Frozen Yogurt, Ice Cream, Gelato and Other Frozen Treats Around Ventura County

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Here's a handy list of frozen yogurt, ice cream and gelato places in and around Ventura County for your dining pleasure. There are over 80 such establishments in Ventura County and surrounding areas.

(Current as of 7/5/25. Let us know of any changes.)

Thousand Oaks, Westlake Village, Newbury Park, Oak Park

Oxnard/Port Hueneme

Ventura/Ojai/Santa Paula/Fillmore

Thrifty Ice Cream, a brand that brings me visions of childhood joy, is still around at Rite Aid stores throughout Ventura County, as well as at Moby’s on Main arcade/bar in Ventura. stage.thriftyicecream.com/locations

FROZEN YOGURT AND ICE CREAM PLACES THAT HAVE CLOSED SINCE 2009

Restaurant Rewards Programs and Birthday Freebies Around Ventura County

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It's nice finding Kids Eat Free deals around Ventura County but there are also dozens of local rewards programs and birthday clubs that give you something for FREE!!!

This list includes programs where you get something for signing up or for being a repeat customer...a free burger, gift card, dessert, etc. Excluded are programs that do not provide an obvious freebie (i.e. only sends you promotional emails).

These deals often change, so click through to the restaurant website to confirm the deal is still good. Let us know of any changes, broken links or additions!!

Corner Bakery

Corner Bakery Rewards: Sign up and get $5 off your first order, then receive 5 points for every $1 spent, to get various offer. Also, receive a free bakery sweet on your birthday.

Locations: Thousand Oaks, Simi Valley

Cracker Barrel

Cracker Barrel Rewards: Earn “pegs” for each dollar spent and redeem for rewards. Free birthday reward - a dessert.

Location: Camarillo Premium Outlets

Daphne's Greek Cafe

Pita Points Rewards Club: Earn one point for each dollar spent; 100 points = $5 off any purchase. Plus another $5 credit on your birthday.

Locations: Newbury Park, Woodland Hills, Simi Valley

Dave & Buster’s

D&B Rewards: $10 free game play with $20 game play purchase for joining. $10 free game play for every $100 spent.

Location: Thousand Oaks

Del Taco

Dell Yeah! Rewards: Get two free tacos for signing up, get a free birthday reward and free ice or hot coffee before 11am daily with purchase. Accumulate points and exchange for rewards.

Locations: Newbury Park, Camarillo, Moorpark, Simi Valley (3), Oxnard (2), Ventura, Santa Paula

Denny's

Denny's Rewards: Sign up and get 20% off your next visit.  Free Grand Slam on your birthday.

Locations: Newbury Park, Camarillo, Moorpark, Simi Valley, Oxnard, Ventura, Port Hueneme, Santa Paula

Domino’s Pizza

Domino’s Rewards - 1 order of $5 or more = 10 points. 60 points = a free pizza.

Locations: Various

El Pollo Loco

La Familia Rewards: Earn 100 points for each dollar spent. Redeem for rewards.

Locations: Newbury Park, Thousand Oaks, Camarillo, Moorpark, Agoura Hills, Simi Valley (2), Oxnard (3), Santa Paula, Ventura

Farmer Boys

VIF (Very Important Farmer) Loyalty Club: Earn 1 point for each dollar spent. Redeem points for rewards. www.farmerboys.com/vif

Location: Newbury Park

Firehouse Subs

Firehouse Rewards App: Use their app and earn points towards free subs and more. Get free birthday sub too.

Locations: Simi Valley Town Center, Ventura, and Thousand Oaks

Grabbagreen

Grabsomegreen Rewards: Earn 1 point for each full dollar spent and receive $5 reward for every 50 points earned (effectively a 10% discount). Receive $5 reward for your birthday. www.grabbagreen.com/rewards

Location: Thousand Oaks

IHOP

IHOP Bank of Pancakes: Earn one PanCoin for every $5 spent. Trade 3 PanCoin crypto-pancakes for a short stack of 3 pancakes and other items. www.ihop.com/en/rewards

Locations: Agoura Hills, Camarillo, Ventura, Oxnard, Fillmore, Carpinteria

Islands

Islands Locals Program: Earn 1 point per $1 spent. 150 points = $10 reward. Get a free chips, salsa and guacamole upon sign-up. www.islandsrestaurants.com/locals-program

Location: Newbury Park

Jack in the Box

The Jack Pack: Earn points for each dollar spent. Redeem for food. www.jackinthebox.com/account/signup

Locations: Various

Jamba Juice

My Jamba Rewards App: Earn points for each purchase good for discounts on future purchases. Spend $35, get 35 points, which is good for $3 off your next order. Effectively an 8.6% discount. You also get a free birthday smoothie.

