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.

Structured Settlement Social Media Road Kill- Holiday Edition “Cash Outs”-1

Structured Settlement Watchdog®

Selling your structured settlement for a lump payment of money can be a good option for people who need to get their full settlement soon to pay off debt or are planning to use their settlement money"

– website of structured settlement factoring broker December 23, 2011 10:00am EST  (emphasis ours)

The statement is bogus because should someone try to sell their structured settlement payments, they will NEVER NEVER NEVER get the full settlement.

An offer to purchase structured settlement payment rights involves the discounting the structured settlement payments to present value. There are also legal fees and other costs, whether they are built into the discount rate at the time of solicitation, or disclosed up front.

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