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.

ISettlements 3 Ideas to Spend Your Structured Settlement Money | A Recipe for Financial Failure

by Structured Settlement Watchdog

Isettlements,a structured settlement factoring brand of Fort Lauderdale's Structured Asset Funding, dispenses the following "pearl of wisdom" about how to spend your structured settlement money after you sell your payments to them for a reduced lump sum payment:

  • Improve your wardrobe
  • Update your home with smart functions
  • Take a trip

The advice dispensed by Isettlements is substantially reckless, dangerous and self-serving. 

Selling your structured settlement payments is a money loser, 100% of the time. You are instantly poorer EVERY single time. Selling your structured settlement is not something to do if you're bored. If you need ideas on how to spend the proceeds of selling your source of stable tax free income at a discount then perhaps you shouldn't be selling in the first place. It is not a windfall. 

Boredom

Dying of boredom… On the one hand, I can do business with Isettlements and get a great deal at 50 cents on the dollar. I think I'll get a new wardrobe, take a trip. Then I will need to sell more to them.  But on the other hand I can be smart, keep my structured settlement and enjoy the stable tax free income,  not incur any loss, stick to a budget and contemplate my navel some more.

 

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