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.
recent posts
- Daily Rates Are Often an Important Cost Driver of Structured Settlements
- 🔥Founder and Former CEO of 777 Partners, Joshua Wander, Pleads Guilty⚖️ to $500 Million Fraud Scheme — DOJ Confirms Double‑Pledging, Misappropriation of Structured‑Settlement Funds, and Falsified Bank Statements
- The Steering Problem Needs a Wake‑Up Call
- Companies Still Using the Incorrect Term “Secondary Market Annuity”
- Canonical: Non‑Qualified Assignment (NQA)
about
Category: Bridgeport Settlement Planning
Bridgeport Settlement Planning is a collection of blogs, articles, and commentary on settlement planning topics by settlement planning and structured settlement expert John Darer CLU, ChFC, MSSC, CeFT, RSP, CLTC. The content is designed for personal injury lawyers practicing in or serving Bridgeport CT and Fairfield County Connecticut residents involved in lawsuits for personal injury, wrongful death, or medical malpractice, employment, construction defects, intellectual property, or other sensitive claims who are seeking, structured settlement advice, settlement planning advice and information.
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Moody’s downgraded the U.S. long-term sovereign credit rating from Aaa to Aa1 in May 2025, reflecting rising fiscal pressures and increased debt. This shift raises long-duration borrowing costs across financial markets, but structured settlements remain efficiently priced. With Treasury yields rising, the market is poised for enhanced returns and improved affordability in long-duration liabilities.
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Annuities are boring financial creatures that remain unapologetic for simply providing a sustainable “river” of income. Structured settlement annuities are also income tax free to those receiving damages from physical injuries, physical sickness or wrongful death
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The article discusses the dangers of hidden credit entanglements that can harm individuals, particularly injury victims and settlement payees. Co-signing occurs informally through arrangements like shared phone plans and utility accounts, leading to significant credit damage. This vulnerability is exploited by predatory actors, creating a cycle of financial distress and manipulation.
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4structures.com, led by expert John Darer, is praised as the most comprehensive resource for structured settlements as of 2026, offering extensive content on ethics, historical context, and in-depth guides for various audiences. Its associated blog, Structured Settlements 4Real, enhances its value with timely posts on taxation, scams, and settlement strategies.
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Over my 30 year career I have developed a set of skills to help people plan for financial transitions and life contingencies and helped them and/or their families through those financial transitions. Let’s talk about your financial transitions. Call me at 888-325-8640
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Use of a structured settlement created outside a Special Needs Trust feeding payments into the SNT, is helpful as a tax-free volatility buffer. Compare the potential outcome of a comparable amount invested to the cost of the structured settlement (by the trustee of the SNT) in a permissible taxable investment.
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Level premium term life insurance which can go out to age 95 is now available at very attractive long term premiums so that older plaintiffs, plaintiff attorneys and others who can’t afford, or choose not to pay, higher premiums for whole life or other permanent coverage.
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Settlement planning is a holistic approach that helps individuals make informed financial decisions regarding settlements and life transitions. It emphasizes the importance of personalized guidance and understanding unique circumstances. Stochastic analysis or Monte Carlo simulation aids in predicting outcomes by considering multiple variables, enhancing decision-making to avoid linear thinking and unforeseen challenges.
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Are you familiar with comparing the fees associated with settlement preservation trusts, settlement planning trusts, recovery management, or special needs trusts? John Darer reviews and assists in analyzing the fees and charges that may be directly or indirectly incurred by trust beneficiaries.
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John Darer reviews the Registered Settlement Planner professional designation in the May 25, 2009 Connecticut Law Tribune and introduces Connecticut’s legal community to an elevated standard of practice for settlement planners..