Locations: Westlake Village, Thousand Oaks, Camarillo, Newbury Park, Moorpark, Simi Valley, Oxnard, Port Hueneme, Ventura

Jersey Mike's Subs

myMike’s: Sign up and earn free subs with Shore Points and receive a free sub on your birthday.

Locations: Over a dozen locations...Ventura, Camarillo, Newbury Park, Ojai, Oxnard, Calabasas, Simi Valley, Moorpark, Westlake Village, Thousand Oaks, etc.

Krispy Kreme

Krispy Kreme Rewards App: Register and get a free Original Glazed doughnut. Earn points towards free doughnuts and drinks and get a free gift on your birthday.

Location: 220 Riverpark Road, Oxnard

Lazy Dog Restaurant & Bar

Email Club: Sign up and get free birthday and anniversary treats (dessert or appetizer)

Locations: The Oaks Mall in Thousand Oaks and The Collection at Riverpark in Oxnard

Little Calf Creamery & Cafe

Follow Little Calf: Sign up for their email list and get a free scoop of ice cream and updates. Visit website for details.

Locations: Thousand Oaks and Westlake Village.

Maria's Italian Kitchen

Maria's Kitchen Club App: Free birthday dessert. Earn 1 point for every $1 spent. Cash in 200 points for a $10 award (effectively a 5% discount). Free medium cheese pizza at signup. Free birthday month dessert.

Location: Agoura Hills

Menchie's Frozen Yogurt

My Smileage Club: Earn a Smile point for each dollar spent. Cash in 50 smiles for $5 towards a future purchase. That's a 10% rebate in my book!

Locations: The Collection at RiverPark in Oxnard, Port Hueneme and Ventura.

Mountain Mike’s Pizza

Mountain Rewards: Earn points points for each purchase and for ever 100 points, receive $10 towards your next purchase.

Locations: Moorpark, Oxnard

Nick the Greek

Rewards App: Earn points from purchases and redeem for food and drinks.

Locations: Ventura, Westlake Village

Noah’s New York Bagels

Noah’s Rewards: Free bagel and shmear with purchase, free egg sandwich on your birthday and redeem rewards points for items.

Noahs App: Download the app and receive 2 points for every $1 spent to redeem for items. Order on the app and get a free hot or iced coffee reward.

Locations: Thousand Oaks, Camarillo, Ventura

Nothing Bundt Cakes

eClub: Sign up and get a free Bundtlet on your birthday

Locations: Thousand Oaks, Ventura, Camarillo

Old New York Deli

Deli Dough Rewards Program: Earn 1 point for every $1 spent. 100 points  =  $7 in Deli Dough.

Location: Camarillo

Panera Bread

MyPanera: Sign up and receive a free "surprise" like a free pastry or sweet. Then receive other surprises as you accumulate points.

Locations: Camarillo, Oxnard, Ventura, Westlake Village, Thousand Oaks, Simi Valley

Papa John's

PapaRewards: Earn 1 point for every $5 you order ONLINE (including tax and delivery). Accumulate points for food items.

Locations: Thousand Oaks, Moorpark, Simi Valley, Oxnard, Ventura and Camarillo

Peet’s Coffee

Peetnik Rewards App: Earn points and exchange them for drinks and food. FREE drink or baked good on your birthday.

Locations: Thousand Oaks, Ventura

Pickles Deli

Pickles Deli Rewards - Fill out a form or download the Royalty Rewards Member App to receive $10 off your next visit for signup, free birthday reward and earn 1 point for each $1 spent. 100 points equals a $5 reward certificate.

Location: Newbury Park

Pizza Hut

Hut Rewards - Earn 2 points for each $1 spent. Use points for free pizza and other items.

Locations: Various

Pizza Man Dan's

Pizza Lover's Email Club: Free pizza on your birthday and much more.

