Free Concerts and Live Music All Summer Long Around Ventura County

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We’re looking forward to another outstanding summer of free live music throughout Ventura County and surrounding areas! The compilation below has links to more detailed information.

Concerts subject to change. List will be updated regularly as new events are added.

Thousand Oaks/Westlake Village/Newbury Park

Agoura/Oak Park/Calabasas/Woodland Hills

  • City of Agoura Hills Free Summer Concerts in the Park at Chumash Park. Concerts start at 6pm on the following Sunday nights:

    • June 15: Mirage (Fleetwood Mac Tribute)

    • July 6: DSB (Journey Tribute), followed by patriotic drone show

    • August 3: Queen Nation (Queen Tribute)

    • August 17: Brandon Ragan Project

  • Valley Cultural Foundation’s Free Concerts at Warner Park in Woodland Hills on Sunday nights from June 15 to August 24 (except the July 4th Friday event) at 5:30PM (emerging artist) followed by headline acts.

    • June 15: No Duh - A Tribute to No Doubt

    • June 22: DJ Quik

    • Friday, July 4: Councilmember Bob Blumenfield’s July 4th Extravaganza on Friday, July 4th, from 6-9:30PM featuring Strange Days - Tribute to the Doors

    • July 13: Twisted Typsy - Fleetwood Mac Tribute

    • July 20: Kenny Hale - The Music of Neil Diamond

    • July 27: Surfin’ - Tribute to The Beach Boys

    • August 3: Live From Earth - Pat Benatar Tribute

    • August 10: Which One’s Pink - Pink Floyd Tribute

    • August 17: DSB - Tribute to Journey

    • August 24: Locked Out of Heaven - Bruno Mars Tribute

  • Sun Sets Summer Concert Series at Calabasas Lake on Sunday nights at 6pm.

    • June 8: AbbaFab - The Premier ABBA Experience

    • July 20: Live From Earth - Pat Benatar Tribute

    • August 3: Stone Soul - Motown

    • August 24: Turn the Page - Tribute to Bob Seger

  • Music in the Park at Oak Canyon Community Park in Oak Park at 6:30pm

    • Saturday, July 12 - Kenny Metcalf - Elton John, The Early Years

Moorpark/Simi Valley

  • Summer Music in the Park Free Concerts at Rancho Simi Community Park on Saturday nights at 6:30pm.

    • June 21: Cali Country All Stars

    • July 19: Bruno Mars and Britney Spears Tribute

    • August 16: Led Zepagain (Led Zeppelin Tribute)

  • City of Moorpark Concerts in the Park at Arroyo Vista Park at 6pm

    • June 28: Electric Vinyl (Classic Rock)

    • July 26: Yachty by Nature (Yacht Rock)

    • August 23: Juano and Friends (Rock, Cumbia, Oldies, R&B)

    • September 27: The Spazmatics (80s)

  • Concerts at the Plaza at the Simi Valley Civic Center Plaza take place from 6-9pm on the following nights:

    • 7/12: Rock the Boat (Yacht Rock)

    • 7/19: Holgers Heroes (70s/80s Rock Classics)

    • 7/26: Soul Jukebox & The Funky Divas (Motown, R&B, Funk)

    • 8/2: Ticket to Ride (Beatles Tribute)

    • 8/16: 2 For The Show (Hit Songs)

    • 8/23: Double Header - (Two Bands - Classic Rock and Bryan Adams Tribute)

Camarillo/Oxnard/Port Hueneme/Ventura

Santa Barbara

Free Thursday Night Concerts at Chase Palm Park in Santa Barbara on Thursday nights, July 3, 10, 17 and 24 from 6-7:30pm.

Have something to add to this list? CONTACT US!!

Check the Events Calendar for things going on around town as well as the Local Events and Community Messages sections of Conejo Valley Guide.

