Alma's Accounting & Tax Services

07/13/2026

Grow Now. Get Paid Later. The Power of Annuities Explained

An annuity is a financial product designed to help you accumulate savings and later convert those savings into a steady stream of income. It is commonly used for retirement planning because it can provide both growth potential and income security.

There are two primary types of annuities:

Fixed Annuities
Fixed annuities provide a guaranteed interest rate and predictable growth. They are designed for individuals who prefer stability and want protection from market volatility.

Variable Annuities
Variable annuities allow you to invest in market-based options such as mutual funds. This means your account value has the potential to grow more aggressively, but it can also fluctuate with market performance.

Many annuities are also classified as deferred annuities, which are long-term investments. During the accumulation period, your money grows on a tax-deferred basis. This period can last up to 10 years or even longer, depending on your financial goals and contract terms.

After the accumulation phase comes the annuitization (income) period, sometimes referred to as the payout phase. During this time, your annuity begins providing income payments. These payments can last for a set number of years or even for the rest of your life. In some cases, benefits can also continue to your designated beneficiary.

One of the key advantages of a deferred annuity is the tax-deferred growth. By allowing your investment to remain in the accumulation phase longer, you do not pay taxes on the earnings until you begin withdrawing funds. This can help your investment grow more efficiently over time, especially when used as a long-term strategy.

In summary, annuities can offer:

Long-term growth potential (especially during the accumulation phase)
Tax-deferred earnings
Options for guaranteed or market-linked growth
Lifetime income or beneficiary protection options

If you would like, we can review specific annuity options with you and help determine whether a fixed or variable annuity may align better with your financial goals.

Call (951)356-5255 to schedule an appointment with Denita

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07/06/2026

What Is Life Insurance?

Life insurance is a financial protection tool designed to provide security and peace of mind for your loved ones. When you purchase a life insurance policy, you pay premiums to keep the policy active. If you pass away while the policy is in effect, your beneficiaries receive a death benefit. Death benefits are tax-free lump sum payments that can help maintain financial stability during a difficult time.

Death benefits can be used against financial hardships such as loss of income, funeral expenses, medical or nursing care expenses, debt repayments, and childcare costs after your death.

Depending on your family's needs, life insurance can also help:

Replace lost household income
Pay off a mortgage or other outstanding debts
Fund a child's education
Cover final expenses and estate costs
Provide financial support for a surviving spouse or dependents
Leave a financial legacy for loved ones or charitable organizations

Life insurance is not only about preparing for the unexpected, it's about ensuring your family has the financial resources they need to move forward with confidence. Choosing the right policy depends on your financial goals, family situation, and long-term plans.

At Alma's Accounting & Tax Services, we can help you understand your options and connect you with life insurance solutions that fit your needs, giving you confidence that your loved ones will be protected when it matters most.

Are you interested in obtaining information about life insurance premiums?

Call and schedule your appointment to meet with Neil at (951)356-5255

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06/29/2026

At Alma's Accounting & Tax Services, we're committed to helping individuals, families, entrepreneurs, and nonprofit organizations achieve financial success all year long, not just during tax season.

Whether you're starting a new business, planning for your family's future, or looking for reliable bookkeeping services, our experienced team is here to provide professional guidance every step of the way.

Our Services Include:

Tax Services

Personal Tax Preparation
Business Tax Preparation

Business Services

Bookkeeping & Payroll
Sales Tax Reporting
Business Consultations
Business & Non-Profit Formation (Start-Ups)

Financial Planning

Investment Planning
Financial Advisory Services
Life Insurance

Estate & Legal Support

Trusts & Wills
Notary Services
Document Preparation

No matter where you are in your financial journey, we provide personalized solutions designed to help you save time and build a stronger financial future.

Schedule Your Appointment Today!

📞 (951) 356-5255

Whether you need help with taxes, bookkeeping, business planning, estate documents, or financial planning, we are ready to help!

Thank you for trusting Alma's Accounting & Tax Services. We look forward to serving you and helping you reach your financial goals.

Alma's Accounting & Tax Services

Accurate. Reliable. Professional.

Your Success is Our Business.

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05/08/2026

Greetings,


We would like to make you aware of an important update from the IRS regarding tax refund delivery methods.

