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Trusts and Estate Planning

Let Us Share More Knowledge With You

Read Derek's Book on Property Investment, Trusts and Legacy Planning

16 Steps to Wealth

From the day that you first earn income you need to start your long term financial planning. This book 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 maximising what you leave to your children and future generations.


Established in 1972, we're still here to help you 24/7 - we never close!

Office hours -

Monday to Thursday 08h00 to 15h50
Friday 08h00 to 13h00
Meetings with Derek Saturday, Sunday through Thursday (you'll see his diary when you click on the above link)

Phone numbers -

Office hours: 011 805 0030
Office hours: 087 655 1478
We are available on the above numbers 24/7

Emails -


This is what the latest Google Reviews had to say about us

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Harbour And Associates IconHarbour And Associates

1st Floor, Gallagher School Building, 537 Lupton Drive, Midrand

4.9 86 reviews

  • Avatar Keegan Moolman ★★★★★ in the last week
    After having read his book on trusts (a must read!), I had a great conversation with Derek before even committing to do business with Harbour & Associates. Derek's generosity with both his time and knowledge is tremendous and ultimately … More convinced me that partnering with Harbour was the right decision. If you're wondering whether this is the right decision for you then I highly suggest scheduling a meeting with Derek.
  • Avatar Martha Tshirangwana ☆☆☆☆ a week ago
    Horrible after service received from the Director to the admin. Will not advice anyone to register new company using thier service. Once is registered they use thier logins as tax practioner where SARS matters is concern, ask them to remove … More themselves you will be sent from pillar to post.
    Its been a year that I am unable to submit my company's tax return as they want me to do it through them so they continue to charge me for something you can easily do on efilling.
    Numerous attempt to make contact with them however no positive outcome. Instead they do not even respond.
  • Avatar Ivy ★★★★★ a month ago
    The consultation with Derek was bespoke to my business requirements, Thank you!
  • Avatar faith kgaditse ★★★★★ a month ago
    Wonderful and challenging insight from Derek. Thank you for being so different, available; sharing your experiences and knowledge...appreciated.
  • Avatar Brian Magidela ★★★★★ 2 months ago
    Derek took the time out to meet with me on a Saturday morning. That alone speaks volumes. Our discussion was engaging and mind opening. I now have a newly acquired strategy to implement in solving my problem. Awesome session indeed. Thanks … More a mil Derek!!!
  • Avatar Keith Kunene ★★★★★ 2 months ago
    Thank you Derek for such valuable insights and your generosity. I thoroughly enjoyed our conversation and will be engaging with you further. You are a gift. Bless you
  • Avatar Daniel Goldberg ★★★★★ 3 months ago
    Had a very insightful engagement with Derek who so generously shares his time, knowledge and expertise. Would highly recommend!
  • Avatar Stuart Milligan ★★★★★ 5 months ago
    Very knowledgable and helpful expert in tax and accounting. Always a pleasure to work with Derek and his team
  • Avatar Chez Matt ★★★★★ 7 months ago
    Thanks very much Derek, you have and continue to be a trusted mentor and advisor to me through all the challenges I have experienced and the achievements I have attained since first meeting you many years ago. Your guidance is invaluable … More to me and it goes beyond career and business.
  • Avatar Milton Reddy ★★★★★ 8 months ago
    Derek is unselfish in sharing his knowledge and breaking down terminologies into layman's terms. A rare individual who seeks no monetary compensation for his consultation and time.
  • Avatar Renier van der Westhuizen ★★★★★ 8 months ago
    Derek has provided me with invaluable insights into what to focus on when starting a new company, gleaned from his experience and vast knowledge base. To top it off, he did it all free of charge.
  • Avatar Edgar Ngoni ★★★★★ 10 months ago
    There’s very little more to say about this gentleman.
    Very Professional, very motivating, knows his subject matter, and gets things done. Some things you have to see for yourself.
    May need more than that five. Thanks Derek.
  • Avatar Laola Xu ★★★★★ 10 months ago
    Derek is truly generous in giving out such valuable insights, the session was very informative. It is a privilege to be able to draw on such a wealth of experiences! Many thanks Derek!
  • Avatar Gloria Mugavazi ★★★★★ 11 months ago
    Had a very insightful session with Derek, he willingly shares his insights and delves deeper than the "common" knowledge. Great value! even more so as the session is free . . .
  • Avatar Llewellyn Smith ★★★★★ 11 months ago
    Derek is a wealth of knowledge. I found our conversation most valuable. Thank you Derek!
  • Avatar Constance Lebepe ★★★★★ 11 months ago
    Thank you for accepting my meeting request. I learned a lot about using Trusts and Estate planning . Really appreciate how you took time to understand my needs. I look forward to reading your book .
  • Avatar Roy Harley ★★★★★ a year ago
    I reached out to Derek on a Sunday, and he responded almost immediately.
  • Avatar Denis Marchenko ★★★★★ a year ago
    Great service at reasonable price!
  • Avatar Tawa Mandy ★★★★★ a year ago
    Dereck is the best. Responds in time and assists in the best possible way. Not to mention FREE meetings.😊😊😊
  • Avatar sharon sello ★★★★★ a year ago
    Thank you for the meeting Derek, you shared some insights and were a great help. Looking forward to more learning with you.
  • Avatar Adriaan Du Plessis ★★★★★ a year ago
    When speaking to Derek, it is like he can read your mind and always knows what the best options are and always knows exactly what we need to even if we describe our needs as the major complex situation when actually after speaking to Derek, … More it is so simple. He offers something far more valuable and that is his time. Thank you for meeting with us.
  • Avatar Judy de Sa Pohl ★★★★★ a year ago
    I have had many dealings with Derek Harbour over the years, he is a highly skilled and knowledgeable accountant and gave me some insightful and valuable information with regards to Trusts. Highly recommended!
  • Avatar Tamsyn Meyer ★★★★★ a year ago
    Derick is an incredible and extremely knowledgeable person. He is so generous with his time and I cant imagine dealing with someone else on many matters. Service is responsive and professional.
  • Avatar Emmanuel Selwadi ★★★★★ a year ago
    The service was excellent, special thanks to Tumi who was courteous and went an extra mile. 5 star experience*****
  • Avatar Bruce Ratau ★★★★★ a year ago
    Had a very informative and interesting meeting with Derek. He is wealth of knowledge regarding Trusts. Really enjoyed the session.
  • Avatar Rowenta Naidoo ★★★★★ a year ago
    thank you so much to Derek. You were so friendly and helpful. And assisted me . i would recommend many people to please use Derek and his company Harbour and Associates, Excellent service and i am very greatful and thankful that angels … More do exist, thanks Derek