Eleven of My Favorite Things to Do In and Around the City of Ventura

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Incorporated in 1866, the City of Ventura is the county seat of Ventura County. The official name of Ventura is the city of San Buenaventura. Mission San Buenaventura was founded by Franciscan priest Junipero Serra on March 31, 1782 and was named after Saint Bonaventure. Enough with the history lesson...here are some of my favorite things to do in this beautiful city!

You can't miss the 1,600 foot long Ventura Pier, with its panoramic views, fishing and ocean breezes. There's a cool little playground area in the sand just west of the pier, bicycle rentals nearby, miles of beachfront bike path and Surfers' Point. San Buenaventura State Beach stretches from the Ventura Pier down south past the homes of the Ventura Keys. Eateries on the pier include Eric Ericsson’s Fish Co., MadeWest Brewing Company Taproom and Beach House Tacos.

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Ventura Harbor Village is home to 33 acres of harborside activities, shopping and restaurants. There's an arcade with an antique carousel, boat rides, kayaking and sailing and quick access to family-friendly Harbor Cove Beach and Surfer's Knoll Beach. Also within a short walking distance is the Robert J. Lagomarsino Visitor Center, an inspirational and interactive source of information about the Channel Islands National Park. Bring the kids!

Ventura Harbor Village is a popular destination for tourists and locals alike.

Ventura Harbor Village is a popular destination for tourists and locals alike.

For some of the most spectacular views of Ventura, stop by Grant Park / Serra Cross Park. You can drive up there, or park above the historic Ventura City Hall building and walk to Grant Park via the Ventura Botanical Gardens trail. This nice one mile trail will give you a nice little workout, with views along the way.

A view from the Ventura Botanical Gardens Trail near Grant Park

Golf N' Stuff is a family favorite, especially when it's really hot in the Conejo Valley and you're looking for an outdoor alternative to the beach.  The kids never tire of the two 18-hole mini golf courses, bumper boats, large, nicely appointed arcade, go karts and bumper cars.

Mini golf fun at Golf N' Stuff Ventura.

Mini golf fun at Golf N' Stuff Ventura.

Another popular family choice is oceanfront Marina Park in the Ventura Keys, a decent sized park with plenty of grassy area, a newer playground and path to adjacent picnic and viewing area Soter Point. We enjoy riding bikes from the park to the Ventura Beach Path.

Marina Park Beach

Marina Park Beach

In Downtown Ventura, the Museum of Ventura County hosts a collection of over 30,000 pieces of fine art and historical items and a changing lineup of exhibits displaying items of local relevance. The Museum's Research Library houses over 150,000 resources related to the history of Ventura County. And the Museum regularly hosts public events geared towards all ages as well as free admission the first Sunday of each month.

The city closed off five blocks of Main Street in Downtown Ventura to create “Main Street Moves.” in 2020. This allowed many businesses to thrive with outdoor dining during the pandemic, but it also caught on as a great opportunity to roam the streets of Downtown Ventura in a leisurely way, without automobile traffic. City Council voted to extend Main Street Moves on a year-round basis in November 2024. Updates at www.cityofventura.ca.gov/2165/Main-Street-Moves.

It doesn’t feel like it is in Ventura, but Lake Casitas Recreation Area, technically in Ventura (though it feels more like it is in Oak View), is a wonderland of outdoor fun - boating/kayaking on the lake (no swimming though…it is a water source), camping, disc golf, picnicking, bicycling, exploring and more.

Kayaking at Lake Casitas.

Something new! Moby’s on Main opened at 369 E. Main Street in Ventura, in late May 2024. Moby’s is Ventura’s first family-friendly arcade and bar, offering a collection of vintage arcade games, pinball machines, classic Thrifty ice cream, snacks and more. www.mobysonmain.com

Tell Me a Little Bit About the City of Westlake Village Boundary

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Westlake Village is a master-planned community that is transected diagonally by the Los Angeles/Ventura County line. 