The IRS has announced plans to gradually phase out paper refund checks for many taxpayers. Moving forward, most refunds will be issued through direct deposit or other secure electronic payment methods. This change is intended to improve security, reduce fraud, and help taxpayers receive refunds faster.

Additionally, some taxpayers who selected direct deposit for their refund may receive an IRS notice identified as CP53E. This letter typically indicates that the IRS needs you to verify or update your banking information before releasing your refund electronically.

If you receive a CP53E notice, we strongly recommend that you log into your IRS online account as soon as possible to review and confirm your information.

Please visit:

IRS Online Account (https://www.irs.gov/your-account)

Through your IRS account, you can:
• Verify your direct deposit information
• Update banking details if necessary
• Review IRS notices and account activity
• Monitor the status of your refund

If you have any questions or need assistance understanding an IRS notice, please click here (https://www.irs.gov/newsroom/irs-to-phase-out-paper-tax-refund-checks-starting-with-individual-taxpayers) .

Thank you for trusting us with your tax preparation needs.

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05/04/2026

While moms everywhere deserve flowers, brunch, and a nap that no one interrupts… we know what they really don’t want lingering in the background: unfinished taxes. 😅

If you (or a supermom you know) haven’t filed yet, don’t worry we’ve got you covered.

Think of us as your financial fairy godmothers 🪄✨here to:
• Rescue you from last-minute tax stress
• Help you uncover deductions you didn’t know you had
• Get everything filed properly (so you can get back to celebrating!)

💡 Pro tip: Filing sooner means less stress and possibly a faster refund (aka more brunch funds 🥂).

Appointments are filling up, so don’t wait!

📞 Call us today to schedule (951) 356-5255

Let’s get those taxes done so you can get back to being appreciated the way you deserve 💕

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04/22/2026

The tax deadline has passed but if you haven’t filed yet, we have a team available to help get you back on track!

Whether you need to file your tax return or have questions about a future business endeavor, our team is ready to guide you through the process.

Filing late doesn’t have to be stressful. Here's how we can help:

1. Prepare and file your outstanding tax return
2. Minimize penalties and interest when possible
3. Answer any questions about your tax situation
4. Get you organized for the rest of the year
5. Set up your estimated tax payments to be paid quarterly

Appointments are filling quickly as we continue assisting post-deadline clients. We encourage you to schedule as soon as possible.

Call us today at (951)356-5255

We look forward to assisting you.

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04/16/2026

That’s a wrap! 🎉 Tax season is officially behind us. We are taking a well-earned day to rest and recharge.

We are so grateful for this incredible team who shows up, works hard, and truly supports one another every step of the way. We couldn’t do it without the teamwork and dedication each of you brings.

Thank you to our amazing clients for trusting us year after year. We appreciate you more than you know!

Now… time to recuperate 😴💛

04/06/2026

Tax season is almost over! There is just ONE WEEK LEFT to file your return or an extension.

We have a limited number of appointments available. If you need assistance, we encourage you to call as soon as possible to secure your spot.

If you’re unable to get an appointment or think you may owe this year, it’s important to request an extension right away. This waives the penalty of not filing on time.

Extension Details:

-$25 fee required upfront
-Fee will be applied toward your tax preparation cost when services are completed
-Extension is valid until October 15, 2026

Don’t wait until it’s too late! Protect yourself from penalties and stay compliant.

📞 Call us today to schedule your appointment or request an extension:
(951) 356-5255

We’re here to help you finish tax season strong!

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03/27/2026

Tax season is quickly coming to a close. There are only 3 weeks remaining until the April 15, 2026 deadline.

Our appointment schedule is filling up fast. Availability is limited. To ensure your tax return is completed on time, we strongly encourage you to call us as soon as possible to secure your spot.

📞 Call now to schedule: 951-356-5255

If you believe you may owe taxes and are unable to get scheduled before the deadline, we recommend filing an extension to avoid penalties for late filing.

Extension Details:

Cost: $25 (due at the time of request)
Details: The $25 will be credited toward your tax preparation services when your return is completed with AATS.

Filing an extension helps you stay compliant and avoid unnecessary penalties, even if you need more time to finalize your return. These extensions expire 10/15/2026.

Don’t wait until the last minute. Reach out today to reserve your appointment or request an extension.

We’re here to help make your tax season as smooth as possible.

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