Almond Valley Wealth Management

08/12/2026

With household expenses projected to rise by an average of $1,100 annually, the balance between protecting domestic industry and keeping consumer prices stable has never been more delicate.

This alert explains newly implemented and upcoming tariffs and their potential economic impact.

07/14/2026

As inflation outpaces wage growth and the Federal Reserve weighs its next move on interest rates, how will these rising fuel costs impact your household budget and long-term financial plans?

https://www.broadridgeadvisor.com/kt/HtmlNL.aspx?pvw=D3DDE89E2033C4C3C6DA867B2EA22630341F57E884DC2AECB7A0D69E7B5AB89C1519DB0900F5AD0265BB1DB63E8A2B2FC843E210D054538D962AD56DC6B41B1238D6E81EF4B0302DECA6C609E4AE6E3D27C784CE0C35AFC9F4D5E0CC7F96B767DB706F210DCE93A847E8F7B3FA9712D8A10988F2ECC3D284484AB36BC4897C60321E84E66C25EC66016976EB3BBFC525&platform=li

The Iran war has driven U.S. gas prices to levels not seen since the Russian invasion of Ukraine in 2022.

07/09/2026

Midyear is here, which means we are officially halfway through 2026. While tax season might feel like a distant memory, taking a moment right now to review your financial records, paycheck withholdings, retirement contributions, and recent life changes gives you a crucial window to address potential issues or optimize planning opportunities before the year ends. A proactive checkup now can prevent surprising year-end distributions from pushing you into a higher bracket and make next spring's filing significantly less stressful.

A midyear tax checkup allows you to identify and address any tax issues or execute any planning opportunities.

05/06/2026

The Supreme Court recently weighed in on the ongoing trade complexities, yet many existing tariffs remain firmly in place. This update highlights the intricate balance between legal rulings and the economic realities of global trade policy. Navigating these shifting regulations is essential for understanding the current market landscape and how sustained trade barriers continue to impact supply chains and costs.

https://www.almondvalleywealth.com/HOT-TOPIC-Trade-Update-The-Supreme-Court-Stepped-In,-but-Many-Tariffs-Stand.c10521.htm

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This article explains the types of tariffs that are still in play and their potential impact on U.S. consumers and businesses.

05/01/2026

Today marks 13 years of Treva Vandenberg’s incredible dedication to the financial services industry. As the Account Manager for Angelo M. Giannosa, CLU®, ChFC®, CLF®, AIF® and Frank Juliano, ChFC® AIF® Treva is the "master of detail" who keeps everything running seamlessly behind the scenes.

Since joining the industry in 2013, Treva has transitioned her expertise from a high-tech career into a true heart for service. Whether she is navigating complex administrative tasks or advocating for a client’s specific needs, she consistently goes "above the call of duty" to ensure everyone feels heard and supported. Her precision, collaborative spirit, and sharp attention to detail have made her a cornerstone of our operations.

Please join us in celebrating Treva for 13 years of excellence!

04/30/2026

Getting Your Financial House in Order: Managing Credit and Debt

04/14/2026

The IRS has released its "Dirty Dozen" list of tax scams for 2026, and this year, scammers are getting more sophisticated with the use of AI-enabled phone calls and social media misinformation. Being aware is your best defense. Here are the top red flags to watch out for:

-- AI Impersonation: Scammers are using computer-generated voices and "spoofed" caller IDs to make it look like the IRS is calling you.

-- "Ghost" Preparers: Avoid anyone who refuses to sign your return or provide a Preparer Tax Identification Number (PTIN).

-- Phishing & Text Scams: The IRS will not contact you via text, email, or social media to request personal information or "verify" your account.

-- Social Media "Advice": Be wary of viral tax "hacks" that encourage you to claim credits you don't qualify for—this is fraud, and you’ll be held responsible.

-- Pro-Tip: The IRS almost always contacts taxpayers by mail first. They will never threaten you with immediate arrest or demand payment over the phone using gift cards or wire transfers.