The Ventura County side of Westlake Village, which is 8,544 acres, was annexed into the City of Thousand Oaks in 1968 and 1972. The Los Angeles County side of Westlake Village is 3,456 acres and was incorporated as the City of Westlake Village in 1981. 

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Ah yes, the challenge of distinguishing between the Los Angeles and Ventura County sections of Westlake Village. It truly is a diagonal boundary that stretches from just northeast of Lindero Canyon Road, south of Blackbird Avenue on the north to South Westlake Blvd at Kirsten Lee Drive on the south.

It is impossible to drive, bike or walk the boundary line because it crosses right through the middle of Westlake Lake. Although, you could drive along the border on La Venta Drive southwest from Watergate Road.

Further north, the border cuts diagonally across Westlake Golf Course.  In fact, the driving range section of the golf course bordered on the west by Lakeview Canyon Road and on the north by the 101 is located within the City of Thousand Oaks while the rest of the course is in Westlake Village.

Costco Westlake Village and the Four Seasons Westlake Village are solely part of the City of Westlake Village, as is the Las Virgenes Reservoir.

Does it really matter what side you're on? For most, no. But there's one clear financial difference. Sales taxes. As of July 2024, sales taxes in the Thousand Oaks/Ventura County portion of Westlake Village are 7.25% as compared to 9.5% in the Los Angeles County based City of Westlake Village. The difference is 2.25% for Los Angeles County district taxes. That means if you live in the City of Westlake Village, you’ll be paying $1,125 more for a $50,000 car than those living in the Ventura County portion of Westlake Village.

Las Virgenes Reservoir, the only body of water lying completely in the City of Westlake Village.

Las Virgenes Reservoir, the only body of water lying completely in the City of Westlake Village.

What Happens When You Turn 18 in the State of California?

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Age 18 in the United States is considered the "age of majority" and is a major milestone.

Age 18 has been the age of majority since the 26th Amendment, signed into law by President Nixon in July 1971. Historically the age of majority was 21, but when Franklin D. Roosevelt lowered the military draft age to 18 during World War II, there was a push to align the voting age with the military draft age.

So what changes when you turn 18? The State Bar of California previously published a nice guide for teenagers to help better understand how their rights and responsibilities change at age 18.

Here's a summary of these rights and responsibilities, excerpted from the California Lawyers Foundation booklet (updated in 2021), “When You Turn 18 - A Legal Survival Guide” (pdf file) (Spanish language version):

  1. Enter into binding contracts - for example, leases, opening bank accounts and applying for loans (of course, to obtain the loan, you may still need a co-signer).

  2. Buy or sell property, such as real estate and stock.

  3. Marry without written consent of parents or guardian.

  4. Sue or be sued.

  5. Compromise, settle or arbitrate a claim.

  6. Make or revoke a will.

  7. Inherit property outright.

  8. Vote in federal, state and local elections. (Since 2016, 16 and 17 year olds may pre-register to vote at age 18.)

  9. Consent to all types of medical treatment.

  10. Join the military without parental consent. Male U.S. citizens or immigrants living in the U.S. generally must register with the Selective Service System within 30 days of turning 18. (Females are not currently not required to register for the draft.)

  11. Get a job without a special work permit.

  12. Serve jury duty.

  13. Be subject to more serious consequences for breaking the law.

  14. Prior to June 9, 2016, you could buy tobacco products. The law changed, however, and now you have to wait until you are age 21. This also includes e-cigarettes and vaping products.

  15. At age 18 you can give blood without parental consent in California (written parental consent is required for 16 and 17 year olds).

  16. At age 18 you may become an organ donor without parental consent. www.organdonor.gov/about/donors/child-infant.html

  17. Apply for credit in your own name, though you will likely need to show proof of income or have a co-signer.

  18. You can get a tattoo at age 18 and can do so without parental consent. You cannot get a tattoo under the age of 18. It is a misdemeanor to give or even offer to give a tattoo to someone under the age of 18 in California. (PC 653)

  19. You can get a piercing without parental consent at age 18.

  20. You can file a petition to change your name at age 18.

  21. You can play the Lottery at age 18 in most states (except Iowa and Louisiana - party poopers).

  22. In California and most states (except Arizona, Iowa, Nevada and Texas), you can bet on horse races (e.g. pari-mutuel betting).

