Structured Settlements 4Real®Blog 2026

Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.

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The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.

123 Lump Bum

by Structured Settlement Watchdog®

The factoring company Structured Asset Funding, has a stinky egg on its face.

On the company website for its DBA, 123 Lump Sum, Structured Asset Funding lists "3 steps to cash now":

1. "Contact Us Today"

2. "Accept our Offer". They THEN state" and you're well on your way to CASH NOW. It's hassle free"

3. "Get your cash"

No interim or further steps are disclosed in the ad.

Questions/Comments:

If Structured Asset Funding advertises "cash now," why would someone be "on their way" to receiving cash after accepting their offer? "Now" implies immediacy or happening at once, which seems to be overlooked by these misleading advertisers.

After six months of dealing with Structured Asset Funding, the Connecticut woman’s experience in 2009 left "NOW" with little credibility. It's astounding how "Structured Ass" continues to operate this way.

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