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About us · We Speak Veteran®

About Veterans Advantage Financial®

We’re a licensed insurance agency that helps veterans, military retirees and their families understand Medicare, and how it works with VA health care, TRICARE For Life and CHAMPVA. We work by phone with clients across the country.

Founded by Christopher Duncan, who has helped people with Medicare since 2006.

Call 888-960-VETS Book a call

Updated

Christopher Duncan with his dad, Wallace, and Staci in front of the Welcome to Las Vegas sign
Christopher with his dad, Wallace, a Vietnam-era veteran, and Staci in Las Vegas.
Since 2006Christopher helping people with Medicare
All 50 stateslicensed insurance agency
5.0 on Trustpilot841 reviews (October 2026)
900+free YouTube videos
Our story

Why we work with veterans

Veterans Advantage Financial® was founded by Christopher Duncan. His father, Wallace Duncan, is a Vietnam-era veteran who has Medicare alongside his VA benefits.

Helping his dad sort out the VA, Medicare and everything in between showed Christopher a pattern he still sees every day: veterans often get Medicare advice built for civilians. That advice can overlook VA health care, TRICARE For Life, CHAMPVA and how a disability rating changes the picture.

That’s what We Speak Veteran® means. Our team learns your world, from VA priority groups to TRICARE For Life, so you don’t have to translate your situation for someone who’s never heard of it.

Medicare doesn’t replace your VA benefits. The two can work side by side, and we explain how before you make any decision.

Wallace Duncan outside the VA medical center in San Diego
Wallace Duncan, Christopher’s dad, outside the VA medical center in San Diego.

What we do

Education first. Then, if you want it, help choosing and enrolling in coverage.

Free Medicare education

Plain-language articles, a free book, a veterans Medicare FAQ and more than 900 YouTube videos, written for veterans and their families.

Browse articles →

VA, TRICARE and CHAMPVA coordination

How Medicare works alongside the benefits you already have, and what changes if you add a Medicare plan.

VA health care and Medicare →

Enrollment timing

Your Initial Enrollment Period, the Part B late enrollment penalty and Special Enrollment Periods, so you don’t miss a deadline.

Veterans Medicare FAQ →

Comparing plans in your county

Medicare Advantage, Medicare Supplement (Medigap) and Part D drug plans from the organizations we represent, side by side.

Book a call →

Enrollment and yearly reviews

If you choose a plan, we help you enroll. Plans can change every year, so we’re here when you want to review your coverage.

Call 888-960-VETS →

Retirement and life insurance

Christopher is a Retirement Income Certified Professional®. Medicare rules keep products like annuities out of Medicare appointments[1], so these are always a separate conversation.

How we work with you

A short phone call, at your pace. No obligation at any step.

  1. You call or book a time. Call 888-960-VETS (8387) or pick a time online.
  2. We agree on what to cover. Before discussing specific Medicare Advantage or Part D plans, Medicare requires a Scope of Appointment that records the topics you want to talk about[1]. It isn’t an enrollment form.
  3. We learn your situation. Your VA or TRICARE coverage, your doctors and pharmacy, your prescriptions, your budget and your health needs.
  4. We compare and explain. Before any enrollment, Medicare requires us to go over whether your doctors and pharmacy are in the plan’s network, whether your prescriptions are covered and what they cost, premiums, benefits and other costs[2]. We explain trade-offs like networks, prior authorization and copays in plain English.
  5. You decide. Keeping what you have is always an option. If you choose a plan, we help you enroll and stay available for questions.
Transparency

How we’re paid

You don’t pay us for our help. If you enroll in a plan through us, the insurance company pays us a commission. For Medicare Advantage plans, Medicare sets limits on what agents can be paid, and it bars charging people marketing consulting fees[2].

A Medicare Advantage plan’s premium and cost-sharing can’t vary among members of the same plan (or plan segment)[3], so working with an agent doesn’t change what you pay for that plan.

Who we represent

We do not offer every plan available in your area. Our national 2027 inventory includes 10 organizations and 3,836 products. The number available to you depends on your location and eligibility. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Medicare requires agencies that sell plans for more than one company to show this on their websites[4]. For free, unbiased one-on-one counseling, you can also contact your State Health Insurance Assistance Program[5].

Our team

When you call, you talk with a licensed agent. Ask any agent for their National Producer Number (NPN) and check it with NIPR[6].

  • Christopher Duncan

    Christopher Duncan

    Founder and designated responsible producer

    NPN 8613503

    Certified Medicare Insurance Planner™ and Retirement Income Certified Professional®. Licensed in all 50 states and Washington, DC.

    Read Christopher’s profile →
  • Jeffrey Clericuzio

    Jeffrey Clericuzio

    Licensed insurance agent

    NPN 8881406

  • Dana Fike

    Dana Fike

    Licensed insurance agent

    NPN 4575838

  • Colby Amerine

    Colby Amerine

    Licensed insurance agent

    NPN 18787763

  • Staci Fike

    Veterans Medicare Specialist

Licenses and credentials

Every license and designation below can be checked with the organization that issues it.

