Alma's Accounting & Tax Services

10/31/2026

Happy Halloween from your AATS family! 🧡🎃🫶🏼

10/29/2026

AATS family,

We want to do our best to set you up for success so, here's the deal 👇

You still have 2 months to lower your 2026 taxes. After December 31, most options disappear.

Book a year-end analysis with us. We'll fill out a simple worksheet and tell you exactly what to do before the year ends.

Your analysis includes:

✅ A side-by-side look at your 2025 return vs. your projected 2026 return
✅ A review of your withholding and estimated tax payments, with adjustments if needed
✅ Retirement contribution planning
✅ Deduction review: standard vs. itemized, including charitable giving and mortgage interest
✅ Business expense and equipment planning for self-employed clients
✅ A clear action list

Please bring your most recent paycheck stub(s) to your appointment.

Spots will fill quickly so schedule now!

Respond to this email to schedule or give us a quick call at
(951) 356 - 5255

10/09/2026

Extension Deadline: October 15th, 2026

This is a friendly last call: the extended tax filing deadline is Thursday, October 15th.

If you filed an extension and haven't submitted your 2025 tax return yet, now is the time.

Please give us a call or simply respond to this email to schedule your appointment so we have time to prepare and file everything accurately and on time.

(951)356- 5255

Thank you for trusting us with your taxes!

Sincerely,

Your Team at Alma's Accounting

09/21/2026

Last reminder for our AATS Family!

If you still need to file your taxes don't forget to schedule your appointment ASAP!

Click here for an update from Alma's Accounting and Tax Services!

09/11/2026

Hi AATS Family!

WOW! This year has flown by....

If you filed an extension or still need to file your taxes, now is the time to schedule your appointment!

TAX EXTENSION DEADLINE: October 15th 2026

Click here for an update from Alma's Accounting and Tax Services!

09/09/2026

Go to our website

Click here for an update from Alma's Accounting and Tax Services!

07/31/2026

We are just 6 weeks away from the September 15, 2026 extension deadline for S Corporations and Partnerships.

To allow enough time to prepare your return and address any follow-up items, we strongly recommend scheduling your appointment as soon as possible. Ideally we would like to see you by August 25th 2026. Keep in mind these appointments fill up FAST!

It's imperative to file by the deadline to avoid large penalties for not filing on time.

Next Step: Reply to this email or call our office to schedule your appointment and reserve your spot on our calendar.

Phone: (951) 356-5255

We look forward to helping you get your return filed on time!

-Alma's Accounting

07/29/2026

AATS Family,

IF YOU HAVE A TAX NOTICE - THIS IS FOR YOU

We get it, we all get busy.. but let's finally get it taken care of for you!

Simply reply to this email, and we'll take the first steps.

or

Call (951) 356-5255

-Alma's Accounting

07/28/2026

If your taxes aren't filed yet, lets get you caught up ASAP!

To help you out, we made it as easy as possible.....

Just reply to this email or shoot us a quick call to schedule that appointment.

(951)356-5255
[email protected]

We look forward to hearing from you!

-Alma's Accounting

07/20/2026

The Retirement Showdown:

401(k) vs Annuity Explained

An annuity and a 401(k) are both retirement-focused tools, but they work very differently in how they are structured, taxed, and used for income later.

1. Core Purpose
401(k): An employer-sponsored retirement savings account designed to help you save and invest for retirement.
Annuity: An insurance product designed to convert savings into guaranteed income (immediately or later).

2. Who Provides It
401(k): Offered through an employer and managed by a financial institution (like Fidelity or Vanguard).
Annuity: Sold by insurance companies.

3. How Money Grows
401(k): You choose investments (mutual funds, stocks, bonds), and growth depends on market performance.
Annuity: Depends on type:
Fixed annuity = guaranteed interest rate
Variable annuity = market-linked investment options

4. Tax Treatment
401(k): tax-deferred contributions and growth, taxed when withdrawn
Annuity: Always tax-deferred during the accumulation phase (you pay taxes only when you withdraw earnings).

5. Access & Withdrawal Rules
401(k):
-Early withdrawals (before 59½) usually have penalties
-Required Minimum Distributions (RMDs) apply
Annuity:
-Also has surrender charges if taken out early
-No RMD requirement unless held inside a qualified account

6. Income in Retirement
401(k):
You withdraw money yourself or roll it into an IRA
No built-in guaranteed income unless you set one up
Annuity:
Specifically designed to pay you income (monthly, annually, or for life)

7. Key Difference in Simple Terms
A 401(k) is primarily a savings and investment account for retirement.
An annuity is primarily an income-producing contract for retirement.

Simple way to think about it:
401(k) = “Build the money”
Annuity = “Turn the money into income”

If you are interested in more information, please call our office at (951)356-5255 and schedule an appointment with Denita.

Go to our website

Click here for an update from Alma's Accounting and Tax Services!