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.

Qualified Settlement Planning : What is it?

by  John Darer® CLU ChFC MSSC RSP CLTC

What is Qualified Settlement Planning (QSP)?

Its acronym sounds like that "Quazy Energy Cereal" from Quaker Oats.

Quisp-cereal

Throw Back Thursday for Boomers' Cereal!

Does "qualified" refer to some special academic qualifications as the name also suggests?

If so, what are they?

Does it refer to a professional specialty within a specialty where one only works with tax qualified damages which are excludable under IRC 104(a)(1) and 104(a)(2)?

If so, does that mean the "qualified settlement planner" DOES NOT advise on solutions with punitive damages, employment cases, pre and post judgment interest and the rest of the universe of litigation in litigation involving taxable damages?

Does it refer to someone with an expertise in Qualified Settlement Funds?

"Qualified Settlement Planning" is a non-existent term was recently found on an settlement planner's website. Folks, let's avoid using ambiguous terms or marketing jargon that appear to have no substance.

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