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Dos and Don’ts for Small Business Health Plans
by Tony Novak, CPA, MBA, MTRevised July 2026 Small business health plans are subject to regulation by the Internal Revenue Service, the U.S. Department of Labor and state insurance departments. The Affordable Care Act enacted in 2010 and fully implemented by 2017 established comprehensive health plan requirements that remain in effect. This article does not…
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You Can’t Control the CPI. You Can Control Your Tax Bill.
Every inflation headline this year tells you what you already know. Energy costs are up nearly 16 percent over the past twelve months. Housing keeps climbing. Grocery prices never came back down from their post-2020 run, and a $100 grocery trip from early 2020 now costs about $132. Overall inflation, as measured by the Consumer…
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Online Privacy Counterintelligence: Threat Modeling and Resilience Planning
This week brought a series of wins for online privacy advocates across local, state, national, and international headlines. Those victories are worth recognizing. But my own approach starts from a different premise. I assume that online privacy, as most people imagine it, is largely an illusion. Whatever protections exist are limited, temporary, and often outpaced…