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.

SEC “Financial Planning Rule” Overturned

On March 30, 2007 the District of Columbia Court of Appeals ruled that the SEC exceeded its authority in adopting Rule 202(a)(11), commonly known as the "SEC Financial Planning Rule" which granted a disclosure exemption to brokers who provide investment advice that is incidental to their business but who are still paid a special fee for the advice.

Copy of DC Court Ruling

The DC Court’s response is related to a lawsuit filed by the Financial Planning Assocation (FPA). The FPA has been a long time opponent of the SEC Financial Planning Rule since it was first proposed in 1999.

The SEC has yet to announce whether it will appeal the ruling, or whether it will propose new rules as a result of the court’s decision.

Financial Planning Association website

Press Reports

New York Times March 31, 2007

LA Times March 31, 2007

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