The agency

Licensed in all 50 states

Veterans Advantage Financial® is a Nevada-domiciled corporation licensed to sell insurance in all 50 states. Agency NPN 21076808.

See state license numbers →

Christopher Duncan

Designated responsible producer

NPN 8613503. Licensed in all 50 states and Washington, DC. Serves as the agency’s designated responsible producer in all licensed jurisdictions.

Verify with NIPR →

Professional designations

Earned by Christopher Duncan

Certified Medicare Insurance Planner™ (Society of Medicare Planners®) and Retirement Income Certified Professional® (The American College of Financial Services).

How to verify →

Professional designations are not issued or endorsed by Medicare, CMS or the federal government.

Editorial standards

How we create our content

Our articles and guides are published under Christopher Duncan’s name, and he’s responsible for what we publish. If something is presented as fact, it should point to its source.

  • Primary sources first. The Medicare & You handbook, Medicare.gov, CMS, VA.gov, TRICARE.mil, SSA.gov and federal regulations, with numbered citations.
  • Dated and updated. Pages show when they were last updated, and we revise them when yearly amounts or rules change.
  • Education, not personal advice. Your options and costs depend on your county, your plan and your benefits. Plan details come from each plan’s Summary of Benefits and Evidence of Coverage.
  • Tools we use. We use software tools, including AI, to help research, draft and check pages against the sources they cite.
  • Corrections. If something looks wrong or out of date, call 888-960-VETS and tell us. We’ll check it against the source and fix it.
What veterans say

5.0 TrustScore from 841 reviews

598 of those reviews were posted in the last 12 months. Rating shown as of October 11, 2026[7]. Reviews are the opinions of individual reviewers.

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Read reviews on Trustpilot Veteran testimonials →

Questions about us

Is Veterans Advantage Financial® part of the VA or Medicare?

No. Veterans Advantage Financial® is a private, licensed insurance agency. We are not connected with or endorsed by the U.S. Department of Veterans Affairs, Medicare, CMS, TRICARE, the Department of Defense or any other government agency.

Do you charge for your help?

No. You don’t pay us a fee. If you enroll in a plan through us, the insurance company pays us a commission. Medicare rules say people considering a Medicare Advantage plan can’t be charged marketing consulting fees[2].

Do you offer every Medicare plan in my area?

No. We do not offer every plan available in your area. For information on all of your options, contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227), or your local State Health Insurance Assistance Program (SHIP)[4][5].

Will a Medicare plan change my VA health care?

VA says, “Whether or not you have health insurance coverage doesn’t affect the VA health care benefits you can get,” and it encourages veterans to sign up for Medicare as soon as they can[8]. A Medicare plan has its own rules for networks, approvals and costs, so we walk through how the two work side by side. See VA health care and Medicare.

Can you help if I have TRICARE For Life?

Yes. TRICARE For Life requires Medicare Part A and Part B[9]. We explain how Medicare and TRICARE For Life work together and what changes if you consider a Medicare Advantage plan. See TRICARE For Life and Medicare.

Which states do you work in?

The agency is licensed to sell insurance in all 50 states, and Christopher Duncan is licensed in all 50 states and Washington, DC. We work with clients by phone, wherever they live.

How can I check your license?

Use the National Insurance Producer Registry with our agency NPN (21076808) or an agent’s own NPN, such as Christopher Duncan’s (8613503)[6]. State license numbers are listed on our licenses page.

Do I have to enroll if I call?

No. Calling or booking a time doesn’t obligate you to anything. Before we discuss specific Medicare Advantage or Part D plans, Medicare requires us to agree on and record a Scope of Appointment listing the topics you want to cover[1]. It isn’t an enrollment form.

Sources

  1. Electronic Code of Federal Regulations. 42 CFR 422.2264(c)(3), Personal marketing appointments and Scope of Appointment. ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V/section-422.2264
  2. Electronic Code of Federal Regulations. 42 CFR 422.2274, Agent, broker, and other third-party requirements. ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V/section-422.2274
  3. Electronic Code of Federal Regulations. 42 CFR 422.262(c), Uniformity of premiums. ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-F/section-422.262
  4. Electronic Code of Federal Regulations. 42 CFR 422.2267(e)(41), Third-party marketing organization disclaimer. ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V/section-422.2267
  5. SHIP National Technical Assistance Center. Find local Medicare help (State Health Insurance Assistance Program). shiphelp.org
  6. National Insurance Producer Registry. Verify existing licenses. nipr.com/licensing/verify-existing-licenses
  7. Trustpilot. We Speak Veteran® reviews (viewed October 11, 2026). trustpilot.com/review/veteransadvantagefinancial.vet
  8. U.S. Department of Veterans Affairs. VA health care and other health insurance. va.gov/resources/va-health-care-and-other-insurance
  9. TRICARE. TRICARE For Life. tricare.mil/tfl

Veterans Advantage Financial® is not connected with or endorsed by the U.S. government, the federal Medicare program, the U.S. Department of Veterans Affairs or TRICARE.

Talk with our team

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