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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 211 Google reviews
Trust Mlilo
15 hours 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 weeks 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
3 weeks ago
Really helpful, and very professional
scrambleword
3 weeks 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
a month 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
a month ago
Derek's insight into our complicated tax structure has been invaluable. We will certainly be implementing his advice. Thank you!
Harshad Parbhoo
a month ago
Derek was awesome. Shared his knowledge selflessly and was really helpful. And did not charge a cent. Thanks Derek.
Rahnieya Ismail
a month ago
I’m truly grateful for Derek’s incredible support and expertise. He goes far beyond just being a tax practitioner—he’s patient, attentive, and genuinely cares about the people he helps. Derek makes a process that often feels overwhelming so much easier, with clarity and kindness at every step. Thank you, Derek, for not just doing the work, but for doing it with heart. Guys, Derek is your man when it comes to all this tax stuff.
regan marcus
2 months ago
Wow! What an amazing experience? Derek is on top of his game. Man with a wealth of knowledge and insights with the ability to break the toughest topics into bite sizes. This was the first engagement of many to come. Thanks a mill, Derek!
Nabeel Prior
2 months ago
We found Derek’s advice invaluable. Starting with the purchase of his book 'Sixteen Steps to Wealth', we were struck by his practical and direct way of explaining the complexities of Trusts. Following a thorough read of his book, we had 2 consultations with him, at no charge! Through these sessions Derek provided us with the guidance and answers we needed. Derek has years of experience and was able to guide us in a way that would suit our business best. We found Derek’s approach refreshing and absolutely appreciated the way he took the time to explain everything. Both the book and the consultations are highly recommended for anyone contemplating the formation of a Trust.
Katleho Lucky Mosala
2 months ago
Farzana Prior
2 months ago
Derek has explained the implications of our scenario and is assisting us with the way forward…
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
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
What is the cheapest way to register a South African company
Most service providers charge about R2 000 to register a new company including registering the name of your choice. Some of them will provide the share certificate(s) and securities register included in their fee. But, if you are looking for the lowest cost option, you can do the job yourself
SARS’ new biometrics
SARS has a new toy. Now, if you want to register a company for VAT or PAYE, you have to undergo a biometric examination. This means that you have to have a videocam on your computer. It then requres you to allow it to photograph your face. It first tells
Do I suffer a capital loss if my shares get diluted?
Let’s say that you own 50 shares and they represent 50% of a company’s share capital. They cost you R1 000. The net Asset Value of the company has grown to R200 000, so your 50% is worth R100 000. Then the directors issue another 100 shares and sell them
SARS enforces VAT registration
SARS has, in accordance with s23(4)(b) of the VAT Act, always had the right to enforce VAT registration when a company exceeds R1m VATable turnover. We have never known this to be enforced. Until now! There’s a department within SARS called Tax Base Broadening, Education and Outreach that we’ve never
If I donate to a foreign person or company, is that subject to Donations Tax?
s54 of the Income Tax Act imposes Donations Tax on the South African donor irrespective of to whom the donation is made. So yes, once you have used up your R100 000 annual allowance, such a donation would be subject to the 20% tax.