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.

Cash Now Pusher Charges Annuitant 20% on Berkshire Hathaway Structure…DEVELOPING

by Structured Settlement Watchdog®

A cash now pusher has managed to get judicial approval in Maryland on a structured settlement factoring transaction in which near term structured settlement payments were valued using an astounding 20% discount rate, by a member of the National Association of Settlement Purchasers. The structured settlement watchdog is in the process of obtaining all of the court papers which are public record for a full inquiry.

Berkshire Hathaway structured settlement paper is rated A++ by A.M.Best, AA+ Standard & Poors.

Besides shopping around, structured settlement annuitants should also ask their structured settlement annuity issuer for a price. Note that in those cases attorney fees may have to be tacked on and taken into account when making a comparison of alternatives.

Postscript

It is just this sort of shenanigans that led Berkshire Hathaway to introduce its Hardship Exchange Program. In 2018, the discount rate was 6.5%. Prior to that it was 7%.

 

 

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