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.

Fairfield Funding States That “Chain Of Brokers Will Take Cut of YOUR money!”

by Structured Settlement Watchdog®

Fairfield Funding, a structured settlement factoring company, implies that the kick back to structured settlement broker model from a "decent factoring company" may not be as good for plaintiffs as some have advertised.

We know what 5% of the industry does not do, but very little about what the remaining 95% do (since few appear willing to disclose their factoring activity) 

"Cash Now Pusher" Fairfield Funding (a division of APIS) states on its website that  "WE ARE A DIRECT FUNDER, and because of this we avoid the chain of brokers that will take their cut of YOUR money".


Are some structured settlement brokers skimming off their own client's structured settlement factoring deals, not just random annuitants off the street (as if there's something redeeming about that)?

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