About Me

 

About Daniel C's Blog

Why this site exists

Most financial and Medicare information on the internet is written by people who don't hold the licenses they're writing about. This site is the opposite of that.

I'm Daniel C — a licensed Certified Public Accountant (CPA), a licensed Insurance Broker operating in the United States. I write about the financial and practical decisions Americans face after age 60: Medicare, Social Security, retirement-account taxes, senior insurance.

Every article on this site is reviewed against primary sources from CMS.gov, SSA.gov, and IRS.gov before publication. Every figure is updated for the current year. Every recommendation comes from someone who would have to defend it in front of a licensing board.

My two credentials, and why they matter on this site

Certified Public Accountant (CPA) — I am licensed to practice public accounting in the United States. On this site, this credential drives the articles about Roth conversions, RMD planning, IRMAA strategy, retirement-account taxation, estate planning checklists, and the U.S. tax obligations of Americans living abroad.

Licensed Insurance Broker — I hold an active insurance broker license, including health and life lines, which lets me write authoritatively about Medicare Supplement and Medicare Advantage plans, long-term care insurance, final expense life insurance, and senior travel medical insurance. As a broker, I see the same plans dozens of carriers offer side by side, which is the perspective most senior-targeted content lacks.

What I write about (and what I don't)

I write about:

• 2026 Medicare changes — premiums, IRMAA, drug pricing, plan selection
• Social Security claiming strategy and the annual COLA
• Retirement income taxation, Roth conversions, RMDs
• Senior insurance — Medigap, Medicare Advantage, long-term care, final expense, travel medical
• Estate planning fundamentals for the 60-and-over reader
• Overseas retirement logistics — visas, taxes, shipping, healthcare
• Senior product reviews when I or my immediate family have used the product
• Book reviews
• Travel, restaurant
• Credit card comparison

I don't write about:

• Personalized investment picks or "buy this stock" calls
• Anything I haven't verified against a primary regulatory or statutory source
• Topics outside my license areas dressed up as expertise

My editorial standard

1. Every Medicare and tax article cites CMS, SSA, or IRS within the first 300 words.
2. Every figure carries a year. "2026 Medicare Part B premium is $202.90" — not "Part B premium is $202.90."
3. Every article is updated at least once per calendar year, and the Reviewed date at the top of the article reflects the most recent pass.
4. Every product recommendation discloses whether the link is an affiliate link.
5. Nothing on this site is personalized advice for your specific situation. Read the Disclaimer page for the full statement.

How to reach me

For general questions, comments, or corrections — Dchun2022@gmail.com

For business inquiries — sponsorship, partnership, advisory — send a clear one-paragraph description to the email on the Contact page. I read everything but only respond to specific, well-formed requests.

Important notice

This site is both educational and recreational. I am a licensed CPA and insurance broker, but I am not your CPA or your insurance agent unless you have separately engaged me in writing and I have confirmed I am licensed in your state. No content on this site creates a professional advisor relationship. For decisions specific to your situation, consult a licensed professional in your state — and please do consult one. The cost of a one-hour CPA or broker review is almost always less than the cost of the mistake you'd make without it.