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.

Occupy Wall Street: It’s Not ALL About Wall Street!

by John Darer CLU ChFC CSSC RSP
In his HufffPo column "Occupy Wall Street: Hidden Victories and Hidden Allies" 
my structured settlement industry colleague Don McNay, uses the fiasco about 
the Bank Of America $5 per month debit card fee to illustrate  "another example 
of Wall Street and Main Street not connecting"

Shouldn't that be North Tryon Street and Main Street not connecting Don, inasmuch as
Bank of America 's headquarters, replete with Brian T. Moynihan's corner office,
is located at 100 N. Tryon St. Charlotte, NC 28255? 

Unlike Zuccotti Park however, Freedom Park in Charlotte appears to have more
birds than people.

I'm just busting Don's chops. He's got a great book out there called 
Wealth Without Wall Street: A Main Street Guide to Making Money



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