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What the latest Google reviews have to say about us
Jansen van Vuuren
18 hours ago
Awesome input and insight from Derek regarding complex Trust matters!!
Nevashni Canthasamy
3 days ago
Derek went above and beyond I just want to say a big thank you to Derek Springsteen. He assisted me when I was stuck and made everything so much easier. He explained things clearly, was super responsive, and followed up to make sure I was sorted. Really appreciate your help Derek!
Charl van Jaarsveld
a month ago
Absolute Gem! Thanks for the priceless advice as always, Definitely a go-to with regard to trusts.
Irene Thembo
2 months ago
Great Service, and highly professional in all interactions . Am glad i came to the right place!!
Kathy Cassells
3 months ago
Have worked with Harbour & Associates for many years to issue & renew our BBEEE certificate for our Labour Law Attorneys firm Puke Maserumule Attorneys Cape Town and have only ever had 5 star service. Quick, efficient and professional. Have recommended their services to many colleagues.
Thobela Bixa
Edited 3 months ago
When I hadn't yet met Derek for a session we had numerous email exchanges and he was quick to respond while also showing care in his responses. He gave materials from his book to go through before our session and the information was amazing. When I eventually met him virtually, I came to understand why he was highly recommended!
Travis Somaroo
3 months ago
Had a lovely meeting with Derek Springett recently to get some clarity around the tax side of my business, and honestly couldn't have asked for a better experience. I went in with a lot of questions and uncertainty, and Derek took the time to actually work through everything with me no rushing, no generic answers. What stood out was how personalised the advice was. He clearly listened to my specific situation rather than giving a one-size-fits-all answer, and he went well beyond what I was expecting from the session. Walked out feeling genuinely relieved and a lot more at ease about where things stand. If you're a business owner needing proper tax guidance, I'd highly recommend reaching out to Derek and the team at Harbour and Associates. Good people who actually care about getting it right for you.
Michelle Stainbank
3 months ago
Amazing conversation and lovely wit, appreciate the knowledge shared
Werner van der Watt
3 months ago
Practical, succinct, complete. Love it!
David Friedman
Edited 5 months ago
Always get world class service from Harbour & Associates
Ricus Delport
5 months ago
I had a really valuable meeting with Derek and I genuinely appreciated the experience. What stood out for me was not just the advice itself, but the space Derek created to debate, challenge ideas, and openly discuss the real challenges of running and growing a business. Even without going deep into specifics, the conversation alone helped bring clarity and direction to my thinking. It was refreshing to speak with someone who has real business experience and who isn’t pushing a sales pitch, but rather encouraging better thinking and better decision-making. I left the meeting motivated, challenged, and clear-headed. Highly recommended if you’re looking for thoughtful, experience-based business guidance.
David Todd
6 months ago
Derek's book is informative & covers all of what one needs to know about setting-up a Trust.
ESTABLISHED IN 1972, WE'RE STILL HERE TO HELP YOU!
OFFICE HOURS
In line with modern practice, we have closed our Midrand office and gone virtual
7 days a week 08h00 to 17h00
There is never a charge for meetings with Derek. Saturdays, Sundays and Public Holidays included. Click here for his calendar.
PHONE NUMBER
If nobody is available to answer your call, please send a Whatsapp to Derek on 082 552 9696
EMAILS
Derek: derek@harbourassociates.co.za
Helen: helen@harbourassociates.co.za
Read Derek's Books -
All available on the
16Steps.co.za Website
16 Steps to Business
16 Steps to Marketing
A successful business needs tip top cash management and tip top marketing. Marketing is creating an environment where sales just happen.
In 16 Steps to Marketing Derek shares his marketing secrets in a simple, practical way that will guide you to success. Marketing is creating an environment in which sales will happen.
16 Steps to Tax Wisdom
The Income Tax Act is, without doubt, the most difficult of all Acts to understand and navigate, so it’s not surprising that there are so many misconceptions about what it says. 16 Steps to Tax Wisdom lifts out of the Act (and other tax acts), the essence of what you need to know as an individual and as an entrepreneur.
16 Steps to Wealth
From the day that you first earn income you need to start your long term financial planning. 16 Steps to Wealth will walk you through each step of your financial life, building your retirement investments, protecting your money from creditors, avoiding the taxes that come with death, and leaving a legacy for future generations.
16 Steps to Freedom
16 Steps to Freedom is about your ultimate destination in life. You’ve built your Business through successful Marketing and a good understanding of Tax. You are on the road to Wealth. What comes next? Freedom!
India 2024 - A Photographic Book
Latest Blogs from our CEO, Derek Springett
Buy a company that owns property and pay double CGT
I’ve written extensively on the double CGT Trap but there’s a subtle one that I missed. Let’s say you buy a company that owns fixed property that cost it R500 000. You pay R2m for the shares. You have effectively paid R2m for the property, right? Then at some stage
Flying/Driving out of SA? Stop and read!
From July 1 2026 SARS has introduced a new exit form that must be completed before you fly/drive out of or into South Africa. 1. You can only fill it in within 24 hours of departure, no earlier. So, logically, make it a part of your online check-in procedure.2. It
How can I move my production asset owning company into a trust without paying CGT?
Last month I talked about moving a service company into a trust. If the company owns assets, such as plant and machinery, then it gets a bit more complicated. The principal is basically the same. You register a new company and issue the shares to your trust. Then you start
Getting started with AI – Cash slips
Still wondering how AI can make your life easier? Here’s a nice one discovered by Sandi in our Durban office. A client sent her PDFs with loads of cash slips photocopied onto them. All different layouts, formats and suppliers. Sandi uploaded it to Claude.ai and asked him (it?) to schedule
CIPC don’t know the difference between a shareholder and a director!
Admittedly, I speak to a lot of people who don’t know the difference between a shareholder and a director, but surely we should be able to expect that CIPC, who are the guardians of the Companies Act, would know the difference? But no, they don’t. Here’s a pop up that
How can I become wealthy?
The first question is, of course, what do you mean by “wealthy”? I like my definition of being “reasonably wealthy” as “having enough passive income to be able to retire”. For us average people, there is, in my view, only one way to achieve this other than by gambling successfully
Auto-assessment on non-submission of Provisional Tax Returns
SARS is getting more and more aggressive. In early May they started hitting trusts with penallties for non-submission of annual tax returns. Then, on 6 May, we received correspondence from SARS advising that they intended to auto assess a 2nd Provisional Tax return for one of our inactive clients if
Getting started with AI – For your business
The best place to start is to watch a couple of AI How to videos, because you need to get an idea of what AI is all about and what it can do for you. Think Chat GPT, Claude, Perplexity. Then sit back and think of the repetitive tasks that
SARS’ insanity prevails!
I registered a new company and shortly thereafter received this email from SARS Ah! That is clearly the Tax number of the new company. Great service! double click on the pdf and guess what? State secret! It would have been really funny if the password had been the tax number,