Novak
Tax and AcountingTony Novak, CPA, MBA, MT "The Online Accountant"
(610) 572-1724 onlineadviser@live.com
Topical List of Articles
Click here for an alphabetical listing of articles
401(k)
How to improve small business 401(k) plans
How to start a small business 401(k) plan
Accounting
Accounting problems with small business HRAs
How long should I keep tax records?
Not your father's bean counter
What is an Accountant's Permanent File?
Consumer protection
New warnings about fraudulent health plans
Top ten scams in consumer finance
Transparency in financial service fees
Diabetes
Diabetic health insurance coverage update
Health insurance for diabetics
Divorce
Controlling the cost of divorce
Debunking the myths of peaceful divorce strategies
Eight common financial mistakes in divorce
Financial coaching during a divorce
Introducing Uncoupling.net (obsolete)
Dental plans
Comparing orthodontic insurance with discount dental plans
Dental insurance vs. dental discount plans
Employee Benefits
Accounting problems with small business HRAs
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?
Case study on how not to handle a COBRA notification
Consumer driven health plans for small businesses
Debit card problems in small business health insurance
Design tips for consumer driven health plans
Discrimination testing in small business health plans
Eight factors that determine the success of health reform transition in a small business
Is the insurance policy enough to serve as the small business employee benefit plan document?
The future of consumer-driven health plans
Health insurance options for small businesses
Health insurance statistics for small businesses
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 establish separate employee bank accounts in a small business HRA plan
How to improve small business 401(k) plans
HRA plan design approved by IRS
HRA plan helps owner/employees
HRA plans for small businesses
HRA vs. HSA: Which is best for me?
IRS approves new HRA plan design
MSAs, HRAs and HSAs: which health plan is right for my small business
New strategies for reducing health costs
Simple cafeteria plans for small businesses
Small business employee benefit plan documents
Small business health plans in 2015
Small businesses may now make IRA deposits for employees
Starting a small business 401(k)
Tax risks of small business employee benefit plans
Step by step guide to replacing group health insurance when changing jobs
Strategies for reducing small business health insurance costs
The problem with the "independent third party substantiation" regulation
Third party health plan claim validation
Twenty five reasons that small businesses choose health reimbursement arrangements (HRAs)
Update on 412(i) pension plans for 2004
Validating small business health care claims
What are the risks if I do not have an employee benefit plan documents?
Financial planning
Accountant's checklist when a client or family member faces imminent death
Changing jobs: what you need to know about your employee benefits
Choosing a financial adviser (the Wall Street Journal version)
Fee-only vs. Fee-based financial planning: which is best for me?
Financial planning checklist for unmarried couples
Financial planning for families with special needs children
Financial planning for young lawyers
Mechanics of a personal financial plan
Outsmart rising interest rates with an assumable mortgage
Professional wealth management services
Sample letter of instruction for estate planning
The quiet problem of life insurance omission
Troubleshooting checklist for family limited partnerships
Twelve signs that you have outgrown your financial adviser
Uncommon advice on starting a business
Health insurance for individuals and families
10 unconventional tips for replacing health insurance coverage
21 reasons to love health savings accounts
7 things you should know about short term medical insurance
Alternatives to health savings accounts
Assurant health savings account setup
Availability of "Basic Health Insurance"
Celtic Insurance preferred risk rates
Changes to short term medical insurance
Comparing child only health insurance
Comparing health discount plans
Comparing health insurance policies
Comparing short term medical insurance policies
Diabetic health insurance coverage update
Does my doctor accept this insurance?
Don't qualify for a health savings account?
Comparing discount prescription drug cards
Eight things you should know about short term medical insurance
The evolution of individual health insurance
Finding health insurance to cover pre-existing medical conditions
Going without health insurance
Getting started with health savings accounts
"I don't have health insurance"
Individual health insurance cost-cutting strategies
Health insurance for overweight applicants
Health insurance for special situations
Health insurance for young entrepreneurs
Health insurance options for graduating students
International medical insurance improvements
Know your health insurance options
New warnings about fraudulent health plans
One small business tackles the national health insurance crisis
Positive trends in children's health insurance
Preferred risk health insurance
Rationing of free health care proves effective in reducing the number of uninsured
Select short term medical insurance review
Six strategies in the search for affordable health insurance
Short term health insurance in New York state
Short term medical insurance for special situations
Short term medical insurance survey
Student medical insurance tips
Ten things you should know about short term medical insurance after ACA
Trends in children's health insurance
Twelve ways to get more from your short term medical insurance
Twenty reasons I like medical savings accounts
Understanding a 'Certificate of Creditable Coverage'
Understanding 'Basic Health Insurance'
Which short term medical insurance is best for me?
Health Savings Accounts
Don't qualify for a health savings account?
Early signs of trouble for health savings accounts
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
Heath Savings Accounts offer generous benefits
How to start a Health Savings Account
The inside scoop on Health Savings Accounts
Insurance
Calculating the real value of insurance
Insurance companies on the exchange
Update on split dollar life insurance
Investment
Bank of America as an investment custodian
Developing a personal investment policy
Investment strategies for small business pension plans
Ten common mistakes of mutual fund investors
What you should know about private placement limited partnership investments
Other / Miscellaneous
Books that most influenced my life
Curing Americans without health insurance
Financial service highlights for 2007
Maine mishandles taxation of health care
Medical savings accounts end in 2003
Review of Intuit 'Easy Estimate'
Ten tips for writing a strong business plan
Retirement planning
412(i) self-employed pension plans
412(i) pension plan suitability
Bank of America as an investment custodian
IRAs and the retirement income myth
Small businesses may now make IRA deposits for employees
Self-employed
412(i) self-employed pension plans
412(i) pension plan suitability
Pension plan design and contribution calculation example
Primer on 412(i) pension plans
Small business health plans in 2015
Small businesses may now make IRA deposits for employees
Starting a one person pension plan
Taxes
Act now for year end tax planning
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 update for consumer driven health plans
Taxation of health insurance benefits
Top ten tax savings opportunities
Understanding home office deductions
Vision coverage
Consumer-driven health plans provide an opportunity for opticians
Consumer finance articles now available for reproduction
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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.
This Web site is independently owned Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not a
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may act as and be compensated as an accountant, agent, adviser, writer, consultant, marketer, reviewer, endorser, producer, lead generator or referrer to the companies listed on this site or
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