Almond Valley Wealth Management can help you feel more confident and in control of your finances, and provide you with the tools and guidance you need to achieve your financial goals over time. We help solve a wide range of financial problems, such as creating a budget, managing debt, investing for retirement, planning for major life events, and protecting your assets.

Some common concepts we enjoy helping clients with include:

  1. Retirement planning: We provide guidance on how much to save, what types of accounts to use, and how to create a sustainable income stream in retirement.

  2. Investment management: We help you manage your investments, including selecting appropriate investments based on your goals and risk tolerance, monitoring your portfolios, and making adjustments as needed.

  3. Financial planning: We create a comprehensive financial plan that considers your current financial situation, your goals, and your risk tolerance. This can include planning for major expenses such as buying a home or paying for college, as well as creating a plan to pay off debt and save for retirement.

  4. Tax planning: We assist you with minimizing your tax liability by identifying tax-efficient investment strategies, taking advantage of tax deductions and credits, and creating a plan to manage tax liability over time.

  5. Estate planning: We help create an estate plan that takes into account your wishes for how your assets will be distributed after passing away, and can help minimize estate taxes and other costs.



Almond Valley Wealth Management provides education as part of our services. This may include helping you understand different investment options, explaining complex financial concepts, and providing guidance on how to make informed financial decisions. We offer educational resources such as articles, webinars, and seminars to help you stay informed about the latest financial products, services, and trends. By providing education and guidance, we can help you make more informed decisions about your finances, and ultimately achieve your financial goals.




Your Business

Running a successful business is no small task—and things like your business succession plan, key employee benefits, and key person insurance may not be top of mind. We can help you take the next steps to protect your business—and your financial wellbeing—so you're ready for unexpected changes and future transitions. We can help find a customized solution – let's explore your options for helping to protect your business: 

-Business Succession Put a plan in place for the future transition of ownership of your business. 

-Key Employee Retention & Retirement Help recruit, retain, reward, and retire key employees. 

-Key Person Protection Keep your business running smoothly after the loss of a key employee. 

Your Employees

Your employees are essential to your business. Retain your best and brightest—and recruit new top talent—by offering retirement and group insurance benefits they've come to expect. Help create financial wellbeing, now and in the future. Explore benefits to help you stay competitive, meet goals, grow your business, and provide the financial protection you and your employees may need. 

-Qualified Retirement Plans Help attract and retain employees with a range of defined contribution and defined benefit retirement plans. 

-Group Benefits Tailor group dental, disability, life, vision, and critical illness insurance solutions to fit the needs of your business and your employees. 

-Bonus Plans Help your top people overcome limitations on qualified retirement plans with an added benefit for their value. 

-Nonqualified Deferred Compensation Plans Offering competitive benefits for top talent is important to the success of your organization. 

Your Lifestyle

Protecting your business is a top priority. But even more important is protecting your loved ones and the life you've built. Whether you want to prepare for retirement, create a plan if you become too sick or hurt to work, or leave a legacy after you're gone, we can help. Together, let's explore customized solutions for all your needs: 

-Business Owner Strategies Plan for your retirement goals and request a complimentary analysis to get personalized recommendations. 

-Disability Income Protection Help ensure your financial security—and your business—are protected if you become too sick or hurt to work. 

-Life Insurance Learn how you can leverage life insurance to cover financial needs for your family and your business. 

-Legacy & Estate Planning Design a plan for the transfer of your personal and business assets, including trust and gifting strategies.



From simple start-up plans to complex plans for large institutions, we offer defined contribution plan services to fit your business, including:

-401(k), 403(b), 401(a), ESOP, KSOP, and other retirement plan types

-Plans tailored to for-profit, tax-exempt, governmental, and union organizations

-Full-service or third-party administrator (TPA) service arrangements

-Flexible integration with payroll providers

-Administrative services that limit your involvement in participant transactions

-Personalized participant education and engagement


As a business owner, you may want to provide your employees with retirement benefits and a shared stake in your company's success, while establishing a succession plan for your business. We're here to help understand whether an ESOP can be right for your business. Together, with Principal®, we can help provide guidance and support you in setting up a plan that offers retirement savings primarily through employer stock and establishes an employee-owned company. 

What makes an ESOP different? An ESOP is a retirement benefit. But it's different than a 401(k) or pension plan. 

-It's an exclusive option for C- and S-corporations. 

-Assets are primarily invested in company stock. 

-It gives you a flexible way to sell all or part of your business. 

For business owners, an ESOP can be a valuable piece of a succession plan. It can facilitate an efficient ownership transfer, letting you leave a legacy when you reach retirement or leave your company. You can exit on your timeline, not an outside buyer's requirement. 


Extra savings beyond qualified plan limits: Nonqualified Deferred Compensation Plans

Nonqualified deferred compensation plans (deferred compensation plans) allow key employees to contribute additional tax-deferred compensation (up to 100%, depending on plan design) to their savings—and allow employers to make discretionary contributions as well.  This can often be an easy way to contribute more and eliminate any savings gaps for highly compensated employees, where appropriate. 

Is a nonqualified deferred compensation plan right for your organization? 

To offer a viable nonqualified plan, your business should meet certain criteria: 

-Public, Private C Corporation, Pass-through tax entity (for non-owners), or non-governmental tax-exempt business entity

-Substantial business continuity and financial integrity

-Highly compensated employees with a retirement gap due to qualified plan limitations







We work with the following companies to help you achieve your goals: 

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