Tony Novak 800-609-0683
a passionate advocate for small business success
Alphabetical Listing of Articles
Click here for a topical listing of articles
10 unconventional tips for replacing health insurance coverage
18 things small businesses must know about Health Reimbursement Arrangements
21 reasons to love health savings accounts
3 approaches to small business accounting
4 Things you should know about your income tax return
412(i) self-employed pension plans
412(i) pension plan suitability
7 things you should know about short term medical insurance
Accountant's checklist when a client or family member faces imminent death
Accountant's Permanent File (What is an)
Accounting problems with small business HRAs
Act now for year end tax planning
Alternatives to health savings accounts
Another obstacle for health savings accounts, Rev. Rul. 2004-45
Are small businesses required to have written employee benefit plan documents?
Assurant health savings account setup
Availability of "Basic Health Insurance"
Bank of America as an investment custodian
Books that most influenced my life
Calculating the real value of insurance
Case study on how not to handle a COBRA notification
Celtic Insurance preferred risk rates
Changes to short term medical insurance
Changing jobs: what you need to know about your employee benefits
Changing role of small business HRAs, (The)
Choosing a financial adviser (the Wall Street Journal version)
Comparing child only health insurance
Comparing health discount plans
Comparing health insurance policies
Comparing orthodontic insurance with discount dental plans
Comparing short term medical insurance policies
Consumer driven health plans for small businesses
Consumer-driven health plans provide an opportunity for opticians
Controlling the cost of divorce
Curing Americans without health insurance
Debit card problems in small business health insurance
Debunking the myths of peaceful divorce strategies
Dental insurance vs. dental discount plans
Design tips for consumer driven health plans
Developing a personal investment policy
Diabetic health insurance coverage update
Discrimination testing in small business health plans
Does my doctor accept this insurance?
Don't qualify for a health savings account?
Comparing discount prescription drug cards
Early signs of trouble for health savings accounts
Eight common financial mistakes in divorce
Eight factors that determine the success of health reform transition in a small business
Eight things you should know about short term medical insurance
The evolution of individual health insurance
Fee-only vs. Fee-based financial planning: which is best for me?
Financial coaching during a divorce
Financial planning checklist for unmarried couples
Financial planning for families with special needs children
Financial planning for young lawyers
Financial service highlights for 2007
Finding health insurance to cover pre-existing medical conditions
The future of consumer-driven health plans
Going without health insurance
Getting started with health savings accounts
"I don't have health insurance"
Individual health insurance cost-cutting strategies
Insurance companies on the exchange
Health insurance for diabetics
Health insurance for overweight applicants
Health insurance for special situations
Health insurance for young entrepreneurs
Health insurance options for graduating students
Health insurance options for small businesses
Health insurance statistics for small businesses
Health plan rules for small businesses
Health Savings Account enrollment problems
Health Savings Accounts are officially recognized as a tax break for the rich
Health Savings Accounts after the first three months
Health Savings Accounts after the 2004 elections
Health Savings Account limits for 2005
Health Savings Account limits for 2013
Health Savings Account problems after the first year
health Savings Accounts offer generous benefits
Holistic approach to small business benefit plans
How can I get good benefit plan documents for my small business?
How do employee benefit plan documents benefit me?
How do I get employee benefit plan documents for my small business?
How to break up a group health insurance plan
How to avoid 4980D excise taxes in small business health plans
How to establish separate employee bank accounts in a small business HRA plan
How to improve small business 401(k) plans
How to start a Health Savings Account
How to start a small business 401(k) plan
HRA plan design approved by IRS
HRA plan helps owner/employees
HRA plans for small businesses
HRA vs. HSA: Which is best for me?
The inside scoop on Health Savings Accounts
Income tax filing changes for the Affordable Care Act (press release)
International medical insurance improvements
Introduction to executive benefits for small businesses
Investment strategies for small business pension plans
IRAs and the retirement income myth
IRS approves new HRA plan design
Is the insurance policy enough to serve as the small business employee benefit plan document?
