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.

RAM Funding “Note Jobs” Join Structured Settlement Illiterati

Isn’t the factoring industry ashamed to be filled with, or be associated (via pay per posters) with  "illiterati"?

Check this advertising slogan from the "note jobs" at RAM Funding (a/k/a The Factoring Butt Heads")

"Sell your Structured Settlement Buyer to RAM Funding, nationwide buyer of structured settlements and YOU can collect your structured settlement annuity in one LUMP SUM OF CASH."

Does this utter nonsense imply that RAM Funding is dealing in "human slave trade"?! Hey, they’ll pay you money for a "structured settlement buyer" (i.e a human being), or is this their way of "dealing with the competition"? Should Robin Marc Shapiro, Michael Goodman, Jim Terlizzi and Jim Lokey be looking over their shoulders?

Then the "Factoring Butt Heads" imply that if they buy your structured settlement "YOU can collect your structured settlement annuity in one lump sum of CASH". 

It sure is unsettling to know that some poor schmuck is going to trust their deal to a group of "Factoring Butt Heads" who don’t even demonstrate that they even know the basics of what their business is all about?

Licensing (for structured settlement factoring) and minimum standards anyone? 

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