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.

about

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 Settlements

Coral Springs Structured Settlements is a collection of blogs, articles, and commentary on structured settlements by structured settlement expert John Darer CLU, ChFC, MSSC, CeFT, RSP, CLTC. The content is designed for personal injury lawyers practicing in or serving Coral Springs Florida, as well as Broward County and Palm Beach County residents involved in lawsuits for personal injury, wrongful death, or medical malpractice, employment, construction defects, or sensitive claims who are seeking settlement planning advice and information.

Understanding Structured Settlement Annuities: MJ Structured Settlement Annuities Big Blooper

January 2, 2017

Todd Lesk was as enthiastic apromoter of structured settlement receivables (that Lesk misbranded as annuities} as “Grandpa” is about his plump, sausage-like fingers in the MJ Structured Settlement Annuities’ YouTube ad. Fast forward, and the toll-free number for MJ now says it’s out of service.
Beware the “Shark Infested Waters” of Novation Funding’s “Second Chance” Cafe

March 12, 2016

Your best second chance is NOT to sell more structured settlement payments.
MJ Structured Settlement Annuities in Deceptive Structured Settlement Receivables Marketing

March 14, 2014

The name MJ Structured Settlement Annuties is misleading because what is being marketed as structured settlement annuities is not an insurance product, it is structured settlement receivables, which are not annuities or an insurance product. And there is a big difference.
Structured Settlement Documentation | Care in Documentation of “Consideration”

November 20, 2007

Proper documentation of consideration is vital for structured settlement payments, particularly the “promise to pay” for periodic payments. Inadequate wording may render the settlement defective, leaving plaintiffs unprotected. It’s essential to ensure obligations are clearly stated to avoid future complications in qualified assignments, as outlined in IRC 130(c).
What Are The Benefits of Restructuring? Black Square Financial’s Shocking Response

January 1, 1970

Black Square Financial’s restructuring is false and misleading advertising. Does the act of buying your structured settlement payments for pennies on the dollar constitute a financial plan under ANY standard?