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: Esquire Settlement Servces

  • Millennium Settlements’ “Factoring Affiliation”?

    For years, there have been rumors- is there now substance? The following announcement was mass mailed October 19, 2009 to many of New York State's trial lawyers by Law Cash (a company that provides financing to plaintiffs and the bar AND, drum roll… says that it buys structured settlements from annuitants on its website. Law…

  • Settlement Consultants: “Buffalo Soldiers”?

    Purportedly the whole thing was ” a bit Erie” as the logic of the structured settlement advertising message drained to the chant of “Marley Marley Marley Marley life is but a dream”

  • The ESS-ence of “Attention to Detail”

    Some say that New York water is the secret to making the best bagels in the world. I submit to you that those that drink it make for some structured settlement consultants with alarming "attention to detail" A few short years ago it was our "friends" at Buffalo based Forge Consulting who introduced the "plantiff"…

  • Clarification From LawCash Concerning Esquire Settlement Services

    My friend Harvey Hirschfeld, President of LawCash, has graciously issued the following statement to clarify the relationship with Esquire Settlement Services which was covered in yesterday's post. "Dear John I hope you are well. I wanted to address the contentions raised in your blog post of October 20, 2009 as well as clear up any…