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 Settlements ARE For Suckers Larry Swedroe

by Structured Settlement Watchdog®

Steve Pomeranz  speaks with Larry Swedroe on whether "secondary market annuities" are a suitable investment for retirement and savings portfolios, on his radio show from the "Belly of the Factoring Beast", Boca Raton Florida.  The suggestion is that secondary market annuities are for suckers.  Larry Swedroe speaks of investments in structured settlements, when what he describes are actually investments in structured settlement payment rights, not structured settlements
Steve Pomeranz  speaks with Larry Swedroe on whether "secondary market annuities" are a suitable investment for retirement and savings portfolios, on his radio show from the "Belly of the Factoring Beast", Boca Raton Florida.  The suggestion is that secondary market annuities are for suckers.  Larry Swedroe speaks of investments in structured settlements, when what he describes are actually investments in structured settlement payment rights, not structured settlements
Steve Pomeranz  speaks with Larry Swedroe on whether "secondary market annuities" are a suitable investment for retirement and savings portfolios, on his radio show from the "Belly of the Factoring Beast", Boca Raton Florida.  The suggestion is that secondary market annuities are for suckers.  Larry Swedroe speaks of investments in structured settlements, when what he describes are actually investments in structured settlement payment rights, not structured settlements

Steve Pomeranz  speaks with Larry Swedroe on whether "secondary market annuities" are a suitable investment for retirement and savings portfolios, on his radio show from the "Belly of the Factoring Beast", Boca Raton Florida*.  The suggestion is that secondary market annuities are for suckers.  Larry Swedroe speaks of investments in structured settlements, when what he describes are actually investments in structured settlement payment rights, not structured settlements. 

A number of intermediaries scam label structured settlement payment rights as "secondary market annuities". And my readers know the mantra… Secondary Market Annuities Are Not Annuities.

Swedroe was selected to opine because of his 2011 CBS Money Watch article called "Why You Should Avoid Structured Settlement Investments" 

*Many structured settlement factoring companies are based in Broward and Palm Beach Counties in Florida.

Structured settlement sucker

I'm a sucker and I'm OK. I'm a perfect candidate for a structured settlement 
Patriotic sucker

I'm a sucker and I'm OK.  Red or white a structured settlement is right
Structured settelment sucker ok

Quit trying to pacify me! I'm a sucker and I'm a perfect candidate for a structured settlement and man do I have to poop. 
Senior structured settlement sucker

I'm a sucker and I'm OK. I'm a perfect candidate for a structured settlements. The income lasts a lot longer than this ice pop.
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