Know your health insurance options
Maine mishandles taxation of health care
Mechanics of a personal financial plan
Medical savings accounts end in 2003
MSAs, HRAs and HSAs: which health plan is right for my small business
New strategies for reducing health costs
New warnings about fraudulent health plans
Not your father's bean counter
One small business tackles the national health insurance crisis
Outsmart rising interest rates with an assumable mortgage
Pension plan design and contribution calculation example
Pension plans for small businesses
Positive trends in children's health insurance
Preferred risk health insurance
Primer on 412(i) pension plans
Professional wealth management services
The quiet problem of life insurance omission
Rationing of free health care proves effective in reducing the number of uninsured
Review of Intuit 'Easy Estimate'
Sample letter of instruction for estate planning
Select short term medical insurance review
Shakeup in small business accounting
Short term health insurance in New York state
Short term medical insurance for special situations
Short term medical insurance survey
Simple cafeteria plans for small businesses
Six strategies in the search for affordable health insurance
Small business employee benefit plan documents
Small business health plans in 2015
Small businesses and non-profits will ditch Facebook
Small businesses may now make IRA deposits for employees
Starting a small business 401(k)
Starting a one person pension plan
Step by step guide to replacing group health insurance when changing jobs
Strategies for reducing small business health insurance costs
Student medical insurance tips
Tax opportunities with pension plans, 2004
Tax planning opportunities for small business owners in 2012
Tax problems surface with medical savings accounts
Tax risks of small business employee benefit plans
Tax tips for individual life insurance
Tax update for consumer driven health plans
Taxation of health insurance benefits
Ten common mistakes of mutual fund investors
Ten things you should know about short term medical insurance after ACA
Ten tips for writing a strong business plan
The problem with the "independent third party substantiation" regulation
Third party health plan claim validation
Top 10 tax risks for small businesses
Top 10 things small businesses will love about the new QuickBooks
Top ten scams in consumer finance
Top ten tax savings opportunities
Transparency in financial service fees
Trends in children's health insurance
Troubleshooting checklist for family limited partnerships
Twelve signs that you have outgrown your financial adviser
Twelve ways to get more from your short term medical insurance
Twenty five reasons that small businesses choose health reimbursement arrangements (HRAs)
Twenty reasons I like medical savings accounts
Two page / 30 minute business plan template
Uncommon advice on starting a business
Understanding a 'Certificate of Creditable Coverage'
Understanding 'Basic Health Insurance'
Understanding home office deductions
Update on 412(i) pension plans for 2004
Update on split dollar life insurance
Validating small business health care claims
What are the risks if I do not have an employee benefit plan documents?
What you should know about private placement limited partnership investments
When using QuickBooks is a no-brainer
Consumer finance articles now available for reproduction
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introductory video: 0:45
I am pleased to announce the completion of a project that makes more than 160 updated and republished articles available for public use. The articles cover a wide range of financial planning and consumer finance topics and were written between 1982 and 2006.
The revisions are published in HTML5 format that is suitable for display on mobile Web browsers. Supplementary video content will be added soon.
The articles are available for republication in their entirety without charge after obtaining the express written permission of the author. Please e-mail a request to the author that includes the name of the requestor (individual and corporate) and the intended destination of publication.
Opinions expressed are the solely those of the author and do not represent the position of any other person, company or entity mentioned in the article. Information is from sources believed to be reliable but cannot be guaranteed. Any accounting, business or tax advice contained in this communication, including attachments and enclosures, is not intended as a thorough, in-depth analysis of specific issues or a substitute for a formal opinion, nor is it sufficient to avoid tax-related penalties. Tony Novak operates as an independent adviser under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator" but is not a representative, agent, broker, producer or navigator for any securities broker dealer firm, federal or state health insurance marketplace or qualified health plan carrier. He has no financial position in any stocks mentioned. Novak does work as an accountant, agent, adviser, writer, consultant, marketer, reviewer, endorser, producer, lead generator or referrer to other companies including the companies listed in the articles on this web site.
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