  23. You can play charity bingo at age 18 in California.

What you still cannot do:

  1. Purchase tobacco products, e-cigarettes and vaping products (mentioned above). You must be age 21. In fact, federal law changed in December 2019 to require all states to change the minimum age for tobacco purchases to 21.

  2. Purchase and consume alcoholic beverages. The minimum age for drinking in all states is 21.

    Some states have minor (so to speak) exceptions to the age 21 requirement. In Kansas, under 21 may drink “cereal malt beverages” under parental supervision on their own property. What is a cereal malt beverage? A beverage with no more than 3.2% alcohol by weight produced by fermentation, not by distillation. Coors Light has 4.2% alcohol as a comparison. The states of Alaska, Connecticut, Louisiana, Maine, Maryland, Ohio and Wisconsin have exceptions that allow individuals under age 21 to drink when parents or guardians are present. If you are 18 and really want to drink, the territories of Puerto Rico and the Virgin Islands allow legal drinking, unencumbered by the presence of parents, at age 18.

  3. You cannot sell or serve alcoholic beverages for consumption on-premises until you are age 21. However, it is allowable for someone 18 to 21 to serve alcoholic beverages to consumers in a restaurant along with food for consumption on premises.

For more information about the “When You Turn 18: A Legal Survival Guide” publication and/or to request physical copies of the booklet at calawyersfoundation.org/our-work.

Compilation of Arcades in Ventura County and Neighboring Areas

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Looking to extract yourself from your phone and experience a good, old-fashioned arcade, where you can find video games, pinball machines, redemption games, claw machines, ride machines, air hockey machines, and the like? Well here’s a compilation of such places in and around Ventura County and the Conejo Valley.

The Mighty Axe at Janss Marketplace in Thousand Oaks is well known for axe-throwing fun but it also has an arcade featuring 11 pinball machines as well as a Wednesday night IFPA (International Flipper Pinball Association) Pinball League. Learn more at themightyaxe.com/thousand-oaks or call 805-557-8686.

Moby’s on Main is located at 369 E. Main Street in Ventura, between North Palm Street and North Oak Street. Moby’s is a family-friendly arcade and bar, offering a collection of vintage arcade games, pinball machines, classic Thrifty ice cream, snacks and more. Visit www.mobysonmain.com to learn more.

Kids World Family Fun Center at 618 Lindero Canyon Road in Oak Park is geared towards kids with its large, indoor play structure, slides, and ball pit, but also contains a large arcade with over 30 video games, claw machines, skill machines, and rides. kidsworldla.com 818-338-8888

Pastime Legends, located at 2040 E. Main St, Suite A, in Ventura, has a retro arcade with approximately 40 retro video games, such as Galaga, Asteroids, Pac-Man, Dig Dug, and much more, as well as air hockey. There is a $5 minimum token purchase. www.facebook.com/PastimeLegendsWest 805-667-9190

Dave & Buster’s Thousand Oaks at 145 W. Hillcrest Drive in Janss Marketplace has a massive arcade with over 120 games, including redemption games, claw machines, racing simulators, virtual reality games, classic and modern video games, high-tech darts, and digital shuffleboard. www.daveandbusters.com/us/en/about/locations/thousand-oaks 805-857-7800

K1 Speed Indoor Go Karting Thousand Oaks at 770 Lawrence Drive has an arcade with over 30 games, prize redemption machines, classic video games, pool tables, air hockey, and more. www.k1speed.com/thousand-oaks-location.html 805-321-8258

