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.

Income Stream Exchange Founder Indicted for Third Time in One Year

by Structured Settlement Watchdog

Todd Dyer, a/k/a T Allen Dyer founder of the Income Stream Exchange which solicits both investors in and potential sellers of structured settlement payment rights has been indicted on 13 new fraud related charges. it is Dyer's third indictment in one year.

[See United States v Todd A. Dyer  United States District Court Eastern District of Wisconsin case. 16-CR-100  June 28, 2016]

Todd Dyer was eventually sentenced to 15 Years  Brazen 'bring it on' felon gets 15 years for $2 million fraud (jsonline.com)

Unlike any other financial services business, participants in the structured settlement secondary market are not currently subject to a licensing requirement and there is no regulator of sales practices, allowing fraudsters like Todd Dyer to participate in the industry. 

Bear in mind that those who place structured settlements in the primary market DO have a licensing requirement and are subject to regulation.

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