Almond Valley Wealth Management

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.

02/20/2026

Have you ever wondered how a upbringing in the heart of Silicon Valley—raised by both a small business owner and an educator—shapes a person’s approach to wealth?

For Robert A. Jenkins III, AIF®, those early lessons were the foundation for everything he does today. We are thrilled to share Robert’s new professional headshot, capturing the focus and dedication he brings to his clients every single day.

As a Financial Advisor, Robert doesn’t just manage numbers; he builds custom frameworks for resource allocation designed to help business owners and professionals win back their most valuable asset: time. Whether it’s through comprehensive holistic planning or his deep commitment to financial education, Robert’s goal is to empower families to navigate today’s complex financial landscape with total confidence.

He understands the grit it takes to run a business and the clarity needed to protect a legacy.

Is your current financial strategy giving you the freedom to focus on what you love? Robert is ready to help you design a plan that works as hard as you do.

https://www.almondvalleywealth.com/About-us.1.htm

01/24/2026

Happy Birthday to a man who truly knows the value of investment—both in finances and in people!

Today we’re celebrating Frank Juliano, ChFC® AIF®. If you know Frank, you know he’s much more than a financial professional; he’s a community champion, a devoted family man, and the guy who always has a plan of action to help others succeed.

Whether he’s building purposeful solutions for local businesses or cheering from the sidelines, Frank brings 100% heart to everything he does.

Fun Facts About the Birthday Boy:

-- Long-Term Gains: Frank and his wife, Debbie, have been married since 1978! That’s 45+ years of a truly successful partnership.

-- Super Fan Status: He’s not just a casual observer; Frank is a dedicated Sacramento Kings season ticket holder. Go Kings!

-- Industry Veteran: With over 20 years in financial services, he’s seen it all and guided many through it.

-- Community Leader: Frank serves in leadership at his local church and is a staple in regional contractor associations (AGC & CALPASC).

--The "Grand" Life: His favorite titles these days? Dad and Grandpa!

Help us wish Frank a fantastic year ahead!

01/06/2026

New look, same commitment.

We recently spent some time behind the lens to capture the faces of the Almond Valley Wealth Management team. While we love a good photo op, these images represent something much deeper: the partners you trust to navigate "all of life’s turns." We’re growing, evolving, and more committed than ever to helping you reach your goals.

For over 30 years, our mission has been to simplify the complexities of wealth management for those who build our world—from local business owners to the hardworking families of our community. Whether we’re discussing business succession at a Rotary meeting or helping a family plan for retirement, our "education-first" approach remains at the heart of everything we do.
We believe that clear communication leads to confident decisions. We’re excited to share these new photos with the community we are so proud to serve.

Stay tuned: We took new individual headshots as well. We’ll be introducing (or re-introducing) our team members one by one over the next several days. Follow along to meet the professionals behind your financial plan.