Arcade area at K1 Speed in Thousand Oaks

Chuck E. Cheese Thousand Oaks at 130 W. Hillcrest Drive is obviously geared towards kids but the arcade contains over 50 games that are also fun for adults, including console games, hoops, alley bowling, puzzle games, redemption games, and classic arcade games. www.chuckecheese.com/thousand-oaks-ca/arcade 805-497-2522

Chuck E. Cheese also has a location at 4714 Telephone Road in Ventura. www.chuckecheese.com/ventura-ca 805-644-9777

Bowlero at The Collection at RiverPark in Oxnard has a large arcade with video games, skill machines, redemption games, claw machines, and more. www.bowlero.com/location/bowlero-oxnard 805-288-8953

Arcade at Bowlero at The Collection at Riverpark in Oxnard

Kawaii Klaws is located on the bottom floor at the Pacific View Mall in Ventura, featuring over 30 claw machines with plush toys, anime figures, and other prizes. I don’t think you’ll find another place with more claw machines than this place locally. www.kawaiiklawsco.com/ventura 820-202-1839

Kawaii Klaws at the Pacific View Mall

Lazertag Extreme at 591 Country Club Drive in Simi Valley has over 35 arcade and redemption games, including Lane Master, air hockey, claw machines, and much more, not to mention laser tag of course and its 300 sq ft Pixel interactive light arena. www.lazertagextreme.com 805-577-8400

Golf N’ Stuff Ventura at 5555 Walker Street boasts a large arcade with nearly 100 games, including plenty of redemption games, video games, air hockey, claw machines, skeeball, and more. Always a favorite with the kids, and of course they have two 18-hole mini golf courses, go karts, bumper cars, and bumper boats. www.golfnstuff.com/ventura 805-644-7131

Arcade Palace on the second level (near Target) of the Pacific View Mall in Ventura contains around 30 games, include video games, bowling, a pool table, and air hockey. www.shoppacificview.com/Directory/Details/865936 805-982-0218

Arcade Palace at the Pacific View Mall

Round1 Bowling & Arcade is coming soon to the Pacific View Mall, 3301 E. Main Street, Ventura. Stay tuned. www.round1usa.com

Harley’s Bowl locations in East Simi Valley, West Simi Valley and Camarillo have arcades with 30 to 40 games, including redemption games, air hockey, retro games, and more. Visit www.harleysbowl.com for more information.

Big Z Family Fun Center at 2425 Stearns Street in Simi Valley has an arcade with redemption games, rides for little ones, classic and modern video games, hoops, and skee ball. www.bigzsimi.com 805-526-3000

Buena Lanes at 1788 Mesa Verde Avenue in Ventura has an arcade with newer video games, claw machines, shooting games, and air hockey. The sports bar has a pool table and dart machines. www.buenalanes.com 805-677-7770

The Loose Cannon at Ventura Harbor Village, 1583 Spinnaker Drive, Ventura is a waterfront bar, arcade and eatery that hosts over 20 classic and modern arcade games, claw machines and virtual reality games. www.theloosecannonventura.com 805-350-2728

Skating Plus at 1720 Mesa Verde Ave in Ventura has an arcade with video games and redemption games. skatingplus.com 805-644-2121

Lucky Strike Moorpark bowling lanes at 706 East Los Angeles Avenue offers a large arcade with over 60 video games, redemption games, claw machines, ride games, air hockey, and more. www.luckystrikeent.com/location/lucky-strike-moorpark 805-222-3757

999 Pizza at 1980 Ventura Blvd in Camarillo opened in 2025 that also has an arcade with video games, redemption games, and more. In addition to pizza, you’ll find a tiki bar here! 999pizza.com 626-999-2535

Skyzone locations at Janss Marketplace in Thousand Oaks and 2825 Johnson Drive in Ventura both have arcades. www.skyzone.com

Joystick Arcade at The Oaks mall in Thousand Oaks is located on the first level, near JC Penney. Video games, skill games, claw machines, and more. joystickarcades.com

The History of Lake Sherwood

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Lake Sherwood as seen from the Sandstone Peak trail in the Santa Monica Mountains.

