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Company Secretarial
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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

Leave Your Review on Google

Harbour And Associates IconHarbour And Associates

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

4.9 73 reviews

  • Avatar Milton Reddy ★★★★★ in the last week
    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 ★★★★★ a week 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 ★★★★★ 2 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 ★★★★★ 2 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 ★★★★★ 3 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 ★★★★★ 7 months ago
    Derek is a wealth of knowledge. I found our conversation most valuable. Thank you Derek!
  • Avatar Constance Lebepe ★★★★★ 8 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 ★★★★★ 9 months ago
    I reached out to Derek on a Sunday, and he responded almost immediately.
  • Avatar Denis Marchenko ★★★★★ 9 months ago
    Great service at reasonable price!
  • Avatar Tawa Mandy ★★★★★ 10 months ago
    Dereck is the best. Responds in time and assists in the best possible way. Not to mention FREE meetings.😊😊😊
  • Avatar sharon sello ★★★★★ 10 months 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 ★★★★★ 10 months 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 ★★★★★ 11 months 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 ★★★★★ 11 months 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

No-one in the company has more interest in making it succeed than you, so it’s your energy that makes things happen.

Energy is not about huffing and puffing, scrambling around putting out fires, yelling on the phone at delinquent suppliers. No. Energy is so much more subtle, and so much more powe...

Call me stupid, but I think that Debt to GDP is a meaningless measure of our ability to repay borrowings.

Why? Because it’s quite possible for a country to have a massive GDP and be unable to pay foreign debts and equally, a country could have a relatively small GDP and be able to comfortably rep...

I’ve talked about the the main two types of marketing strategy –

  • The billboard approach. Put yourself out there and hope to be remembered when somebody wants your offering
  • The search approach. Be where people will look when they want what you’ve got.

Both are valid methods and the choice should...

I remember being taught in school that older people are likely to suffer from high frequency deafness. Lord knows why they taught us that or why it stuck in my sieve-like brain.

But stick it did, so when it happened to me, I knew what it was. Off to the audiologist and yup! you’ve got it mate. So...

I have never professed to understand investment instruments. You know, those mysterious things that Financial Service Providers talk about so glibly? So I was delighted to hold a Google meeting with a real professional. His name is Halvar Mathiesen and he’s one hell of a clever guy. Here’s his we...

I did it! I am terrified of heights. We stopped by at the bridge and I knew I had to do it.

This was a battle of the brains. Front brain battling left brain, right brain and old brain.

I am fascinated by my brain, and I have gone a long way to making it my best friend, but this was an incredible ...

We often get enquiries from non-residents who wish to form a company in South Africa. Much of it is pretty straightforward, but there are a few special considerations.

  • Anybody, or any company, anywhere, may be a shareholder, or even the only shareholder, of a South African company.
  • Anybody, anyw...

Sure, Covid has been a terrible pandemic. Devastating families and businesses. Smashing up an already smashed up economy. Changing the smiling faces and hugs that we South Africans are so used to into “Stay away from me”. Changing the property rental business probably forever. All very sad. But h...

I read with interest a recent Constitutional Court ruling that adopted children are descendants. As such they are beneficiaries of a trust in which the beneficiaries are defined to include descendants.

The report referred to the Children’s Act 2006 which, evidently, defines adopted children as de...

You know, for a Pr(Eng); CA(SA); I can sound pretty dumb at times. Like when a client recently asked me if I was familiar with Velocity Banking. Nope, never heard of it!

So he then went to some lengths to explain this miraculous method of paying off your mortgage bond in no time flat.

Um, surely ...

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