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.

Ohio “Investment Advisor” Is One Bad “Apple”

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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