ID Team


Bill Valone, Vice President

Working exclusively with independent advisors, Bill’s primary focus is to help advisors better understand the value of insurance within a financial plan. He provides expert guidance on Life Insurance, Disability, Long Term Care, and Annuities.

Prior to joining Insurance Decisions, he was Vice Present at W.J. Valone Agency and was responsible for developing long term retirement plans and helping clients advocate for their families by reviewing current and future insurance needs.  Bill started his career with New England Financial.

Bill holds his Series 6, 7, and 63 as well as his Life and Health license and is certified in the New York State Long Term Care Partnership Program. He holds a Master's Degree in Finance and Marketing from Wagner College.

In his spare time, Bill surfs, hikes and competes in triathlons.  He is also an Eagle Scout.

Kristen Novak, Planning Associate

As the Planning Associate for Insurance Decisions, Kristen supports the firm’s efforts of providing insurance expertise to RIAs and Independent advisors. Kristen provides support for all client engagements, back end policy analysis and directly oversees underwriting and servicing for all clients. She is exceptional in customer service and adds depth to Insurance Decisions’ innovative business strategy.

Prior to joining Insurance Decisions, Kristen followed her family’s legacy of financial planning and accounting by way of the insurance industry. As an agent, she learned the importance of insurance and the in-depth analysis needed to provide insurance to individuals.  After graduating from Hofstra University, she spent time in the real estate industry where she focused on marketing, advertising and business development, before coming back to insurance full-time.

Kristen is an active member of her community through her volunteer work with New York Cares. She holds her Life and Health License and is pursuing her Series 7.