Our Office
Spaces Office Park, Design Quarter, Fourways
General Enquiries
t: 011 513 3248 | c: 082 900 5665 | consult@efficient-wealth.co.za
MEET
Kharmen Mathios
Your Partner in Financial Empowerment
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.
Financial Planning Specialists
Kharmen Mathios, CFP®
MBA, MCSI, AIBSA, CEA
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.
Services available:
Today, Kharmen leads a thriving Wealth Management Practice under the Efficient Group, based in Fourways/Sandton, Gauteng. Her practice offers wholistic financial planning across a wide spectrum of services, including:
- Investments & Bespoke Portfolios
- Risk Cover & Short-Term Insurance
- Home Loans & Property Finance
- Tax Advice & Estate Planning
- Retirement Planning & Medical Aid
- Group Schemes & Stock Broking
- Wealth Creation & Financial Independence
Contact Us
Get In Touch
We would like to hear from you to see how we can help you!