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.

Clients First-IF Clients Really First Why Misinformation?

Factoring Company "Client First"  is misinforming the public about structured settlements. Here are a few examples

Client First Says In Its Glossary (5/2/2008):

A qualified assignment agreement is "an assignment of the obligation to make future settlement payments which satisfies the requirements of Internal Revenue Code for tax free treatment of structured settlement payments. Typically the transfer or sale of structured settlement payments is completed using a qualified assignment.

Comments:

  1. The second sentence is utterly wrong. IRC Section 130 defines qualified assignments
  2. The transfer or sale of structured settlement payments is NOT completed using a qualified assignment.

Also, add Client First to list of factoring companies who wrongfully mislead consumers by confusing the process of factoring periodic payment rights as "the structured settlement process". Click here for the REAL structured settlement process". Click here for a legitimate structured settlement glossary

The management of Client First is experienced and should know better.

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