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.

Settlement Preservation Trust

by John Darer® CLU ChFC MSSC RSP CLTC

A settlement preservation trust (SPT) is a personal injury settlement planning and recovery management tool when a plaintiff needs some liquidiity for the anticipated and unexpected as well as protection from temptation and potentially harmful outside influence as well.

Settlement preservation trusts provide claimants with spendthrift protected payments as well as liquidity and flexibility.  It can be used as an alternative periodic payment funding device and can be used alone or in combination with a structured settlement annuity. New York City/ Connecticut area Registered Settlement Planner John Darer explains in this informative pod cast video

     

Additional Information about Settlement Preservation Trust (also known as a Settlement Planning Trust or Recovery Management Trust)

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