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.
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.
by John Darer CLU ChFC MSSC CeFT RSP CLTCUpdated October 19, 2026
Just Found Out You Have a Structured Settlement?
Set up for you Years Ago?
Before you do anything take time to learn what you have from someone that is not seeking to buy it.
Your structured settlement might provide annual payments tied to what are meant to be your college years, trade school or internship or for a trade school, or even graduate school
Your structured settlement may provide payments that help set you up for a stable future
Coming of Age Teasers Target Your Valuable Structured Settlement Asset
Much like The Sirens of ancient Greek mythology, the allure of immediate cash attempts to draw you in. It may be amusing as individuals clamor to offer trivial incentives, such as a iPad, in exchange for your structured settlement. However, exercise caution and remain vigilant deceptive tactics designed to extract significant for mere pennies on the dollar Many of these individuals are, promoting immediate cash as if it were the latest trend or indulgence.
Don’t you think it makes sense that if it’s something valuable if these companies are being so aggressive about getting to you?
It’s not all about instant gratification AND, if you play your cards right you will eventually be able to afford all of that (if you wish), without destroying the opportunities for the future that a college education offers.
Sallie Mae survey on how the average family pays for college for the 2026-2027 school year compaired to 2008 when this blog post was first published.
This means that on the average, Mom and Pop can’t afford to send you to school of your choice on their own. Your structured settlement payments can help afford you that opportunity. Don’t blow it!
“From your parents you learn love and laughter and how to put one foot before the other. But when books are opened you discover you have wings”. – Helen Hayes
“A hard head makes a soft behind” 21 Black Mama Sayings That We All Grew Up Learning Malinda Janay Blavity April 3, 2017
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