Locations: Ventura (2), Oxnard, Port Hueneme, Moorpark and Camarillo

Raising Cane’s Chicken Fingers

Caniac Club: Get a free box combo for signing up.

Location: Oxnard

RedBrick Pizza

RedBrick Rewards: Earn 10 points for every dollar spent. Receive a $10 reward for every 1000 points. Effectively a 10% discount. Receive a small gelato after registering.

Location: 4990 Telephone Road, Ventura

Red Lobster

My Red Lobster Rewards: Earn points for your purchases and redeem for food items. Receive something on your birthday too.

Location: Oxnard

Red Robin

Red Robin Royalty: Free burger on your birthday and every 10th item free.

Locations: Simi Valley, Ventura, Oxnard

Regency Theatres

Regency Rewards: Earn points on purchases. 10 points for each adult ticket...100 points gets you a free companion ticket.

Locations throughout the area.

Rise Southern Biscuits & Righteous Chicken

Rise Rewards: Earn points for each dollar spent. Redeem points for food and beverages.

Location: Thousand Oaks, near Topper’s Pizza.

Rita's Italian Ice of Newbury Park

Rita's Birthday Club: Sign up and receive free birthday treat.

Location: 2290 Borchard Road, Newbury Park

Rori’s Artisanal Creamery

Birthday Club: Sign up for Rori’s email list and get a free birthday scoop

Locations: Camarillo, Ventura

Sbarro

Sbarro Rewards: Earn points for purchases and exchange for free food items.

Locations: Pacific View Mall in Ventura, The Oaks Mall

Subway

Subway MVP Rewards: Earn 4 tokens for every $1 spent on food and drinks. 200 tokens = $2 reward. Free cookie with sub purchase.

Locations: Everywhere

7 Eleven

7Rewards Loyalty Program: Download app on your smartphone, scan when you purchase coffee, Slurpees and other fountain drinks, and get 7th drink free. Not a bad deal!

Sharky's Woodfired Mexican Grill

Sharky's Rewards: Earn 1 point for every $1 spent. 100 points = $7 good toward future purchases. Effectively a 7% discount.

Locations: Calabasas, Camarillo, Newbury Park, Thousand Oaks, Simi Valley, Ventura, Westlake Village and Woodland Hills.

Slice House by Tony Gemignani

Slice House Rewards: Get $5 upon sign-up, earn 1 point for each $1 spent. Redeem 150 points for $10 off.

Locations: Thousand Oaks, Simi Valley

Sprinkles

Sprinkles Perks: For every $1 spent, get 5 points. 300 points equals a free item (cupcake, cookie or brownie).

Location: The Promenade at Westlake

Starbucks

My Starbucks Rewards: Members receive a free birthday drink or treat. Free refills and other items based on number of Stars collected over designated periods.

Locations: Everywhere

Stonefire Grill

SFG Rewards: Earn 1 point for every $1 spent. Every 125 points equals a $10 reward. Free birthday dessert.

Locations: Thousand Oaks

Taco Bell

Taco Bell Rewards: Sign up and get a free reward, then earn 10 points for each $1 spent. Earn a new reward every 250 points.

Urbane Cafe

Urbane Cafe App: Download the app, use it to pay for your purchases, and receive $5 credit for every $100 you spend; a 5% discount.

Locations: Thousand Oaks, Simi Valley, Agoura Hills, Camarillo, Oxnard, Ventura

Wienerschnitzel

Wiener Lovers' Club: Get a free chili dog for signing up and other stuff.

Locations: Simi Valley, Oxnard, Ventura

Wingstop

Email Club: Free birthday gift.

Locations: Oxnard, Camarillo, Ventura, Thousand Oaks

Yard House

E-Club: Register and receive a free appetizer

Location: Oxnard

Yogurtland

Real Rewards Program: Earn points for each ounce purchased and exchange points for free yogurt and birthday treats.

Locations: Simi Valley, Westlake Village, Oxnard, Ventura and Camarillo

Arby's

Arby’s Email List: Get free Classic Roast Beef with purchase of full-price menu item after signing up.

Locations: Ventura, Simi Valley

Baja Fresh

Club Baja: Earn 1 point for each dollar spent. Every 100 points gets you a $10 reward. Special offer on your birthday.