If you receive a suspicious communication or want to ensure your tax strategy is both safe and optimized, our team is ready to guide you. Secure your legacy and your data. Call Almond Valley Wealth Management today to consult with our team of professional financial advisors.

Our latest Client Alert takes a look at the annual list of tax scams released by the IRS.

04/13/2026

The federal income tax filing deadline is fast approaching on Wednesday, April 15, 2026. Whether you are expecting a refund or planning your contributions, staying ahead of these changes is essential for your financial health.

Key Highlights for This Season:

--Paper Checks are Phasing Out: Following a 2025 Executive Order, the U.S. Treasury has shifted toward electronic disbursements. To receive your refund securely and quickly, ensure you have a bank account or digital wallet ready for direct deposit.

---Extension Deadlines: If you can’t file by April 15, Form 4868 can push your filing date to October 15, 2026. However, remember: an extension to file is not an extension to pay.

--IRA Contributions: You still have until the April deadline to make 2025 contributions to your IRA, which could potentially lower your tax liability.

--Disaster Relief: Taxpayers in certain disaster areas may be eligible for postponed deadlines. Always check the latest IRS guidance for your locality.

Don’t navigate these complex changes alone. Whether you're looking to optimize your tax strategy or ensure your retirement contributions are on track, our team is here to help.

Contact Almond Valley Wealth Management to speak with our team of financial advisors.

https://www.broadridgeadvisor.com/kt/HtmlNL.aspx?pvw=891475CC60B7A03F96A7259BCEA1886B844D98D6FD849E614D807D23A6AD4F00B9523BC5872D6BAB839277EB2272AC98F17F9CEC3A673654796DE36C5263E566EE4121301CE1BD34A56E83BACBAE2C84E24F9DBED93156AAC31812FF1FBF223B8256849E2ABD8CAE7F2748264C2445419B712E9EA390099E2E9F76E3A0381853AE794C2ACFB8CC6010851601404154AE&platform=li

The federal income tax filing deadline for most individuals is Wednesday, April 15, 2026.

03/19/2026

The U.S. dollar is experiencing its most significant shift in decades, and it’s hitting more than just your travel budget.

In the first half of 2025, the U.S. Dollar Index saw a historic 11% dive—the sharpest decline since the 1973 oil crisis. While a weaker dollar can make U.S. exports more competitive and boost international stock returns, it also drives up the cost of imported goods and can fuel domestic inflation.

Whether you are a consumer feeling the pinch of higher prices or an investor seeing international markets outperform domestic ones, currency fluctuations play a massive role in your "real" rate of return. From interest rate cuts to shifting global trade policies, the landscape is changing fast.

Is your portfolio and financial plan positioned to handle a weaker dollar?

Don't let market volatility dictate your financial future. At Almond Valley Wealth Management, we help you navigate global economic shifts with personalized strategies designed to protect and grow your wealth.

A less valuable currency makes imported goods more expensive and exported goods cheaper.

02/24/2026

Happy Half-Birthday to our founder, Angelo M. Giannosa, CLU®, ChFC®, CLF®, AIF®!

While most people wait for the full trip around the sun to reflect, Angelo knows that in business and finance, momentum is built in the mid-year pivots.

With over 30 years of experience and a "lifelong student" mentality, Angelo spends his days solving the complex puzzles that keep business owners up at night. Whether he’s diving into a spreadsheet to find a hidden opportunity or crafting a roadmap for a client’s legacy, his goal is always the same: turning grit into growth.

The Half-Birthday Challenge
Don't wait for January 1st to check under the hood of your financial plan. Use Angelo’s half-birthday as a reminder to make these three moves today:

--The Year-To-Date Audit: Review your year-to-date spending versus your goals. Are you still on track for that year-end target?
--Legacy Look-Ahead: Check your beneficiaries and estate documents. Life moves fast—make sure your security matches your current reality.
--Treat Yourself: add a little extra money to your investments or high-yield savings on your half birthdays. Your future self will be grateful.

Happy Half-Birthday, Angelo! Here’s to a strong first couple of months of the year.