Lake Sherwood as seen from the Sandstone Peak trail in the Santa Monica Mountains.

Lake Sherwood is an unincorporated community of about 1,500 residents in Ventura County overlooking the Lake Sherwood reservoir. It is south of Thousand Oaks and west of Westlake Village, off of Potrero Road,  accessible via Westlake Boulevard on the east and Wendy Drive and Reino Road in Newbury Park on the west.

For centuries, the Conejo Valley was inhabited by the Chumash. The Spanish came into the picture in the late 18th century and, when passing through what is now Hidden Valley, named the area the Potrero Valley.

The Potrero Valley was part of the original 48,761 acres constituting Rancho El Conejo. After California became the 31st state in 1850, a land commission was appointed to determine who owned land grants in the area.

Rancho El Conejo was sold in 1872 to John Edwards and Howard Mills. Mills received 22,240 acres that included the Potrero Valley in 1874. Mills sold the southeastern 8,476 acres to Joseph and Isabell McLaren Howard in 1875.

Photo of the Howard Ranch in the 1880s. The Howard residence was near where Triunfo Park is today in Westlake Village. (Courtesy of Conejo Through the Lens Collection; Thousand Oaks Library Special Collections.)

Photo of the Howard Ranch in the 1880s. The Howard residence was near where Triunfo Park is today in Westlake Village. (Courtesy of Conejo Through the Lens Collection; Thousand Oaks Library Special Collections.)

In 1888, the Howards sold the land to the Banning Company of Long Beach. In 1896, W. H. Matthiessen bought the Potrero Ranch from Banning. Then in 1904, Matthiessen built a 45 foot dam (originally called Alturas Dam) that created Potrero Lake (also referred to as Lake Matthiessen). Total capacity of the 156 acre lake, which today is called Lake Sherwood, is 877 million gallons of water.

In the early 1920s, the area around the lake was transformed into Sherwood Forest for the filming of Robin Hood, featuring Douglas Fairbanks. And of course that's where the name Lake Sherwood originated.

Meanwhile, W. H.'s son F. W. "Christy" Matthiessen married Elsie Mack in 1917. The couple made plans to develop the surrounding area as the Las Turas Lake Club in the 1920s. Except...they divorced in 1925, with Elsie receiving the portion of the ranch with the lake.

Elsie remarried. Her new husband's name was James Canterbury and briefly the lake became Lake Canterbury. After the stock market crash of 1929, the Canterburys sold the property to William Randolph Hearst. Hearst allowed the property to be used for filming of many films, including the 1938 The Adventures of Robin Hood.

In 1963, Dayton Realty purchased the lake and surrounding property. Dayton wanted to rezone the land to develop nearly 1,400 homes and commercial properties. This plan was fought off by local residents and rejected by the Ventura County Board of Supervisors.

From late 1983 to summer 1984, Dayton drained the lake, indicating that it needed to test the dam...which never happened...then never refilled the lake, leaving thousands of fish stranded and left to die in the mud. (Photo of draining of lake in January 1984)

Lake Sherwood was made available to the public after the depression of the 1930s until the lake was emptied in 1984.

A view of Lake Sherwood from the north off of Lake Sherwood Drive.

A view of Lake Sherwood from the north off of Lake Sherwood Drive.

In 1985, billionaire businessman David Murdock bought the dry Lake Sherwood lake bed and surrounding property.  His Ventura Farms and Lake Sherwood Ranch are located on the old F. W. Matthiessen property in Hidden Valley.

In 1986, heavy rains filled Lake Sherwood back up, though it would take many years for the lake to regain the wildlife it lost after it was emptied.

Murdock developed the community with over 650 homes in three gated neighborhoods along with the Sherwood Country Club and Sherwood Lake Club. The lake is now privately owned and is not open to the general public. Murdock passed away at the age of 102 on June 9, 2025.

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

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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.