Locations: Camarillo (2), Simi Valley (2), Calabasas, Oxnard, Westlake Village

Baskins-Robbins

Baskin-Robbins Rewards: Free scoop for signing up.

Locations: Newbury Park, Camarillo, Moorpark, Agoura, Simi Valley (2), Oxnard (2), Thousand Oaks (2), Santa Paula, Ventura (2)

BJ's Restaurant

BJ's Premier Rewards Plus: Earn 1 point for each $1 spent and redeem for discounts. For example, cash in 350 point for $25 off your meal, effectively about a 7% rebate. Free Pizookie at registration and on birthdays.

Locations: Westlake Village, Oxnard

Black Bear Diner

Bear Lovers E-Club: Sign up and get a free meal now and another on your birthday.

Location: Ventura

Buca di Beppo

Buca E-Club: Join and receive $10 gift.

Location: Janss Marketplace in Thousand Oaks

Buffalo Wild Wings

Blazin' Rewards: Earn points for purchases and exchange for free food. Get 10 free boneless wings for signing up.

Locations: Simi Valley, Oxnard

Cafe Rio

My Rio Rewards: Earn 1 point for every $1 spent. Receive $10 reward for 100 points. Effectively 10% off.

Location: Thousand Oaks

California Pizza Kitchen

CPK Rewards: Free small plate when you register. Earn 1 point for each $1 spent. 75 points equals a $5 reward.

Locations: Thousand Oaks (The Lakes), Simi Valley Town Center, Ventura (Pacific View Mall)

Chick-fil-A

Chick-fil-A One App: Earn points with each purchase and redeem them for free food rewards.

Locations: Thousand Oaks, Westlake Village, Oxnard, Simi Valley, Ventura

Chili's Grill & Bar

My Chili's Rewards: Get free chips and salsa or non-alcoholic beverage on every visit. Free dessert on your birthday.

Locations: Newbury Park, Simi Valley, Oxnard

Chipotle

Chipotle Rewards: 10 points for every $1 spent. Redeem points for free menu items, apparel, accessories or charitable donations. Get free guac at signup and on your birthday.

Locations: Newbury Park, Thousand Oaks, Westlake Village, Camarillo, Simi Valley, Oxnard

Cold Stone Creamery

My Cold Stone Club® Rewards: Earn 1 point for each dollar spent. 50 points can be used as a $5 reward towards purchases of $5 or more. 25 points earned just for registering.

Locations: Thousand Oaks, Camarillo, Oxnard, Ventura, Simi Valley

Non-Food Rewards

Ulta

Ultamate Rewards: Earn points for purchases and exchange for discounts. Free birthday item.

Locations: Thousand Oaks, Camarillo, Simi Valley, Oxnard, Calabasas

Birthday Party Places In and Around Ventura County

Trying to figure out what to do for your kids' birthday parties in and around Ventura County? We've got you covered with this compilation of over 150 birthday party options in and around Ventura County, spanning from Ventura to Camarillo, Thousand Oaks, Moorpark, Simi Valley, Westlake Village, Newbury Park and surrounding areas. We have categorized venue by "type" as best we can.  Contact us if you have something to add!

Farmers' Markets and Farm Fresh Produce Around Ventura County

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Looking for fresh produce in Ventura County? Lettuce help you! There are over a dozen farmers' markets in and around Ventura County each week, not to mention another dozen or so stores and Community Supported Agriculture programs that sell organic produce.

Times, dates and places subject to change. Let us know of any updates!

FARMERS' MARKETS (In "day of the week" order)

SIMI VALLEY: Tuesdays 11am to 3pm Adventist Health Simi Certified Farmers’ Market at 3000 Sycamore Drive. www.facebook.com/groups/467664144959602 and www.adventisthealth.org/simi-valley/about-us/farmers-market

VENTURA: Wednesdays 9 am to 1 pm at Pacific View Mall in the west parking lot, near Red Robin and the former Sears. Call 805.529.6266. www.vccfm.org/midtown-ventura

OXNARD: Thursdays 9 am to 1:30 pm at Plaza Park, 5th and C Streets. Call 805.247.0197. downtownoxnard.org/farmers-market

