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.
A Holiday Treat From The Strategic Capital “Gin Mill”?

A Holiday Treat From The Strategic Capital “Gin Mill”?

Received this email from one of our readers in the structured settlement industry

“John:

Just got a letter from Strat Cap (“Dear XXXX”) from its Director of Sales Tom Collins (How ironic!!!) wishing me a happy new year and telling me that if I have bills from the holidays, Strat-Cap will be happy to give me “options for today while keeping an eye on tomorrow.”  How nice of them!”

The specious layer of Strategic Capital benificence is easily peeled away and exposes ” Tom Collins ” for ” Rob Roy“

If you decided to sell some of your structured settlement payment rights the deal could not have been concluded in time for the holidays unless the transaction provided for a 40% excise tax, as structured settlement factoring transactions require a qualified court order to approve the transfer that would get you the dough to pay your bills.
Strategic Capital is another factoring company which, upon information and belief, structured settlement brokers and settlement planners refer business to and pays structured settlement factoring vig.  The company is also known for once offering an opportunity to win a trip to Hawaii for selling your structured settlement payment rights to it
Strategic Capital 2005 Win Trip Hawaii to Structured Settlement SellersDownload
***********Did the structured settlement brokers and settlement planners who refer factoring business and/or take structured settlement factoring vig this company know that Strategic Capital would be soliciting its referrals to hock their financial futures for Christmas?**************

NATLE

What is also just incredible is that the company is endorsed by and is an affinity partner of the National Association of Trial Lawyer Executives (NATLE).
*********Did NATLE and the lawyers who endorsed this company know that NATLE’s affinity partner Strategic Capital would be soliciting tort victims to hock their financial futures for Christmas?
 

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