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.

The “Dizzy” Circular Logic of Peachtree Settlement Funding

by John Darer CLU ChFC CSSC

Specious arguments are those having the ring of truth or plausibility but are actually fallacious.Today's winner of the Structured Settlements 4Real new "Specious Claim of The Day" is Peachtree Settlement Funding for this doozy.

"Our Peachtree team is dedicated to learning about your unique situation, and tailoring your lump sum payment to meet your needs"

I don't know about you, but this circular logic doozy is making me "dizzy…my head is spinning"**

So what? To paraphrase Shakespeare "A lump sum by any other name, would still stink like a lump sum". It ain't Saville Row! Presumably such bespoke service enables you to (1) tailor it so that you sell more structured settlement payment rights and get a bigger lump sum or (2) sell fewer structured settlement payment rights and get a smaller lump sum, (3) sell it all and then you get to make a new payment stream with the discounted proceeds, but without the tax advantages.

Just remember that Peachtree Settlement Funding (as do ALL the settlement transfer companies) offers you a discounted lump sum. When you take "cash now" you are giving up something significant and you NEVER, ever, ever, get ALL of your money.

One aspirin or two?

**click, have speakers on, sing it Tommy Roe!

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