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: Einstein Structured Settlements Criticism

Owings Mills “Geniuses” Get Flunking Grade From BBB | Worst in Structured Settlement Secondary Market

March 20, 2018

Richart Ruddie and Ryan Blank companies have sunk to the dubious honor of being worst of the structured settlement secondary market, with an F rating from the Better Business Bureau. Ruddie/Blank companies are now rated even worse than Reliance Funding, the successor to Access Funding,
Einstein Structured Funding | Dangerous Ignorance and Misrepresentation Overload

January 29, 2018

Despite endorsements for structured settlements by the American Association of Persons With Disabilities, members of Congress, lawyers representing plaintiffs, Ruddie and Blank’s Einstein makes numerous taradiddles when soliciting annuitants to sell payments for pennies, as this post shows.
JRR Funding | The Look of Fraud 2 | Fake Linkedin Profile “Employee” Does Not Exist

January 29, 2018

JRR Funding, a company that was registered to Richard Ruddie of Owings Mills MD and Ft Lauderdale, FL, banned (with Annuity Sold and other affiliates) in 2018, from doing business in Maryland for 7 years, has a fake employee promoted on LinkedIn. Shameful Richart Ruddie Annuity. Shameful.
Annuity Sold Fraudsters Nailed by Maryland AG In Structured Settlement Buyer Crackdown

January 9, 2018

Lack of structured settlement secondary market regulation allowed punks that run AnnuitySold, affiliated companies and others, to run amok. In this case Maryland Attorney General Brian Frosh took on the miscreants with a fervor and result that sets an example of what can be done in other states
Einstein Structured Settlements Advertising | The Look of Fraud for Over 5 Years

January 2, 2018

Einstein Structured Funding, a project of Owings Mills finest, Ryan Blank and Richart Ruddie, continued to post a totally fraudulent paid testimonial for over 5 years and only removed it in response to our latest post.
Purveyors of Structured Settlement Misinformation 3 | Einstein Structured Settlements/JRR Funding

December 24, 2017

Einstein asserts that it is a more intelligent approach to manage settlements, even though Richart Ruddie and Ryan Blank lack insurance or securities licenses, relevant financial planning or money management professional credentials, and a demonstrable understanding of the fundamentals.
Why a Settlement Purchaser Isn’t the Best Source of Information About Structured Settlements

October 6, 2017

Most structured settlement factoring company websites are the last place to go for accurate information about structured settlements. I’ve compiled some of the latest social media road kill from structured settlement cash now companies and intermediaries for critical commentary.
Einstein Structured Settlements Describes Itself as Widely and Unfavorably Known

October 1, 2017

The clueless self-proclaimed but unsubstantiated “geniuses” still maintain that Maine is farther north than Alaska. Read Einstein Structured Settlements Epic Failure in Geography
“Maximizing Your Settlement” | More Sorcery from Maryland Cauldron of Deceit

August 18, 2017

Can selling structured settlements for a fraction of their value truly be considered “maximizing your settlement”? The reality is that selling structured settlement payments inevitably leads to a loss of capital, and such a transaction is not equivalent to a settlement.
Einstein Structured Settlement “Review” Doesn’t Make Any Sense

August 15, 2017

If a person “won a lawsuit” that means a jury or a judge found for the plaintiff and in California would be awarded a lump sum anyway. That is unless they negotiate a structured settlement AFTER the fact. But that’s not what the suspect Einstein Structured Settlelments review says.

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Category: Einstein Structured Settlements Criticism