Breaking Barriers: Personal Finance to host financial inclusion event at Wanderers, Johannesburg

Personal Finance will host a landmark event on November 27 at Wanderers Stadium in Johannesburg under the theme: “Breaking Barriers: Building a Financially Inclusive South Africa.” The gathering will bring together leading voices in financial education, behavioural change, and advisory services to explore practical solutions for improving access, understanding, and confidence in personal finance.

Gary Kayle: driving behavioural change for financial wellbeing

Among the headline speakers is Gary Kayle, founder and CEO of Worth, a pioneering organisation focused on transforming financial behaviour in South Africa. Recognised as one of Radio 702’s Shapeshifters, Kayle has empowered hundreds of thousands of South Africans to take control of their money through innovative, behaviourally informed programmes.

His journey began with a personal insight: that the complexity of the financial services and credit industries often leaves individuals overwhelmed and disempowered. In response, he established Cumulate, a behavioural science company that partners with major financial institutions to deliver scalable financial wellbeing solutions.

Through both Worth and Cumulate, Kayle continues to lead a movement that makes financial confidence not only accessible but aspirational, championing inclusive, measurable progress for all South Africans.

Salem Nolubabalo Nyati: a voice for financial literacy and advocacy

Salem Nolubabalo Nyati, Consumer Financial Education Specialist at Momentum Group, brings nearly two decades of experience in financial literacy, advocacy, stakeholder engagement, and media relations. Her passion for consumer education was ignited in the early 2000s, when she began conducting public workshops on credit, over-indebtedness, and money management.

Nyati has extended her reach through both traditional and digital media, delivering content in English and various vernacular languages. Her previous roles include serving as spokesperson for the Credit Bureau and the Credit Ombudsman, positions that cemented her as a national advocate for responsible money management.

At Momentum Group, she now focuses on educating young South Africans about key financial concepts, aligning with the organisation’s mission to help citizens build and protect their financial futures.

Kharmen: a trailblazer in financial advisory

With over 35 years of experience across banking, wealth management, private banking, and property finance, Kharmen stands as a formidable figure in South Africa’s financial advisory sector. Her career spans institutions such as FNB, Nedbank, Alexander Forbes, OOBA, and Old Mutual. She currently serves as a Financial Manager at the Efficient Group in Fourways/Sandton.

Kharmen’s accolades include top awards in sales and operations, and her expertise covers a wide spectrum, from investments and estate planning to tax, retirement, risk, and short-term insurance strategies. She is a Certified Financial Planner with credentials from both the CFP Board (US) and the Financial Planning Institute (SA), and holds an Executive MBA, a BCom in Banking, and several postgraduate diplomas.

Her affiliations include the Institute of Bankers, SCI Wealth (Botswana), the Chartered Institute for Securities & Investment (UK), the Institute of Directors, and Women on Boards (UK and Australia).

But beyond her qualifications, Kharmen is driven by a deep commitment to people. Her mission is to help individuals, families, and business owners:

• 💰 Build sustainable wealth
• 🛡️ Safeguard what matters most
• 🏖️ Retire with dignity and comfort
• 🧭 Achieve true financial independence

This event promises to be a powerful platform for dialogue, insight, and action, uniting experts and everyday South Africans in the shared goal of breaking financial barriers and building a more inclusive future.

PERSONAL FINANCE