasi, Ultimum Financial is a privately-owned, Perth-based financial planning practice. We exist to walk alongside our clients through the most consequential moments of their financial lives — and to provide them with the clarity, strategy, and care those moments deserve.
A relationship that compounds over time.
Our team helps you implement strategies designed for the best possible outcomes for your financial future. We start by listening — by building a comprehensive understanding of your unique circumstances, your needs, and your long-term ambitions.
Whether you’re building, protecting, or maintaining wealth — for retirement, for the next generation, or for the life you want today — we’ll help you set up and maintain a strategy that’s simple, practical, and tax-effective.
Our experience spans the full spectrum: wealth creation, superannuation, debt management, personal insurance, estate planning, and the holistic integration of all of them. We provide tailored advice for individuals, couples, families, and businesses — with the depth to handle complexity and the care to make it feel uncomplicated.
You’ll take comfort knowing your financial world is in capable hands. We invest in long-term relationships built on transparency, trust, and a shared commitment to your future — relationships that compound, year after year, alongside the strategies we build with you.
We are not incentivised by, nor aligned with, any financial institution or product provider. The advice you receive will only ever be what we genuinely believe is in your best interest.
That has been our standard since the day we opened our doors in 2011. It will remain so.
Our process.
From our first conversation to your ongoing plan, here’s what you can expect when you work with Ultimum Financial.
We begin with a complimentary conversation to understand your goals, circumstances, and what you’re hoping to achieve. No obligation, no pressure.
Our team analyses your full financial picture and develops a comprehensive, personalised strategy aligned with your goals and timeline.
We present your Statement of Advice in clear, plain language — walking through every recommendation and ensuring you understand and agree with the approach.
Your financial life evolves. We review your plan regularly, respond to changes, and remain your trusted advisers through every chapter of life.
Plan, Protect & Grow.
Three steps. One unified strategy. Built entirely around you.
Planning is the first move toward your desired future. Many clients tell us they wish they’d sought advice sooner — that they hope it’s “not too late.” The truth is, getting quality advice now is always better late than never.
A conversation with our team is honest, transparent, and outcome-focused. As part of the planning process we will:
- Identify your needs and objectives
- Clarify the subject matter of advice sought
- Make reasonable enquiries to obtain complete and accurate information
- Assess whether we have the expertise to provide the advice you need
- Research products and structures that may meet your goals
- Base every judgement on your needs and objectives
- Take any other step reasonably regarded as being in your best interest
You’ve spent many years building your wealth. Protecting it deserves the same intention. Without a holistic approach — one that considers your family, yourself, your assets, and your income — investment advice on its own may not be sufficient to meet your retirement needs.
We work through strategies and structures that give you a clearer picture of where you stand today, and a stronger foundation for what comes next.
Growing your wealth — up to and through retirement — plays a fundamental role in achieving the life you want to live. We help you understand the strategies available to you, and provide investment options that match your preferences. From simple, low-cost portfolios to complex, actively-managed strategies — for your superannuation or for you as an individual.
Understanding your appetite for risk is central to this. As your circumstances change, so should your investment approach. We’re here to listen, guide, and adjust the path with you.