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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Category: Coral Springs Structured Settlement Investments
Coral Springs Structured Settlement Investments offers a collection of blogs and articles about structured settlement receivables, appealing to Coral Springs, Florida residents, financial advisors, and others. These structured settlement investments are not annuities; “receivables” is the correct term. However, they’re sometimes mistakenly called Secondary Market Annuities (SMA), a confusion often fueled by the use of trademarked insurance company logos by a local Coral Springs business.
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🧭Leskus Discussus: Holiamus Moly Moly Molé 🦟Bitten by mosquitoes, itching at the same old spots — the Holy Moly, the MOLY MOLY MOLÉ — the pattern🔁 always resurfaces. For more than a decade, the structured settlement secondary market has evolved in ways that reflect regulatory guidance, industry consensus, and simple accuracy. Terminology has tightened. Disclosures…
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#toddlersongs MJ Settlements continues to market Genworth‑backed payment receivables as if they were supported by A‑rated insurers, even though every credible source places Genworth at C++ or B‑. Some lessons are learned early in life. Children learn their ABCs in nursery school. The point is simple: Todd Lesk doesn’t know his ABCs — his A.M.…
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The MJ Settlements brochure misleadingly promotes factored structured-settlement payment rights as “Secondary Market Structured Settlement Annuities,” creating a false impression of insurer backing and protection. This misrepresentation exposes retirees to significant risks, as they believe they are purchasing regulated annuity products when they are not. Clarity and accurate terminology are essential.
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MJ Settlements misrepresents its structured settlement receivables as safe, A-rated products, using misleading terms like “SSA” and “Guaranteed to Outperform.” The company fails to disclose significant risks, including long deferral periods for payments and lack of state protections, ultimately masking the true nature and credit quality of its offerings.
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The tagline “Guaranteed to OutPerform” used by MJ Settlements is misleading and non-compliant, suggesting unrealistically high returns without substantiating performance claims. It implies guarantees that do not exist, potentially exposing the company to regulatory scrutiny and legal action. Such claims undermine consumer trust in the structured settlement industry, presenting serious ethical and legal risks.
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Todd Lesk Permanently Barred from FINRA but Lists FINRA on LinkedIn as “Licenses and Certifications”
Todd Michael Lesk, CEO of MJ Settlements, was permanently barred from FINRA on October 6, 2023, prohibiting any affiliation with broker-dealer firms. Despite this, he continued to display invalid licenses on LinkedIn. The situation raises concerns about misrepresentation in marketing structured settlements. The blog highlights these discrepancies.
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The content critiques MJ Settlements’ notion of “Trust” while highlighting its complexities and risks. Trust is essential for societal cohesion and economic transactions. It questions the credibility of MJ Settlements’ claims regarding their products being supported by insurance companies, juxtaposing this with concepts of truthfulness and reliability in trust dynamics.
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MJ Settlements advertising is like playing a childhood game of “Spot The Difference”. So Let’s Play and Critique at the Same Time. Note: Both of these images were captured from public facing images on the MJ Settlements X account on October 15, 2025 for reference purposes only. No copyright claimed. Name of Insurer Not an…
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MJ Settlements, Inc. falsely claims “When an original structured settlement annuity is sold, either partially or in full, it then becomes known as a Secondary Market Structured Settlement Annuity”. The annuity does not change hands in a structured settlement.
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John Darer’s review discusses the secondary market for structured settlement receivables, highlighting the interests of various stakeholders including individual retail investors, fiduciaries, and legal professionals. It emphasizes the complexities of investing in structured settlements, which may be confused with traditional annuities, and calls attention to potential misadvice from financial advisors.