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.

Strategic Capital FAQ’s Up! Does Strategic Capital Know Its Own Business?

The question: "Is a Court Order always necessary to sell structured settlement payments?" The answer given by Strategic Capital in its FAQ is that "a Court Order is needed for all structured settlement transactions".

The statement is false.

Strategic Capital does NOT engage in "structured settlement transactions". Strategic Capital engages in structured settlement factoring transactions**. There is a difference. One requires an insurance license. The other requires no license. A company that enages in structured settlement transactions would no longer be in business if it offered trips to Hawaii in exchange for business from consumers.

Not all structured settlement transactions require a Court Order. Obtaining a "qualified Order" in a structured settlement factoring transaction helps avoid a stiff 40% excise tax.

** defined at IRC 5891(c)(3)

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