The People Behind Your Plan

Meet the team.

At Ultimum Financial, you don't just get one adviser — you get the knowledge, experience, and dedication of an entire team. We collaborate on every client plan, bringing our collective expertise to ensure no opportunity is missed and no risk is overlooked.

We take pride in a culture of continuous learning, genuine care, and relentless pursuit of the best possible outcomes for every person we serve.

Meet Us in Person
15+
Years in business
100%
Non-aligned advice
Complex Financial &
Retirement Planning
Advice specialty
WA
Perth-based team
Our Team

Expertise you can trust.

JM
Joseph Miasi
Joseph MiasiCFP®, BCom, Dip FP
Director · Financial Adviser & Investment Adviser

Founder and Principal Financial Adviser. Nearly 20 years' experience with specialist expertise in Self-Managed Superannuation Funds.

SMSF SpecialistDirectorInvestment Adviser
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Ultimum Financial Services was established in 2011 by the Principal Financial Adviser Joseph Miasi. We specialise in providing our clients with holistic non-aligned advice to meet their financial goals and objectives, now and for the future.

Joseph is the principal financial planner at Ultimum Financial, with nearly 20 years' experience in the financial planning industry. He graduated from Curtin University with a Bachelor of Commerce majoring in Finance and Information Systems. Joseph commenced working in 2006 as a Paraplanner where he honed his technical financial advice skills before moving into a Financial Adviser role in 2009.

Joseph has advised clients with a range of financial needs including but not limited to Insurance, Investments, Superannuation and Debt Strategies, with a particular specialty in Self-Managed Superannuation Funds.

He has also completed the following further study during his career — Diploma of Financial Planning, Advanced Diploma of Financial Planning, and a Self-Managed Super Fund (SMSF) accreditation.

Joseph is also a member of the FAAA (Financial Advice Association Australia) and has completed his CFP (Certified Financial Planner) accreditation.

Sub-Authorised Representative of Ultimum Financial Pty Ltd (trading as Ultimum Financial Services), Corporate Authorised Representative No. 1289192. Authorised Representative No. 328954.
LW
Luke Watson
Luke WatsonDip FP
Director · Financial Adviser & Investment Adviser

Director and Investment Adviser combining stockbroking experience with holistic financial and retirement planning expertise.

Dip FPRetirement Planning SpecialistInvestment Adviser
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Luke spent several years progressing his skills working alongside some talented and knowledgeable financial planners and stockbrokers. He learnt the ins and outs of financial planning from the ground up, working in a variety of financial services businesses. This experience has given him a solid foundation and a deep understanding of the investment and financial planning process. Luke believes the knowledge and skillsets that he has built enables him to provide exceptional advice.

Like his upbringing on a small working farm in the Adelaide Hills, a hands-on approach provided the environment to learn on the job and to get his hands dirty. These skills were honed by working and mastering the administrative side of the stockbroking and financial planning industries and progressing to providing holistic and carefully crafted Financial & Retirement Planning advice. He believes that having a deep understanding of the full financial planning process has provided him with a grounded and humble approach to his profession.

Luke has a genuine care for people and the outcomes of the advice that he provides. He has a young family of his own and the most enjoyable times are watching his family grow, learn and prosper.

I am a financial adviser, but I am also an individual with my own goals and ever-changing financial needs, which assists me in understanding and adapting to my client's needs, ongoing financial planning requirements and the advice they receive.
Sub-Authorised Representative of Ultimum Financial Pty Ltd, Corporate Authorised Representative No. 1289192. Authorised Representative No. 338518.
MB
Manisha Bhudia
Manisha Bhudia
Financial Adviser

Financial Adviser combining 10+ years' planning expertise with a CPA, CIMA UK and commercial finance background. Voted Top 50 Most Influential Advisers in Australia (2021).

CPA AustraliaCIMA UKAdv Dip FP
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Manisha brings a unique perspective and skill set to the Ultimum Financial Services team. She is a Chartered Management Accountant (CIMA UK), Associate Member Certified Public Accountants (Australia), Member of the Financial Advice Association Australia (FAAA), Certified Estate Planning Professional and Associate Member of the SMSF Association. She has also completed an Advanced Diploma in Financial Planning and holds a Certificate in Behavioural Money Coaching.

Manisha has over 10 years' experience practising as a Financial Adviser and a prior 11 years' experience in Commercial Finance. The benefit of her previous extensive experience as a CPA and a Chartered Management Accountant allows her to combine these skills with her financial planning acumen to develop strategies that help clients achieve their financial freedom.

In 2021, she was voted as one of the 50 Most Influential Advisers in Australia by Financial Standards, and was also a Finalist for ‘Financial Adviser of the Year’ at the Women in Finance Awards in 2021 and 2023.

