David Han & KoruVest Editorial Standards
Who writes KoruVest—and how we check financial information
KoruVest articles are published under David Han’s byline. This page explains the experience that informs our work, the sources we rely on, how cross-border claims are checked, and how we handle comparisons, updates, and corrections.
About David Han
David Han is the lead author of KoruVest. He writes and edits guides about U.S. financial accounts, investing, tax-related rules, retirement accounts, credit, and cross-border financial decisions for international readers.
The editorial perspective behind KoruVest is informed by professional experience in management consulting, corporate finance, accounting and taxation, and international business. That background shapes how we approach a topic: identify the rule, separate the facts that change the answer, verify material claims, and explain the practical consequence without pretending that a general article can replace individualized professional advice.
The distinctions we check first
Cross-border finance becomes misleading when different legal or operational concepts are treated as though they mean the same thing. When relevant, we check these separately:
- Citizenship — whether a reader is a U.S. citizen or a citizen of another country.
- Immigration status — for example, F-1 or H-1B status.
- U.S. tax residency — including rules that may classify someone as a resident or nonresident alien for federal tax purposes.
- Physical residence — where the person actually lives, which may matter for account availability and institution policy.
- Provider eligibility — the separate rules a bank, broker, or financial institution applies to its own customers.
- Product and reporting rules — which can create additional requirements even after account eligibility is established.
How a KoruVest article is researched
STEP 1
Define the exact question
We identify who the rule applies to, what decision the reader is actually making, and which facts could produce a different answer.
STEP 2
Start with primary sources
For material claims we prioritize the IRS, SEC and Investor.gov, FINRA, FDIC, U.S. Treasury, SSA, USCIS, Department of Labor, statutes or regulations when useful, and official financial-institution documents.
STEP 3
Verify the material claims
Tax rates, thresholds, eligibility rules, deadlines, account restrictions, fees, and regulatory statements are checked against the underlying source rather than copied from another summary article.
STEP 4
Add the decision layer
Where useful, we add worked examples, comparisons, decision points, or simple calculations to show why the verified rule matters in a realistic situation.
Our source hierarchy
Not every source carries the same weight. For claims that can affect a reader’s financial or tax decision, KoruVest generally prefers the most direct available source.
- Primary government or regulatory material — official guidance, forms, publications, regulations, and agency pages.
- Official financial-institution documents — fee schedules, account agreements, eligibility pages, disclosures, and product documentation.
- High-quality secondary sources — used mainly for context or to identify issues that are then checked against primary material where feasible.
Sources are included because they support specific claims, not simply to make an article appear authoritative.
How we handle product comparisons
A research-based comparison is not the same as a hands-on product review. When an article compares brokerages, savings accounts, investing platforms, or other financial products using published information, we rely on criteria such as eligibility, fees, account minimums, available features, official restrictions, and relevant disclosures.
If we have not personally tested a product or account feature, we do not present published-document research as first-hand testing. A product should not be described as “best” solely because it pays compensation or participates in an affiliate program.
Product terms can change. Readers should confirm current eligibility, pricing, rates, and account terms with the provider before acting.
Updates and corrections
Financial rules and provider policies change. Articles are reviewed when we identify a material change to a rule, threshold, rate, product policy, or other fact that affects the article’s conclusion. Significant errors are corrected rather than left in place simply because an article has already been published.
Where timing matters, articles may state when important primary sources were reviewed. Readers can report a possible error or outdated source through our Contact page.
Editorial independence
Advertisers, sponsors, and commercial partners do not determine KoruVest’s factual conclusions. If an article includes an affiliate or other commercial relationship, that relationship should be disclosed where relevant.
Compensation does not replace the research criteria described on this page and should not determine which conclusion a comparison reaches.
Scope and responsibility
KoruVest provides general educational information. Articles cannot account for every reader’s tax, legal, immigration, investment, or financial circumstances. When a decision depends on facts specific to you, an appropriately qualified professional may be necessary.
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