About OnlineAdviser service
OnlineAdviser service was established in 1997 by Freedom Benefits
Association to help answer individual
questions about employee benefits.
Since then the service was expanded to serve a wider range
of consumer finance questions. OnlineAdviser has responded
than 50,000 user inquiries from every part of the U.S.
through the Freedom Benefits network and of about 40 other Web sites that handle online financial transactions.
A parallel service called
was established in 2010 to
provide a similar independent service to the users of the
various state and federal insurance exchanges.
OnlineAdviser is the project of
Tony Novak, an accountant
based in Philadelphia. Novak is the founder of Freedom
Benefits and was the developer of MedSave, one of the
nation's first online health insurance exchanges and was
recognized as an authority in the development of Health
Savings Accounts and consumer-driven benefit plans. Novak
has been a consumer finance advocate and an active speaker/writer for more than 25 years.
Novak is the primary adviser on this Web site but others
during periods of peak demand. The other advisers are typically volunteers employed in the
financial service industry or a health care profession; their contributions are