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What the latest Google reviews have to say about us
David Todd
2 weeks ago
Derek's book is informative & covers all of what one needs to know about setting-up a Trust.
David Friedman
Edited 3 weeks ago
Always get world class service from Harbour & Associates
Samukelo Khomo
3 weeks ago
Derek at Harbour And Associates provides outstanding business management and advisory services. From the first interaction, I felt supported and well-advised. He is professional, knowledgeable, and genuinely invested in his clients’ success. He made what could have been a complex process simple and stress-free, with excellent communication and efficient turnaround times. It’s rare to find someone who consistently deliver on his promises while offering such a personal and trustworthy service. Highly recommended for any business looking for reliable, results-driven guidance.
Thobela Bixa
4 weeks ago
I haven't yet met Derek for a session but we have had numerous email exchanges. He's quick to respond and has all the care in his responses. He gave materials from his book to go through before our session and the information was amazing. He came highly recommended and I cannot wait for our session in a few days time!
Ashish Ramkisson
a month ago
Brilliant fast service. No fuss and friencdly character.
Trust Mlilo
a month ago
I started a business without a clue about compliance with the regulatory framework and marketing, but Derek, the CEO, mentored me and created the businessman I am today. I have established a huge clientele base without the expensive and complicated marketing tools. My best marketing tools are referrals, and I enjoy doing business under his guidance. Harbour and Associates can turn your frustrations into a business that will turn around your perceptions about doing business.
Kathryn Main
Edited 2 months ago
What excellent service! I have used Harbour & Ass for a few years for various CIPC tasks and recently had to register a new entity, and the efficiency and quick turnaround time were impressive. Thanks, team. I just registered another entity a NPC and they did it in a day. Wow im impressed with this excellent ongoing service.
Terence Teraine
2 months ago
Really helpful, and very professional
scrambleword
2 months ago
Derek is a cut above the rest when it comes to business advisory. I like his personal touch, he takes his time to explain difficult concepts with you and his service is highly personalized.
Safari Index
3 months ago
Thanks for the help Derek. Amazing knowledge and I reaslly enjoyed your 16 step books - wealth and tax - need to read the rest.
Nicky Taylor
3 months ago
Derek's insight into our complicated tax structure has been invaluable. We will certainly be implementing his advice. Thank you!
Harshad Parbhoo
3 months ago
Derek was awesome. Shared his knowledge selflessly and was really helpful. And did not charge a cent. Thanks Derek.
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
Is SARS going after trusts?
Oddly enough, SARS has not yet latched onto one way in which they can legitimately, and in my view should, attack trusts. But let’s first answer the question. The answer? Categorically, No. I have seen no evidence whatsoever that SARS is, or has any intention of, targeting trusts. So, where
CIPC’s Welcome to 2026!
Did anybody at CIPC ever think to read the amendments to the Companies Act? I’m referring to the Beneficial Ownership requirements. The Act requires that a new Beneficial Ownership Return only be submitted whenever there’s a change. Not only do CIPC insist that there’s a new return every year prior
How can anyone charge only R610 to register a new company?
It doesn’t make sense, because off of that R610 comes R80 VAT, then the CIPC fees of R250, then the additional R60 CIPC fee to download all the registration documents for the client. That leaves us with R300. Then we give away a book “16 Steps to Business” worth R460
Must the executor of a deceased estate charge VAT on his/her fees?
I owe this thought provoker to my old friend Marc Quatember, a Director of Maximus Wealth Managment. He had drawn up an Estate plan and included Executors’ fees of 4.025% which I queried. He responded that it was 3,5% + VAT. So, that raised the question “When should an Executor
What is the authorised share capital of a CC when converted to a (Pty) Ltd company?
This one arose when we had a trust that owned fixed property. We wanted to convert an existing CC to a company, then use s42 to slot it between the trust and the property. The problem was that a CC does not have authorised capital, so the members are in
How can I reduce the taxes on sale of a residential property company to my trust?
The Transfer Duties Act defines “Property” as including the shares of a residential property company so, the sale of those shares attracts Transfer Duty. It also often attracts CGT. Let’s take an example. You own a company that bought a residential property for rental. The net Asset Value of the
Can I claim Input VAT on the purchase of a property that is zoned Residential?
This client was planning to buy a block of flats and rent them out as Air BnB. The seller was not VAT registered. The rule as I have always interpreted it, is that if the purchaser is VAT registered and the seller is not, then if it is a commercial
Does a deceased estate have to charge a trust interest under s7C?
This interesting question came up during one of my recent meetings. The point was that a deceased estate usually takes over two years to wind up and it is during that time that interest may or may not be compulsory on a loan made by the deceased to his/her trust
Can I get a refund of Administrative Penalties that I have paid to SARS?
Yes you can. SARS often imposes Administrative Penalties of R250 per month on companies for every annual tax return that is overdue. Individuals normally get hit with R2 000 per month per return. These penalties can quickly grow to 10s of 1000s of Rands. So, you get scared and pay