I have figured out my purpose and passion in this lifetime, which is to use my capabilities to help people live their best fulfilled and wholesome lives across their various life stages. My two children, two tabby cats and our mini dachshund are the centre of my Universe!
Sub-Authorised Representative of Ultimum Financial Pty Ltd, Corporate Authorised Representative No. 1289192. Authorised Representative No. 1002916.
MC
Melissa Costarella
Melissa Costarella
Practice Manager

Practice Manager combining attentive client care with day-to-day operational leadership. Brings prior banking-industry experience to the team.

Practice ManagerBanking Background
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Melissa is the Practice Manager for Ultimum Financial Services Pty Ltd.

Melissa not only assists our clients with great care and detail, but she also manages the Ultimum practice. Melissa was previously in the banking industry before taking a break to have children, returning to the industry in mid-2021.

We are delighted to have her as part of our team, providing support for our business and to our clients.

KJ
Katie Johnson
Katie Johnson
Client Services Manager

Client Services Manager with 6+ years' experience supporting quality financial planning firms across Western Australia.

Client Services6+ Years Experience
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Katie has over 6 years' experience with several quality financial planning firms in Western Australia. She has strong knowledge of the financial planning industry and is always eager to assist.

Her experience and wonderful nature make her a pleasure to work with.

We are delighted to have her as part of our team, providing support for our business and to our clients.

JH
Jonathan Henton
Jonathan Henton
Associate

Technical adviser supporting complex and High Net Wealth clients across investments, superannuation, tax structures, and estate planning.

PortfolioInvestment Committee
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Jonathan Henton is a Senior Associate at Ultimum with over eight years' experience in financial services, including extensive expertise in complex and High Net Wealth client advice. He works closely with senior advisers to deliver holistic strategies across investments, superannuation, tax structures, and estate planning.

Jonathan has held Senior Associate roles within award‑winning advisory firms and has extensive experience within investment committees overseeing significant client assets. His experience includes portfolio construction, strategic asset allocation, financial modelling, and managing advice implementation for both wholesale and sophisticated clients.

Known for his technical depth and attention to detail, Jonathan plays a key role in coordinating advice delivery, supporting client strategy, and ensuring high‑quality outcomes across Ultimum's client base.

WD
William Drake-Brockman
William Drake-Brockman
Administration

Recently joined the financial planning industry with strong ambition to become a financial adviser.

AdministrationAspiring Adviser
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William has recently entered the financial planning industry and has a keen interest in all things finance. His goal is to become a financial adviser.

Governance

Investment Committee & Advisory Board.

Behind every recommendation sits a robust governance framework. Our Investment Committee oversees portfolio strategy and asset selection, while our Advisory Board provides independent strategic guidance to the firm.

Investment Committee

Portfolio strategy, asset allocation, and ongoing investment oversight.

Our Investment Committee meets regularly to set portfolio strategy, oversee asset allocation, and review the recommendations we make to clients. We combine the experience of our senior advisers with two trusted external specialists — bringing institutional-grade research, governance discipline, and an independent client lens to every investment decision.

Investment Consultants
Mercer Insights
Asset Consulting & Managed Accounts
→Why we partner with Mercer
  • Institutional-grade investment capability and manager research, paired with a client-first lens that aligns with how we advise.
  • A dedicated partner who translates macroeconomic perspective into practical portfolio construction, platform implementation, and ongoing oversight.
  • Robust governance frameworks aligned to our risk tolerances, regulatory obligations, and client expectations.
  • Ongoing education, research, and investment collateral that keeps both our advisers and our clients informed.
  • Backed by global scale — over 3,000 investment professionals advising on more than US$16 trillion in assets, with US$692 billion under direct management.
Bruce Maloney
Principal · WP Invest
Internal Members
Joseph Miasi→
Director · Financial & Investment Adviser
Luke Watson→
Director · Financial & Investment Adviser
Manisha Bhudia→
Financial Adviser
Jonathan Henton→
Associate · Investment Markets & Strategy

Advisory Board

Independent strategic guidance on the direction of the firm.

Our Advisory Board meets three times a year to provide independent strategic guidance on the direction of the firm. Each member is a highly respected figure within the financial services industry and a recognised leader in their own field — bringing distinct perspectives across licensee management, executive leadership, risk and insurance, and accounting. Their collective insight and counsel is invaluable in helping Ultimum continue to evolve with the standards, opportunities, and expectations of the profession.

Members
Tim McCallumDFP, CFP
Practice Manager WA & SA · Capstone Financial Planning
Norman Robinson
Chief Executive Officer · Sentinel Financial Group
Brennan Ivanov
Business Development Manager · TAL
Nick EllingsenCA
Director · Accumulate