Manisha has over 25 years’ experience in the finance industry, Manisha has been working as a financial adviser since 2014 helping clients design sustainable wealth building strategies. A self-taught Chartered management Accountant and CPA, Manisha has over 10 years’ experience working in listed commercial businesses in various management accounting and leadership roles; and supporting business owners, self-managed super fund (SMSF) clients, professionals and those focused on building their assets and investments.
Manisha Bhudia has been working as a financial adviser since 2014 helping clients design sustainable wealth building strategies.
A certified estate planning professional and behavioural money coach, she loves the psychology around money and helping clients navigate the complexities of financial and intergenerational planning.
She is particularly passionate about helping women achieve economic empowerment; assisting clients going through separation, divorce, widowed or other significant life changes – and helping them achieve financial freedom.
Seek trusted Financial Planning advice click on the link below to read more about financial planning for any life stage.
By acting now, you can boost your financial confidence and build a more secure retirement.
Over time Manisha Bhudia has been involved in spreading her story and knowledge through podcasts and articles. These can be viewed by clicking the links below.
Podcasts
Top Financial Mistakes Women Make after Separation and Divorce: Click here to listen
Ensombl Advice Podcast - Manisha shares her story: Click here to listen
Navigating Financial Empowerment Post Separation and Divorce: Click here to listen
Empowering Financial Independence after Separation and Divorce: Click here to listen
Mastering Your Finances Post Separation and Divorce: Click here to listen
Your next chapter starts
with knowing your numbers.
A guided, year-long financial education program designed specifically for women navigating separation — built to give you clarity, confidence, and control over your financial future.
100% free · 100% online · Learn at your own pace
You don't need to know everything right now.
Flourish was created for women who are stepping into financial decisions they've never had to make before. You don't need a finance background — you just need a place to start.
You're going through separation and realise you have gaps in your financial knowledge
Your partner managed most finances and you're not sure where to begin
You want to understand your entitlements around superannuation, property, and assets
You're ready to build a new financial life on your own terms, with confidence
"I wish someone had sat me down and explained all of this from the very beginning."
Everything you need to know, in the right order.
Each module builds on the last — moving you from understanding the basics to building a genuinely secure financial future.
Understand exactly what you own, what you owe, and what you earn. Build your complete financial picture — many for the very first time.
What super is, why it matters enormously for your future, and what generally happens to it during separation proceedings.
A plain-English guide to how property, investments, and other assets are generally treated — so you can have truly informed conversations.
Open accounts, build credit in your own name, understand your entitlements, and establish your independent financial foundation.
Practical cash flow management for a new chapter. Make your income work harder, reduce financial stress, and plan with real confidence.
Introduction to investing, growing your super, protecting your assets, and building lasting financial security for the years ahead.
A community of women who FLOURISH
The Flourish community is a private, moderated space where members ask questions, share wins, and support each other through one of life's most challenging transitions.
Private Discussion Forums
Ask questions and share experiences in a safe, supportive space
Live Q&A Sessions
Regular sessions with our financial planning team to answer general questions
Worksheets & Resources
Downloadable guides and checklists you can use at your own pace, in private
Completely Private
No social login. No public profiles. Your participation stays between you and the community.
A gift from us to you — completely free.
We believe every woman navigating separation deserves access to clear, empowering financial knowledge. That's why Flourish is offered at no cost — our contribution to helping you move forward with confidence.
🔒 Your enrolment is completely private. No credit card required.
General Advice Warning: The information provided through the Flourish program is general in nature and does not take into account your personal financial situation, objectives, or needs. It is not intended to be, and should not be relied upon as, personal financial advice. Before acting on any information, you should consider whether it is appropriate for your circumstances and seek advice from a qualified financial adviser, legal professional, or other relevant expert.
Flourish is a financial education program delivered by Ultimum Financial Pty Ltd (ABN 60 649 063 150) trading as Ultimum Financial Services, a Corporate Authorised Representative (No. 1289192) of Capstone Financial Planning Pty Ltd (ABN 24 093 733 969), Australian Financial Services Licence No. 223135.