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What the latest Google reviews have to say about us

Harbour And Associates

4.9Out 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

WHATSAPP

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

2-book-business
16 Steps to Business
So, you plan to start a new business and are probably trying to figure out where to start and how this is all going to happen. 16 Steps to Business approaches business generically. Application to your specific set of circumstances may require individual consideration but will walk you through each step along the road to success.
2-book-marketing
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.

tax-wisdom-500x536
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.

2-book-wealth
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.

2-book-layout-freedom
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

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

Read More...

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

Read More...

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

Read More...

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

Read More...

How do I register my trust for tax?

Eish! SARS make life so difficult. They have a lovely website on www.sars.gov.org Go there, log in, select Trust Registration. Then get down to business. They want to know: First name Surname Place of birth Country of Residence ID No. Tax no. Cell No. Email Address Physical Address for every

Read More...

Should I register a company?

My simple answer is NO!! Why? Because if you need to ask that question, you are not ready for the obligations that come with companies. Here are some of them with approximate costs. Cost of company R600 Beneficial Ownership Return within 10 days of registration R2 000 Bookkeeping from R7

Read More...

What are the tax obligations of a dormant company?

We are inundated with calls from people who have received threatening emails from SARS’s attorneys trying to bully their dormant companies into paying the Administrative Penalties of R200 per month per return outstanding that SARS has been hitting them with. These penalties easily run into 10s of thousands of Rands.

Read More...

Do you want to leave your cart?

Your cart is awaiting your next purchase, so please proceed to the Home page and continue shopping. If you are leaving your cart because of problems, why not give us a call on our 24 hr numbers 063 866 8928 or 011 805 0030 (subject to load shedding)? If all else fails, call Derek, our CEO on 082 552 9696. We’ll do what we can to help