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.

SuttonPark Capital: “Ensures Maximum Returns to BROKERS”

by Structured Settlement Watchdog

SuttonPark Capital says it has a "strong broker network and are actively encouraging referrals from brokers or other individuals with clients in need of immediate cash.

SuttonPark purchase structured settlements, annuities, lotteries, casino, or jackpot winnings. SuttonPark Capital offers competitive fees for all referrals".  SuttonPark Capital states that it "assists its Brokers with sales and marketing support, including brochures and display materials". It says that it "offers very flexible terms to ensure maximum returns to its Brokers" (emphasis ours)

Our question is how "ensuring maximum returns to its brokers" impacts the cost to sellers of structured settlement payment rights? 

PennantPark Investment Corporation includes SuttonPark Holdings, Inc. on its schedule of investments as of March 31, 2011 (excerpt below).  Included is a total of  $11,000,000 in various forms of financing with a current coupon of 14.00%

Investments in Controlled, Affiliated Portfolio Companies – 2.1%
First Lien Secured Debt – 1.6%               Maturity
 Industry Coupon   Par/Shares Cost Fair Value
SuttonPark Holdings, Inc. Description: Purchases and re-sells high-quality deferred payment annuity obligations from brokers and individual holders 06/30/2020 Business Services 14.00% — $ 7,200,000 $ 7,200,000 $ 7,998,020
 
Subordinated Debt/Corporate Notes – 0.3%            
SuttonPark Holdings, Inc. Description: Purchases and re-sells high-quality deferred payment annuity obligations from brokers and individual holders 06/30/2020 Business Services 14.00% — 1,800,000 1,800,000 1,710,734
 
Preferred Equity – 0.2%(7)            
SuttonPark Holdings, Inc. Description: Purchases and re-sells high-quality deferred payment annuity obligations from brokers and individual holders — Business Services 14.00% — 2,000 2,000,000 1,291,246
 
Common Equity – 0.0%(7)            
SuttonPark Holdings, Inc. Description: Purchases and re-sells high-quality deferred payment annuity obligations from brokers and individual holders — Business Services — — 100 100 0
 

I'm not suggesting that the company, or its investors are doing anything wrong.  There is nothing wrong with setting up a lemonade stand on one corner and charging $1.00 per cup while someone else can set up another one on another corner that charges 50 cents

(Assume for the purpose of this example that we're not talking about  Midway Georgia,  or RIverside Park , New York City, and that the appropriate permits have been obtained).  If someone is REALLY thirsty and passes by the $1 stand , will they walk an extra block to save 50 cents? What if they don't know there is a lemonade stand down the block that is 50% cheaper? If someone is ignorant or doesn't shop around is it tough darts on them.?  On the other hand they may perceive a value for the extra money spent because for example, they were REALLY thirsty, or the higher priced lemonade carries a designer label, a certain cachet or is organic.

Brain_scratching_head_lg_clr
I just want to know how the mathematics work out.  If you have a 14% cost of money (payable in cash or "in-kind") don't you have to charge more than 14.00% to make a profit?

 

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