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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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 video series explores the tertiary market for structured settlement payment rights, targeting structured settlement investors and fiduciaries. It addresses concerns about cashing in annuities to buy structured settlements. The content is relevant to judges, financial advisors, and regulatory bodies like the Consumer Financial Protection Board, along with mainstream media.
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The National Association of Insurance Commissioners implicitly stated in its Statutory Issue Paper 160 that acquired structured settlement payment rights are not an annuity. Investors beware!
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The name MJ Structured Settlement Annuities is wholly misleading The company buys and sells structured settlement payment rights, not structured settlement annuities, which are owned (and after the structured settlement factoring transaction remain owned) by the qualified assignment company.