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.

Category: Coral Springs Structured Settlement Transfers

Coral Springs Structured Settlement Transfeers refers is a category of blog pofts contatining news an dcommentary about structured settlement transfers of structured settlement payment rights involving Coral Springs residents or involving companies in the coral Springs area that participate in the structured settlmeent secondary or tertiary markets

The Steering Problem Needs a Wake‑Up Call

October 17, 2026

The article emphasizes the dangers of “steering,” where individuals without the proper licenses influence structured settlement recipients to sell guaranteed income streams for riskier investments. This practice circumvents consumer protection laws and exposes vulnerable clients to significant financial harm. Proper regulation and professional guidance are crucial to safeguarding these consumers.
A Punchline Review of Some Contorted Statements About Structured Settlement Factoring

July 14, 2024

In this blog John Darer reviews some really contorted statements about structured settlement factoring in a piece authored by Mia Taylor and edited by Hannah Smith for Bankrate.com and Yahoo Finance, and delivers his riposte below.
Can You Restructure Structured Settlements? Black Square Financial v CrowFly LLC

March 4, 2022

No annuitant can sell a structured settlement annuity policy and no investor can buy it from the annuitant. So why is Black Square Financial lying to consumers over such a fundamental point?
Can Structured Settlement Annuities Be Bought And Sold?

January 18, 2022

Structured settlement annuities cannot be bought and sold however, the right to receive structured settlement payments can be bought and sold. It’s a critical distinction for investors who may be misled into thinking they are buying an annuity with its associated protections.
Vig Payments Needed For “The Blessing” of Structured Settlement Servicing Company?

January 1, 1970

Right of first refusal clauses give the servicing factoring company right of first refusal on subsequent structured settlement transfers. In some cases there’s a need for money to move from any competitor of the servicing factoring company “to get their blessing” in order to override the first refusal. Shady.