Kharmen Mathios CFP® Wealth Manager

Practice Manager / Wealth Manager

Kharmen Mathios, CFP^®

MBA, MCSI, AIBSA, CEA

Kharmen is a Certified Financial Planner^® Professional at Efficient Wealth. Efficient Wealth is a subsidiary of Efficient Group Limited, and wasa

With over three decades of experience in South Africa’s financial services industry, Kharmen is a seasoned and award-winning financial advisor who brings both strategic insight and heartfelt dedication to every client relationship.

Since 1989, Kharmen has built a dynamic career across leading institutions including FNB, Nedbank, Alexander Forbes, OOBA, and Old Mutual, excelling in senior management roles spanning wealth management, private banking, property finance, compliance, operations, and sales. Her diverse background gives her a unique ability to see the full picture and craft financial strategies that are both comprehensive and deeply personalized.

established in 1999 as a holistic personal financial services provider, aimed primarily at providing financial solutions for the benefit of clients affiliated to various professional accounting, auditing and legal practices.

Your Partner in Financial Empowerment

Kharmen has a passion for helping clients make sound financial decisions and building their wealth portfolio. She currently manages a Wealth Management Practice for the Efficient Group in the Fourways/Sandton area in Gauteng.

Kharmen’s mission is simple yet powerful: to help her clients

• create wealth
• retire comfortably
• achieve lasting financial independence

Her approach is grounded in integrity, clarity, and a genuine passion for helping people make informed financial decisions that align with their life goals. Whether you’re just starting your financial journey or looking to refine an established portfolio, Kharmen offers the guidance, experience, and personal attention you deserve.

Education and Certifications

MBA
Post Graduate Advanced Diploma in Management
CFP® – CERTIFIED FINANCIAL PLANNER® Professional
Post Graduate Diploma in Financial Planning for CFP (NQF 8)
FSA – Financial Services Advisor with FPI (NQF 7)
AIB (SA) – Associate in Banking through the Institute of Bankers (IOB) (NQF 7)
Regulatory Exam 1 completed
CEA – Estate Agents Affairs Board Exam – (Certified Estate Agent)
FAIS – Damelin – (accredited for Building Insurance & Insurance (Bond cover)
Project Management Certificate – University of Stellenbosch
B.Com Banking Degree – University of Pretoria
CAIB (SA) – Certified Associate in Banking through Institute of Bankers (IOB)

Financial Life Planning Model

Financial Planning Support Team

At Efficient Wealth, our dedicated Financial Planning Support Team works closely with your Wealth Manager to deliver expert financial planning services tailored to each client’s unique needs.

Our mission is to provide a comprehensive Financial Needs Analysis that supports the Wealth Manager’s advice and proposals, ensuring clients receive clear, actionable guidance for both personal and business financial goals.

We take pride in our ability to assess and understand your immediate and long-term financial requirements. Using advanced technology and a structured planning approach, we help you achieve your aspirations with confidence and clarity.

Each financial plan is customised to reflect your individual circumstances and objectives. With the support of our highly qualified team and cutting-edge tools, we deliver flexible, easy-to-understand solutions that evolve with your life and your business.

Annika van Zyl, CFP^®

Head: Wealth Planning

Pretoria

Melissa van Huyssteen, CFP^®

Financial Planner

Pretoria

Riana van Eeden, CFP^®

Financial Planner

Pretoria

Nokuthula Dladla

Bcomm Management Sciences

Pretoria

Arlien Enslin

Paraplanner

Pretoria

Yolandi Kotzé, CFP^®

Financial Planner

Cape Town

Rozan van der Merwe, CFP^®

Financial Planner

Cape Town

Candice Albertyn

Paraplanner

Cape Town

Financial Planning Center

Our Efficient Wealth Financial Planning Centre aims to accurately assess and understand a client’s immediate and future financial needs from both a personal and a business perspective. This assessment should incorporate your specific circumstances to ensure that your long-term wishes, goals, and objectives are achieved. Our comprehensive Financial Needs Analysis system affords our highly-qualified financial planning force access to world-class technology that is continually enhanced to accommodate the ever-changing financial services environment.