THOUSAND OAKS: Thursdays 11 am to 4 pm at the The Oaks Mall east parking lot. Produce, flowers, food and more! www.vccfm.org/thousand-oaks

OJAI: Thursdays 3 to 7 pm at the Ojai Unified School District courtyard at 414 E. Ojai Avenue (at Montgomery). Produce, fish, crafts, food and more. www.ojaicommunityfarmersmarket.com

AGOURA HILLS: Thursdays from 4:30-8:30pm at 5050 Cornell Road, next to Wood Ranch. Called “Ladyface Marketplace.” Updates at www.facebook.com/agourahillsfm

SIMI VALLEY: Fridays 11 am to 3:30 pm at Simi Valley Civic Center Plaza, 2757 Tapo Canyon Rd..(at Alamo Street) www.facebook.com/simivalleymarket or 805.643.6458

DOWNTOWN VENTURA: Saturdays 8:30 am to noon 200 block of Main Street, from Palm Street to Mission Park. Call 805.529.6266 or visit www.vccfm.org/downtown-ventura

CAMARILLO: Saturdays 8 am to noon 2220 Ventura Boulevard camarillofarmersmarket.com. Call 805.386.3584.

CALABASAS: Saturdays 8 am to 1 pm in Old Town Calabasas on Calabasas Road west of El Canon Avenue (across from Sagebrush Cantina). Call 818.591.8161. ccfm.com/calabasas-farmers-market

NEWBURY PARK: (ANTICIPATED TO OPEN TBA) Saturdays 9am to 2pm at the Conejo Gateway Plaza at the corner of Wendy Drive and Old Conejo Road. Updates at ccfm.com/sprouting-with-excitement-new-markets-are-here.

SANTA PAULA: Saturdays 10am to 2pm at Anna’s Cider, 801 E. Main St. www.facebook.com/profile.php?id=100094783585689 (NOTE: Closed for “a couple weeks” as of 1/3/25: Check Facebook link for updates (no updates as of 7/3/25.)

VENTURA: The Ventura College Foundation Weekend Marketplace at Ventura College takes place on Saturdays and Sundays from 8 am to 2 pm, in the east parking lot, 4667 Telegraph Road. Fresh produce, nursery plants, flowers and more offered. venturacollegefoundation.org/weekend-marketplace-2

WESTLAKE VILLAGE: Sundays 10 am to 2 pm at 2797 Agoura Road (at the Westlake Commons) Call 818.591.8161. https://rawinspiration.org/locations/westlake-village-farmers-market/

OJAI: Sundays 9 am to 1 pm at 300 E. Matilija Street year-round, rain or shine. Produce, flowers and gourmet food. Call 805.698.5555. www.ojaicertifiedfarmersmarket.com.

OXNARD/CHANNEL ISLANDS HARBOR: Sundays 10 am to 2 pm at 2805 South Harbor Boulevard year-round. www.channelislandsharbor.org/listing/farmers-market

MALIBU: Sundays 9 am to 2 pm at Legacy Park, 23555 Civic Center Way. www.malibufarmersmarket.net

LOCAL STORES WITH FRESH PRODUCE:

Underwood Family Farms Market at 3370 Sunset Valley Road, Moorpark has farm fresh produce, pickled items, honey, nuts, juices, dried beans, farm fresh eggs and fresh cut flowers. Open year-round. Call 805.529.3690. underwoodfamilyfarms.com/farm-market

Underwood Family Farms Market at 5696 E. Los Angeles Avenue in Somis is open every day year-round 9am to 6pm (5pm after DST) with the exception of some holidays. Call 805.386.4660. underwoodfamilyfarms.com/somis

Underwood Family Farms - Somis Location

Underwood Family Farms Market in Moorpark.

Underwood Family Farms Market in Moorpark.

McGrath Family Farm at 1012 West Ventura Blvd, Camarillo is open March through December Tuesday through Sunday and offers organic fruits, flowers and vegetables.  Freeway convenient off the Central Avenue offramp of the 101. Call 805.983.0333.

Lassen's Natural Foods, with locations in Thousand Oaks, Oxnard, Camarillo, Ventura and Simi Valley, has offered fresh produce since 1971.

