Our Team

WE ARE ALL PASSIONATE IN OUR AREAS OF EXPERTISE AND HAVE A DESIRE TO CONSTANTLY IMPROVE WHAT WE DO, AND HOW WE ACHIEVE IT.

JOSEPH MIASI CFP®, Bcom, Dip FP

FINANCIAL ADVISER & INVESTMENT ADVISER

Joseph is a Sub-Authorised Representative of Ultimum Financial Pty Ltd (trading as Ultimum Financial Services), Corporate Authorised Representative No. 1289192. Authorised Representative No. 328954

Ultimum Financial Services was established in 2011 by the Principal Financial Adviser Joseph Miasi.

We specialise in providing our clients with holistic independent advice to meet their financial goals and objectives, now and for the future.

Joseph Miasi is the principal financial planner at Ultimum Financial, with over 10 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 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 has a Self-Managed Super Fund (SMSF) accreditation.

Joseph is also a member of the FPA and has competed his CFP (Certified Financial Planner) accreditation.

LUKE WATSON Dip FP

FINANCIAL ADVISER & INVESTMENT ADVISER

Luke is a Sub-Authorised Representative of Ultimum Financial Pty Ltd, Corporate Authorised Representative No. 1289192. Authorised Representative No. 338518.

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.”

MANISHA BHUDIA CPA, AD Dip FP

FINANCIAL ADVISER & INVESTMENT ADVISER

Manisha is a Sub-Authorised Representative of Ultimum Financial Pty Ltd, Corporate Authorised Representative No. 1289192. Authorised Representative No. 1002916.

Manisha brings a unique perspective and skill set to the Ultimum Financial Services team. She is a current Member of the Chartered Institute of Management Accountants (UK), Associate Member Certified Public Accountants (Australia), Member of Financial Advice Association Australia (FAAA), Certified Estate Planning Professional and Associate Member 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 practicing 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 ‘Financial Adviser of the Year’ at the Women in Finance Awards for 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!’.

MELISSA COSTARELLA

CLIENT SERVICES ASSISTANT

Melissa is one of our client service assistants at Ultimum Financial and is here to help with any administration and account queries. Melissa has previously been in the bank industry before taking a break to have kids, returning to the industry in mid-2021.

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

AMANDA MIASI

PARAPLANNER & MARKETING MANAGER

Amanda first began in the Financial Planning industry in 2004 as a client administration manager and paraplanner in a boutique firm located in the Southwest. Amanda moved to Perth in 2006 to gain further knowledge and industry experience by working in some of Perth’s most well-known financial advice businesses while also studying to complete her Diploma in Financial Planning in 2009.

She continued to be an expert in her field with extensive knowledge in the back office financial planning operations and paraplanning until 2015 when she began her family. Even though the last few years she has taken a few steps back to raise two young children she has remained up to date with the latest changes in a profession that is continuously evolving.

Amanda believes the key to financial independence is not just about planning your financial future, but also about achieving your goals and dreams.

KAHL FISHER

ASSOCIATE ADVISER

Kahl completed a Postgraduate Diploma of Financial Planning before joining the team at Ultimum Financial Services in late 2021.

He has a keen interest in investing and is passionate about helping people achieve financial freedom. Working closely with our advisers, Kahl is responsible for producing modelling and documents for our clients. Kahl is continually building his skills as he works toward his goal of becoming a financial adviser.

COURTNEY SINCLAIR

ASSOCIATE ADVISER

Courtney started working in the financial planning industry in 2017. She has previously worked in boutique firms in Brisbane and Adelaide as a Client Service Manager and Paraplanner. She then joined the Ultimum financial team in Perth early 2023 as an Associate Adviser.

She completed a Bachelor of Commerce in Economics and Finance in 2013, at Victoria University of Wellington. After moving to Australia, she furthered her studies by completing an Advanced Diploma of Financial Planning in 2018, and is currently studying her Masters in Financial Planning.

Courtney is passionate about working with people from all walks of life and helping them achieve their financial goals. She is working closely with the advisers to further her knowledge and skills, with the aim of becoming a Financial Adviser in the future.

DANA IULIANO

CLIENT SERVICES MANAGER

Dana is the first voice most people hear when they call Ultimum Financial. She is our friendly Client services assistant and is here to help you with any administration matters relating to your accounts.

With multiple years’ experience in the financial services industry Dana has developed strong relationships with our clients and provides a high level of support ensuring your needs are dealt with in an efficient manner.