Latest Blogs from our CEO, Derek Springett

There are numerous articles on what can go wrong with a trust but, because they are mostly written by copy and paste “experts” they tend to be over theoretical and mostly miss the most obvious mistakes. In fact, I have not read one article that deals with the fundamental errors that are so common...

CIPC have a website called BizPortal which is intended for people who wish to register their own company. It is not intended for the likes of us who register companies for other people.

They’ve tried to make it simple and we know of a few people who have navigated their way through the process, b...

Everywhere you look, even on SARS’ website, you will see that you can make a third (voluntary) provisional tax payment by 30 September for February year end entities and six months after the tax year end for other entities.

Why would you want to do this? The tax for the previous year ending Febru...

Whenever we form or amend a trust for a client, we write a Will for the client and their spouse at no charge. This is essential because the trust and the Wills are closely linked and refer to each other.

I am usually appointed as the executor and should, therefore, be holding the originally signe...

With the change in company tax rate from 28% to 27%, the question again arises whether to pay yourself in salary or in dividends.

Salary is straightforward, but you need to bear in mind the additional cost of monthly payroll services. This totals about R14 000 per year, or R10 500 net of tax.


Let’s deal with the easy one first.

A trust bank account is an ordinary bank account that the trustees of a trust must, in accordance with the Trust Property Control Act, open if they receive money on behalf of the trust. The first (and often only) money they receive will usually be the R100 dona...

I get numerous WhatApps like these –

  • Hi can you assist to register a constraction canpony or where is the best place to go?
  • Evening i should like to register my company how do I do to go through?
  • Hello hoeveel om te registration
  • Hi my name is Tebogo john M I need ck what r Way’s to follow
  • How do...

Trusts are taxed at 45% and their CGT rate is 36%. That’s why I so often hear that “SARS is targeting trusts”. So, how is it that trusts are one of the main instruments for saving tax?

Firstly, no properly structured trust should ever earn income tax or capital gains, so the above two taxes are t...

I had an interesting meeting with a guy who’s failed three Board papers on the trot. They were –

  • Ethics
  • Wills and Estates
  • Bookkeeping

He’d passed Court Procedures because that’s what he does for a living.

I started out by saying a few basic things –

  • An exam is not an opportunity to show the ex...

We had already made the decision to relocate to Knysna. We based it on the beautiful coastal scenery and the forests.

Then, before we moved, we started taking an interest in air quality. There’s an American standard that measures AQI, the Air Quality Index, on a scale from 0 to 500. Things start ...

Address: 1st floor, Gallagher School Building, 537 Lupton Drive, Midrand, Gauteng