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.

Beware of “Rob” – Roy

by John Darer CLU ChFC CSSC RSP

Boston attorney Jeffrey Roy speaks out in favor of structured settlements in a post about the recent 3rd Circuit decision against Rapid Settlements which we reviewed yesterday.

"We have had many clients over the years who have rightly decided to accept their settlement proceeds in the form of structured settlements which offer them periodic payments (usually monthly) over the course of many years. These structured settlements offer stability and cash flow to clients who often have lost the ability to earn income and need a steady stream of money to help them through tough times"

Like many personal injury attorneys, Boston's Jeffrey Roy rues structured settlement factoring transactions as "often times…harmful to clients" and like us warns tort victims of abusive practices.

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