Professional Background
David M. Chen is a Certified Public Accountant and an IRS Enrolled Agent with twelve years of tax practice focused on dividend income, multi-state tax planning, and retirement distribution strategy for US investors. He works with individual investors, pre-retirees, and high-net-worth families to minimize avoidable tax drag on portfolio income — the same problems this site's calculators are built to solve.
He created and personally reviews the methodology behind every tool on DividendYieldCalc.com so that everyday investors get the same clarity his paying clients receive: explicit brackets, named forms, and honest caveats rather than rounded-off guesses.
Editorial & Review Standards
Every calculator on this site was built from the actual IRS worksheets and statutes, then checked against the official forms (Form 1040, Form 1099-DIV, Form 8960 for the NIIT). Every blog post and state guide passes a technical review before publication and carries a dateModified field so you can see it is actively maintained. Where a figure is illustrative rather than the official published number, we say so inline — we never present an estimate as a statutory rate.
Why This Matters for You
Dividend and tax content is what Google classifies as “Your Money or Your Life” (YMYL): inaccurate guidance can cost real money. That is exactly why a named, licensed professional stands behind the numbers instead of an anonymous publisher. If a page helps you avoid a single avoidable penalty, the review process has paid for itself.
Connect
If your situation is complex — concentrated positions, residency changes, or six-figure dividend income — the calculators here are a starting point, not a substitute for personalized advice. Reach the team through the contact page, or explore the calculators and the blog to go deeper. You can also read more about the site's mission on the about page.
Credentials & Professional Standing
- Licensed Certified Public Accountant (CPA) in the United States.
- IRS Enrolled Agent (EA) — federally authorized to represent taxpayers before the IRS.
- Twelve years advising on dividend income, qualified-vs-ordinary classification, and the 3.8% NIIT.
- Active multi-state practice covering residency changes, asset location, and retirement distribution planning.
How the Calculators Are Built
Each tool is a transparent, client-side calculator: your inputs never leave the browser, and every formula is documented in the article that accompanies the calculator. Nothing is hidden behind a black box, and no result is rounded in a way that changes your tax outcome. That transparency is the point — you should be able to check the math yourself, and confirm the cited IRS form before you file.
Last editorial review of this profile: June 2026.