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: Dutchess County Structured Settlements

Dutchess County Structured Settlements information and commentary from stuctured settlement expert John Darer CLU ChFC MSSC CeFT RSP CLTC that may be of interest to Dutchess County NY personal injury lawyers and residents of Poughkeepsie, Beacon, Fishkill, Pawling, Wappingers Falls, Millbrook in New York with personal injury, medical malpractice and wrongful death claims

John Darer Reviews Structured Settlement Lock Ins… What You Should Know

April 15, 2026

A structured settlement lock-in (or lock in) means that the structured settlement annuity issuer will guarantee the cost of a structured settlement, including the specific payment stream in exchange for the “quid pro quo” of a commitment to accept or purchase.
Court Records Prove CrowFly Factored Structured Settlements Written by John Bair (Milestone/Forge)

January 15, 2022

Inherent conflicts of interest exists between a series of entities (literally under one roof), that solicit pre-settlement cash advances, structured settlement annuities, the factoring and refactoring of structured settlement payment streams and the marketing of the payment streams to new investors
Qualified Assignments from the ELNY Era and Qualified Assignments Now

March 3, 2013

Qualified assignments for structured settlements then and now. Helpful video on “What is a Qualified Assignment” featuring structured settlement expert John Darer®, a Master Structured Settlement Consultant from the New York City Metropolitan area
PLR 200918001: IRS Green Light for Structured Settlement Commutations

May 7, 2009

In December 2006, a legal opinion raised doubts about the ability of assignment companies to restructure periodic payments, leading many insurers to withdraw from commutation programs, favoring factoring companies. However, a 2009 IRS ruling clarified that assignment companies could restructure obligations without tax implications, allowing insurers to resume commutation offerings.
Kwant Fund Denied by Dutchess Judge Over JG Wentworth Nickel Back on The Dollar Offer

January 1, 1970

A Dutchess County New York judge has denied a request by J.G. Wentworth Co. to buy structured settlement payment right from an unemployed Poughkeepsie mother of five, at about a nickel per discounted dollar.