Apricot Lane Farms at 10700 Broadway Road in Moorpark opens its Farmstand on Saturdays and Sundays from March to November. Hours are 10am to 3:pm. www.apricotlanefarms.com/where-to-buy

Sprouts Farmers Market sells local farm fresh produce as well as a full range of other grocery items, with local area locations at:

Whole Foods Market organic fresh produce and a full range of grocery items, with local locations in Thousand Oaks (740 N. Moorpark Road, Thousand Oaks) 805.777.4730 and Oxnard at The Collection (650 Town Center Drive) 805.751.4300

Green Acres Farm Market (2918 Los Angeles Avenue, Simi Valley) opened in 1968 and offers farm fresh produce, meat, fine wines and gourmet groceries. Call 805.526.1312. www.simigreenacres.com

Rodela Produce and Flowers (formerly A & F Country Market) is at 4550 Olivas Park Drive in Ventura (at Telephone Road). From Thousand Oaks, take Victoria offramp from 101 south to Olivas Park and make a right. Store is on your left. Nice stop on your way to/from the Olivas Adobe and Ventura Harbor Village. 805.644.5470.

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Santiago’s Produce is located on the northwest corner of Olivas Park Drive and Telephone Road at 4551 Olivas Park Drive.

The Berry Best stand at 3030 Dodge Road (at Pleasant Valley Road, just east of Rice Avenue) is strawberry, fruit and vegetable stand. Call 805.271.4490.

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Prancer’s Farm is a family owned farm and produce stand located at 18540 E. Telegraph Road, Santa Paula. Open daily 10am to 6pm.

The Gerry Ranch offers freshly picked blueberries at its farm in the Santa Rosa Valley. Visit www.gerryranchberries.com for more information.

Francisco's Fruits is located at 1782 E. Telegraph Road in Fillmore. Fruits, nuts, snacks, and more. Great place to buy citrus! www.facebook.com/FranciscosFruit 805.524.4616

Lil Red Barn is located at 100 S. Victoria Avenue in Oxnard, with seasonable produce like strawberries, avocados, vegetables and more. 805.382.0799

Paty’s Farm at 3260 Somis Road in Somis is a produce stand that offers fresh fruit and vegetables. 805.947.6764

CSA (COMMUNITY SUPPORTED AGRICULTURE) AND LOCAL DELIVERY PROGRAMS

Local Harvest Delivery is based in Santa Barbara and delivers harvest boxes to homes as far as Ventura and Ojai. localharvestdelivery.com

Farm Cart Organics provides local delivery service. Visit www.farmcartorganics.com.

Farmivore offers farm to door delivery throughout Ventura County, plus Agoura Hills and Calabasas. https://farmivore.localfoodmarketplace.com

Farm Fresh to You delivers organic fruits and vegetables to your home. www.farmfreshtoyou.com

Retired Farmers' Markets:

NEWBURY PARK: Fridays 2pm to 7pm (The Village at Dos Vientos Ranch). Announced on 12/9/13 that market is closed.

SIMI VALLEY: The Simi Valley Town Center Market was discontinued effective 11/26/14 after running for a year and a half.

AGOURA HILLS: Sundays 9 am to 2 pm at 5835 Kanan Road (Agoura's Famous Deli parking lot) closed 6/28/15.

CAMARILLO: Wednesdays 3-7pm Pleasant Valley Certified Farmers' Market at the Camarillo Community Center parking lot closed 9/30/15.

NEWBURY PARK: Saturdays 9 am to 2 pm at the Newbury Park Library parking lot (Borchard Road and Michael Drive) closed Feb 2017

OXNARD: Thursdays 4 pm to 8 pm at The Collection at RiverPark short-lived

OXNARD: Saturdays 8 am to 2 pm at The Collection at RiverPark located -short-lived in 2022

MOORPARK: Sundays - to be relocating - check for updates at www.facebook.com/moorparkcfm

Wedding Reception Venues In Ventura County and Surrounding Areas

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Conejo Valley Guide focuses primarily on events, activities and things to do in the Conejo Valley, Ventura County and surrounding areas.

Since we're out and about so much, we thought it might be helpful to have a comprehensive list of over 170 local wedding, wedding reception and meeting venues within an hour radius of the Conejo Valley.

(Contact us for additions/edits to this list.)

