Your Partners in Financial Growth.
We are a dedicated team of financial professionals committed to simplifying the complex worlds of tax and accounting. By prioritising absolute accuracy, strategic planning, and unwavering reliability, we ensure your business remains perfectly compliant while actively protecting your hard-earned wealth.
Timely Reporting & Analysis
Core Values
Mission & Vision
Timely Reporting & Analysis
Explore potential opprtunities for growth
Stop managing your business looking through the rearview mirror. We deliver accurate monthly financial statements and performance analysis, giving you the real-time clarity you need to optimize cash flow, control costs, and make confident, proactive business decisions.
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No More Year-End Surprises: Monthly reconciliations mean your books are always current, keeping your tax planning proactive rather than reactive.
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Actionable Insights: We break down complex financial data into simple, visual metrics that highlight your true profitability and cash flow drivers.
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Faster Decision Making: Whether you are hiring, investing in equipment, or scaling up, back your choices with accurate, up-to-the-minute numbers.
Core Values
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Integrity & Trust: We believe financial partnerships are built on absolute transparency and honesty. We handle your data and compliance with the highest ethical standards, ensuring you always have a partner you can rely on completely.
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Precision & Excellence: In accounting, details matter. We hold ourselves to a standard of strict accuracy and thoroughness in everything we do—from simple monthly bookkeeping to complex corporate tax restructuring.
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Proactive Growth: We don’t just look backward at past numbers; we look forward. Our team actively looks for tax optimization strategies, cost-saving insights, and financial efficiencies to help your business scale.
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Simplicity & Clarity: Financial jargon can be overwhelming. We pride ourselves on breaking down complex regulations and financial structures into clear, actionable insights that make sense to you.
Mission & Vision
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Our Mission: To simplify financial management and compliance for businesses and individuals through precise accounting, proactive tax strategies, and reliable technology. We commit to lifting the administrative burden off our clients’ shoulders, providing the real-time clarity they need to make confident, informed financial decisions every day.
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Our Vision: To be the most trusted and forward-thinking financial partner for evolving businesses, recognised for transforming complex accounting into a seamless catalyst for client growth, stability, and long-term legacy preservation.
The Team
Marc Serfontein – Professional Accountant (SA)
​I initially studied for a BCom in Marketing at the University of Pretoria, graduating in 1993. After completing my degree, I decided to change career direction and pursue accounting. In 1995, I joined B Kalmin & Associates as an articled clerk while studying Accounting part-time through UNISA, the University of Johannesburg, and the University of Pretoria, due to class scheduling constraints. After completing my studies and the required three-year articles in 1997, I became a junior partner in the newly formed partnership, Kalmin, Serfontein & Associates. In 2026, I dissolved the partnership and continued practising as a sole practitioner under the trading name 3NiNE tax.
My financial advisor, Liron Mazor, introduced me to Ruti Brett, a Money Mindset Coach, in 2025.[Ruti Brett | LinkedIn]. As an accountant, a perfectionist, and a saver, I assumed that Money Coaching would simply be an “interesting experience.” I had no idea that I would discover how deeply my childhood experiences had shaped financial habits and behaviours I had never consciously recognised. Understanding the why behind my money decisions was transformative. It gave me valuable insight into my relationship with money and inspired me to enrol at the Money Coaching Institute in California. I successfully completed the programme and received my certification in June 2026.
Sadiyya Ebrahim – Accountant
​Sadiyya joined us from another accounting firm in May 2014. Sadiyya studied B. Com Information Management at the University of Johannesburg. During the COVID-19 lock-down period she made productive use of her time and applied for and was accredited as a registered Chartered Business Accountant in Commerce by the Chartered Institute of Business Accountants (CIBA).
Grant Thornicroft – Accountant
​Grant joined our firm as an independent consultant in March 2021 to assist with a specific project. He has many years of experience and is our Pastel and Sage One expert. He studied auditing and used to work for a client of ours. Grant works flexi-time but is usually in the office Monday to Thursday.
Penny Jackson- Personal Assistant
​Penny has been with the firm since 2006 and works from home and is in the office on Friday mornings only. She can be contacted per e-mail.