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Read Derek's Books

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 ensuring that you leave a legacy for future generations.


16 Steps to Business

So, you plan to start a new business. This book will walk you through each step along the road to success.


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
Never a charge meetings with Derek Saturdays, Sundays and Public Holidays included. Click here for his calendar.

Phone numbers -

Office hours: 063 866 8928
Any time: 087 655 1478

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

4.9 103 reviews

  • Avatar Pierre Steyn ★★★★★ 2 weeks ago
    Derek responded promptly and over a long weekend. If only all service providers in South Africa could practice this. The information addressed all of my concerns, and I will contact them in the future for assistance.
  • Avatar Diego Lord ☆☆☆☆ 3 weeks ago
    Slow service as I paid at the beginning of last week already online. I'm still waiting for papers and no communication from their side. I have to run after them and listen to excuses as to why I haven't received my papers yet. … More I read the reviews and thought I would receive the same treatment but unfortunately not. Needed those papers today, so if you know how a computer works and you have access to a scanner i.e any internet printing shop can help, then just do it yourself for cheaper and you know exactly where along the process you are.
    My reply: I was told by mini on a WhatsApp VN that my name was approved and also I received both an sms and email from CIPC that my application was only logded on the 20 April, so please stop trying to cover up your negligence. Please contact as I have never been contacted by anyone from your company regarding any issues that you have come across.
  • Avatar lusanda nxomeka ★★★★ a month ago
    Great experience...friendly and professional staff. Made it easy for me to register my company.
  • Avatar Cedric Rademeyer ★★★★★ a month ago
    Wow what an amazing service from Harbour and Associates for all the quality work and effort they put in for such an amazing low price.
    A Big shout out to Mini for her unwavering,competent and efficient service,you've helped me a great
    … More deal and i thank you .keep it up.!!
  • Avatar Bernie Strachan ★★★★★ a month ago
    Harbour and Associates thank you for the speedy service, quick answering of the telephone and responding to emails. Thank you for getting my registration done. Will definitely recommend you to everyone? You want service register your company … More through Harbour and Associates they have reasonable pricing.

Latest Blogs from our CEO, Derek Springett

We recently formed a company for someone. He wanted the name Bidvest S…….. (Pty) Ltd. I can’t say what the S…….. was but it described the kind of business that he was in.

The computer at CIPC would not see a conflict because there are so many Bidvests (52 at the last count) that it would interpre...

I was chatting to a client on Zoom and trying to do some quick arithmetic at the same time. I didn’t do too well!

She had R35m which she wanted to lend to an investment company that would be owned by a new trust.

The question was. How much tax would she pay as a result of s7C of the Income Tax Ac...

Last week I talked about a client who is building his company on bad business instead of good business and I briefly mentioned some performance ratios that he needed to achieve in order to get things on the right path.

So, if I know nothing about his particular industry, how can I tell him what h...

We recently completed a year’s accounts for one of our bookkeeping clients.

This time around, I noticed that his turnover had shot up from R1m to R4m. Seemed like things were going well. Until I looked closer.

  • His net profit dropped from R53K to R47K, so he was doing four times the amount of wor...

When you form a trust, you actually become four different people.

  • You as a person whose financial affairs are entirely separate from those of the trust.
  • You as the founder, the person who forms the trust and who has to agree to any changes to the trust deed.
  • You as one of the trustees who will m...

Helen hit a bad pothole and it damaged the wing of her Z4 as well as the aluminium rim.

The insurers arranged the repairs and we took it in to the panel beaters.

I asked them to quote on all other imperfections that they could find so that the exterior of the car would be perfect.

There was a bit...

If you manage your debtors, you are already a long way to a successful business.

Here are a few examples of what people do right and wrong.

  • Right. Don’t do a thing until you’ve been paid. That’s the way our practice operates, so we have zero debtors.
  • Almost right. Insist on a 50% deposit and the...

I was chatting in one of my Zoom meetings to a guy who had just finally settled his divorce.

He said that when they first agreed to get divorced, it was amicable and there was not problem with the settlement. Then along came the lawyers and suddenly they had a fight on their hands. Two years and ...

I’m what is politely called a senior citizen.

Do I remember my dad?

Why, yes, I know his full name and what he looked like. How he talked and a lot of what he said.

Do I remember my granddad?

Well, yes, sort of. His name was granddad and he had white hair. He liked gardening and he tickled his on...

The trite answer is “Yes”. But ask me the question and I would say “Why are you thinking of that?”

Firstly, is there any benefit to being a founder? The founder has no power once a trust has been formed. The only time their existence is relevant is if the trustees wish to change the trust deed. T...