Simi Valley Wedding Reception Venues

Moorpark, Somis Wedding Reception Venues

Ojai, Santa Paula, Fillmore, Piru Wedding Reception Venues

Santa Barbara, Carpinteria, Goleta

What the One Big Beautiful Bill Act Means for Your Individual Taxes in 2025 and Beyond

When Congress passed the One Big Beautiful Bill Act signed into law on July 4, 2025, it triggered the most sweeping overhaul of the U.S. tax system since 2017. While headlines focused on Trump Accounts and repealed EV credits, the bill quietly reshaped the rules for everyday taxpayers—introducing new deductions, revising old ones, and locking in key provisions that affect how millions of Americans will file in the years ahead. Here is a high-level summary that breaks down the major individual income tax changes that could shape your bottom line from 2025 through 2028—and beyond.

TAX RATES

The new law retains the current individual income tax rate structure that ranges from 10% to 37%. The income ranges these apply to are permanently adjusted for inflation each year.

STATE AND LOCAL TAX DEDUCTION

The “SALT” itemized deduction cap was raised from $10,000 to $40,000 in 2025, then increases 1% annually through 2029, before dropping back to $10,000 in 2030. However, if your modified adjusted gross income (MAGI) is over $500K, the deduction is reduced by 30% of the excess over $500K, but can’t fall below $10,000.

SENIOR BONUS DEDUCTION

The bill provides an additional standard deduction of up to $6,000 per person for seniors ages 65+ in tax years 2025-2028. The deduction is reduced by 6% of MAGI that exceeds $75K (single) and $150K (joint), which means that the senior bonus deduction phases out completely when MAGI reaches $175K single and $250K married filing jointly. You don't have to be receiving Social Security benefits to receive the deduction.

So for example, if your MAGI is $100K and you are single, you will receive an additional tax deduction in 2025 of $4,500 ($6,000 less 6% of the excess of $100K over $75K).

STANDARD DEDUCTION

The standard deduction in 2025 is $15,750 for single/married filing separately, $23,625 for head of household, and $31,500 for married filing jointly, up from $14,600, $21,900, and $29,200, respectively, in 2024. There is a regular extra standard deduction for 65+ seniors of $2,000 single and $3,200 married filing jointly (both 65+; $1,600 if one spouse is 65+), up slightly from $1,950, $3,100, and $1,550 in 2024. The standard deduction will be indexed for inflation annually.

Here’s another example. If you are married, both 65+ with income of $150K or less in 2025, you will be receiving a standard deduction of $46,700 ($31,500 base deduction + $3,200 extra 65+ deduction + $12,000 bonus 65+ deduction). Of course, if your itemized deductions are greater than your standard deduction of $46,700, we should still take the higher of the two on your 2025 return.

TIP INCOME DEDUCTION

Workers in traditionally tipped industries, such as food service, salons, and spas, can deduct up to $25,000 in tips per year from 2025 to 2028. The deduction phases out for AGIs exceeding $150K single, $300K joint filers.

OVERTIME PAY DEDUCTION

From 2025 to 2028, there is an overtime pay deduction of up to $12,500 in overtime pay per person ($25,000 for joint filers). The deduction phases out $100 for every $1,000 over MAGI of $150K single, $300K joint filers. Only the overtime premium (e.g. the extra pay above your regular hourly rate) is deductible.

PERSONAL CAR LOAN INTEREST

Taxpayers can deduct up to $10,000 in car loan interest for new cars purchased between 1/1/25 and 12/31/28 that were assembled in the U.S. This is an “above the line” deduction, meaning, you can take the deduction whether or not you itemize deductions. The deduction is reduced by $100 for every $1,000 over MAGI of $100K single and $200K joint returns.

EV TAX CREDITS

The tax credits for both new (up to $7,500) and used (up to $4,000) EVs expire this October, which means only three months remain to purchase an EV and potentially receive those credits (subject to current MAGI limits). These credits were previously set to expire after 2032.

RESIDENTIAL CLEAN ENERGY (e.g. SOLAR) CREDITS

Solar tax credits go away in 2026, which means taxpayers have limited time remaining this year to purchase, install, and place in service a home solar system by 12/31/25 to receive a 30% tax credit on the system. This also applies to batteries – if you have an existing solar system, you can install batteries by year-end and receive a tax credit on that purchase. If you have unused solar tax credits, they carry forward to future tax years.

