Biography

Career

2010-current, Founder and principal of the Freedom Benefits Insurance Exchange that provides marketing support for larger insurance enrollers

2006 only - Founder of Wealth Management that produced content to multi-media publishers for continuing professional education programs

1998-current, Principal of OnlineAdviser that provides direct-to-consumer endorsements, transactional assurance and user support for Web-based retail finance transactions

1995-2008 Founder and former principal of MedSave.com, a first generation insurance exchange

1986-1987 Account Executive with Drexel Burnham Lambert in Jenkintown, PA, focusing on pension plan sales to self-employed individuals and small business owners

1985-1986 Pension Accountant with Pension Plan Services Inc. in Philadelphia, PA , preparing financial statements for IRS Form 5500 filings

Education

Masters in Taxation (MT) from Villanova Law School, 1995 with a focus of study in compensation planning

Master in Business Administration (MBA) from Temple University, 1985 with a focus of study on finance and accounting particularly related to portfolio management

Bachelor of Science Degree from Delaware Valley College, 1982. Served as resident dormitory adviser, editor of the student newspaper and an Academic All-American

Methacton High School, Fairview Village, PA 1978. National Honor Society

Licenses, Registrations, Certifications

Candidate for Certified Public Accountant in New Jersey. Examination completed; anticipated certification in 2012

Registered Investment Adviser with the Securities Exchange Commission in 1983-1997, Commonwealth of Pennsylvania in 1985-1998, and the State of New Jersey 2002-2007. Anticipated reinstatement in 2012

Certified Quickooks ProAdvisor 2006. Anticipated recertification in 2012

Licensed life, accident & health insurance agent in all states and the District of Columbia, varying start dates, all licenses are current

National Association of Securities Dealers licensing certification for series 3, 6, 7, 15, 22, 26, 63, 65, encompassing licensing for securities, stocks, bonds, mutual funds, options, commodities and foreign currency options

Completed IRS administered course on individual income tax preparation 1995

Management

Recruited and trained more than 25 independent agents as producers for Fortis Financial Group 1993-1995 building agency premium volume approaching $1 million in 1995

Operated an independent financial planning office with a staff of 2-4 from 1987 through 2001 focusing on employee benefits for building contractors

Teaching

Instructor for "Current Events in Employee Benefits" a professional continuing education course offered through a non-profit affiliate organization. The course was approved for CE credits in Pennsylvania for accountants, attorneys and financial planners, 1997-2000

Former adjunct faculty at Delaware Valley College teaching financial planning and professional continuing education programs

Host of public radio show featuring call-in questions on various financial planning topics; host or guest on various Internet Web-casts including a featured interview by "Financial Planning Online” in 2000

Publications

"Health Savings Accounts: How to Implement and Administer an HSA in Your Organization", National Seminars Group/ Padgett-Thompson, 2006

"Employer's Guide to Health Reimbursement Arrangements", 2004, 2005,2006, self-published

"Small Business Owners Guide to Employee Benefit Plans" 1986, self-published

Writer and Publisher of "Novak's Money Minute" (2006), "OnlineAdviser Topics" (2003-2006), and "State Street Journal" (1987-1996). These Web publications and e-mail subscriptions are read by financial professionals and consumers with an interest in financial planning topics

A contributor to dozens of business and tax-related publications including NY Enterprise Report, Insight into 90's Living, Life Insurance Magazine, Financial Planning Magazine, Opticourier, Life Association News and others

Internet-based Activity

Former discussion host for AdvisorMax.com, an industry-leading service for professional financial advisers

Volunteer adviser for OnlineAdviser and Allexperts.com providing advice in tax and benefits law issues to the public, 1998-2004

Former discussion moderator at "Financial Planning Interactive" 1997-2006, the nation's largest online resource for financial planners at www.financial-planning.com published by Securities Data Publishing Inc., NY, a division of Thompson Publishing

Family

Married with two children and four step-children ranging in age from 14 to 23

Advocacy and Activities

Founder and executive of BaySave Foundation, a privately-funded environmental advocacy project based in Newport NJ

Member of Sustainable Business Network of Greater Philadelphia

Member of Toastmasters International

Member of the Rotary Club of Ardmore, Youth Programs Liaison

Member of the New Jersey Society of Certified Public Accountants, Candidate classification

Accredited business member of the Greater Philadelphia Better Business Bureau.

Member of America's Health Insurance Plans

Member of the Brain Injury Association of New Jersey.

Former Board Member of the Somers Point Jazz Society, founding co-chairman of "Brown Bag It with the Arts" for the Central Bucks Chamber of Commerce and a "Producer" level sponsor for WXPN

Former discussion group facilitator for a community-based support group for religious discussions interfaith couples hosted by the United Association of Associated Hebrew Congregations

Past President of the Bucks/Mont Chapter of the National Association of Remodeling Industry (NARI)

Former coach of the Main Line Wrestling Club, Warrington A.A.U. Wrestling Club and Upper Merion Wrestling Club. Former assistant coach at Delaware Valley College, Central Bucks High School, Archbishop Wood High School and Friends Central High School

Organizer of the Money Island Property Owners Association

Hobbies include gardening, bicycling, and cooking

Tony Novak, age 51, splits his time between Philadelphia and the southwest New Jersey bay shore; married with two teenage children and four step-children. Trained in tax & compensation planning; works for a number of consumer finance and environmental advocacy projects and is an active supporter of local music & youth programs.