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What the latest Google reviews have to say about us
Harbour And Associates
Out of 5 stars
Overall rating out of 185 Google reviews
Sivenash Naidoo
4 days ago
Derek is very knowledgable, efficient and has a friendly but assertive approach to ensuring you leave the conversation a lot more informed and confident about the different trust and estate planning options. All this without the expectation of payment of upfront fees!
Mandy Singleton
5 days ago
Expertise done right..
Achievers Office
2 weeks ago
Amazing service and friendly advise
Tsungayi Chimuti
4 weeks ago
Great service from Mini, Tumi and Derek. Highly recommended.
Joe Rosen
a month ago
Our meeting was short, precise and to the point. I believe Derek advised in our best interests. Follow-up detail was immediate. Thanks Derek Derek has continued to provide us valuable advice, even where he looses fees in the process. Professionalism and honesty are a rare find today.
Sherry Suffla
a month ago
simangele mabena
2 months ago
I receive the best experience, they are so helpful and always there to assist with each and every questions. Keep up the good work
Mthetheleli Ndimande
2 months ago
Great people to do business with.
Sheldon Paro
3 months ago
Thank you Derek for taking the time to meet with me. "Nothing in life is free", but in my opinion, Derek's only compensation from his free consultation is the genuine joy he gets from helping others. He takes the time to understand who you are as an individual, and what you want from your future. Good and practical advice. Highly recommended. Thank you Derek!
David Friedman
4 months ago
Always get world class service from Harbour & Associates
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
Office hours: 063 866 8928
If nobody is available to answer your call, please send a Whatsapp to Helen on 083 385 0791
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
Must an AirBnB register for VAT?
I am deeply endebted to Theo Burrows of the Tax Faculty Team for finally settling this issue. He has confirmed the tentative view that I expressed in this article. That is, that if the business of letting Air BnB accommodation does more than R1m turnover, then it must register as
Excel new TEXTJOIN() and TEXTSPLIT() functions
Did you spot the new Excel functions? I’m already using them extensively. This is not an instruction article. You should rather watch a UTube video. I just want to be sure that you are aware of them, because I only found out from my daughter who is an Excel specialist.
What must I look for in a Contract?
This is a follow on to my article of two weeks ago “How do I buy property cheaply? The seller’s attorney had originally drafted the Sale Agreement and I was engaged by my client to modify it to ensure compliance with SARS’ requirements for zero rating of the sale of
Who is the best trust advisor?
It all depends on the kind of advice you want. If you are looking for things to be scared of, then you need to Google something like “What must trustees be careful of?” You will probably find various advisors who point out all the responsibilities of trustees. If you are
How do I buy property cheaply?
A client wanted to buy a farm for R2,7m. She told me that it was a good price because the seller had dropped the asking price from R3,2m. As it was to be a business bought as a going concern, the deal would be zero rated for VAT provided it
How do I zero rate a going concern when I don’t have a VAT registered company?
Almost every day, I get a phone call from someone who wants to buy a VAT registered shelf company. It’s usually because they want to buy a going concern business (most commonly a commercial property) at zero rate from a VAT registered company. As I explained in my February article
Is a company a person in tax law?
I was re-reading s42 of the Income Tax Act. That’s the one that relates to Asset for Share swaps and noticed that it only refers to a person initially owning the asset. In this instance, however, I was checking to be sure that a new s42 company could swap its
Do I need more than one trust?
I pity those of you who bought three trusts from a firm of “specialists”, rather than just the one that you needed. You now have three Beneficial Ownership returns to submit to the Master instead of one. You also have to be sure that you opened a bank account for
What happens to a usufruct on the death of the usufructory?
I’ve never been keen on the idea of transfering only the bare dominium of a property to a trust structure. Sure, you may save a bucketload of Transfer Duty and CGT but, if you do the numbers, taking into account the time value of money, the total tax paid up