ENERGY EFFICIENT HOME IMPROVEMENT CREDITS

These credits also go away in 2026. This applies to certain energy-efficient windows, doors, insulation, heat pumps, central A/C, etc. These credits can be as much as $1,200 to $3,200 per year. They do not carry forward to future years.

CHILD TAX CREDIT

The child tax credit increases from $2,000 to $2,200 for children under the age of 17 at the end of 2025. It phases out when MAGI reaches $200K single and $400K joint.

CHARITABLE DEDUCTIONS

The new law adds a permanent provision for non-itemizers to deduct up to $1,000 (single) and $2,000 (joint returns) in cash donations to 501(c)3 charities, beginning in 2026. In other words, you can deduct cash donations starting next year, even if you don’t itemize deductions.

The new law introduces a floor of .5% (half of a percent) of AGI for those itemizing charitable donations, beginning in 2026. What this means is that you can deduct charitable donations to the extent they exceed .5% of your AGI. So if your AGI is $200K and your charitable donations are $5,000, you can deduct $4,000 ($5,000 less .5% of $200K).

MISCELLANEOUS ITEMIZED DEDUCTIONS

The bill permanently eliminates various deductions that were previously subject to 2% of AGI prior to 2018, such as unreimbursed employee expenses, tax preparation fees, investment advisory fees, safe deposit box rental, etc.

OTHER ITEMS

Moving expenses associated with work are now permanently not deductible (unless you are active-duty military moving under orders).

After 2025, gambling losses will only be deductible up to 90% of your gambling losses. It is still 100% in 2025. And remember, you must itemize deductions to claim gambling losses. I know a couple of you that this will impact.

“Trump Accounts” are a new type of tax-deferred investment account for every child born between January 1, 2025 and December 31, 2028. The government funds the first $1,000. It is invested in a diversified U.S. stock index fund. Up to $5,000 of additional funds can be invested per year, plus an extra $2,500 from employers.  The funds can be withdrawn starting at age 18 for education and other specified uses. For those with newborns this year, the IRS should be coming out with information about these accounts by the end of the year.

There’s a provision in the new law that allows for a tax credit of up to $1,700 per taxpayer for contributions made to “Scholarship Granting Organizations” that support K-12 private or religious school scholarships. The tax credit must be taken in the year of donation. It cannot be carried forward. And you can’t take both the credit and an itemized deduction for the payment.

The new law made the $750,000 cap on mortgage loan interest deduction permanent. The cap is not tied to inflation.

The estate tax exemption increases from $13.99 million in 2025 to $15 million per individual in 2026 and will be indexed for inflation going forward. If the law hadn’t passed, the exemption would have dropped to about $7 million in 2026.

View the 870 page bill at www.congress.gov/119/bills/hr1/BILLS-119hr1eas.pdf.

The Twin Ponds Conservation Area in the Conejo Open Space is Protected Land

The Twin Ponds Conservation Area in Dos Vientos is part of the open space lands of the Conejo Open Space Conservation Agency and is protected by a conservation easement to the California Department of Fish and Game.

July 2014

July 2014

January 2015

January 2015

May 2016

May 2016

The ponds were originally constructed in the 1920s as part of the irrigation system for agricultural and cattle ranching operations at Dos Vientos Ranch. Today they serve as important habitat for Two Striped Garter Snakes and larger animals such as deer, bobcat, coyote and mountain lions that depend on a reliable source of water. Migrating waterfowl are occasionally abundant, especially in winter.

TwinPondsDV1.JPG

COSCA and Fish & Game ask that we enjoy this scenic area but protect the ponds for the future and ask that we do not enter the water or allow dogs/horses to enter the water, disturb or remove any animal or plant or place any plants or animals, including fish, into the ponds.

To explore the ponds, take the Vista Del Mar Trail from one of several access points in the Dos Vientos area, including the corner of Via Ricardo and Via Rincon and the corner of Rancho Dos Vientos and Via El Cerro. This is a fun little hike to take the kids on and the ponds are only about a mile from the Via Ricardo/Via Rincon trailhead.

Twin Ponds? What ponds? The ponds are completely dried up as of August/September 2016.

Twin Ponds? What ponds? The ponds are completely dried up as of August/September 2016.

January 2024

Late March 2024 - looking great!