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.

Robber_jail_mugshot_flash_lg_clr One of Patrick Hindert's neighbors to the North is going "up the river". William R. Appleton, II, the "bad apple" former insurance agent from Maineville, Ohio pulled a "mini Madoff" on unsuspecting victims, posing as an investment advisor and  convincing his insurance clients to invest, then placed the investments in his own personal accounts, paid his own expenses and paid off earlier investors. The bilking took place from 2003-2007.  Appleton plead guilty in March 2009. According to the Ohio Department of Insurance, the slime ball was sentenced earlier this month to serve 97 months for one count of mail fraud concurrent with 5 years for one count of income tax evasion.

It is very easy to check the credentials who hold themselves out as "investment advisors" online. Do not invest with anyone without verifying credentials.

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