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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Category: Independent Professional Advice (IPA)
Seeking and receiving Independent Professional Advice (IPA) is a mandatory requirement under the structured settlement protection acts of certain states before selling the rights to future structured settlement payments
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Should the role of independent professional adviser begin with an apparent presumption that the act of selling structured settlement payment rights is in the best interest of the would be seller? Or should best interest be determined first?
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The Consumer Financial Protection Bureau Issued a Warning to Consumers About Selling Their Structured Settlements in response to “What should I know before giving up my monthly disability, personal injury or structured settlement payments in exchange for a one-time lump sum payment
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Why would a lawsuit that effectively alleges that a lawyer didn’t do his job properly and act in his client’s best interest be bad for annuitants? Should we overlook advisor mediocrity when it comes advice given to the cognitively impaired, the elderly, the disabled or the naive?
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The Mary Alice Rose case challenges Maryland’s standards for Independent Professional Advice (IPA) for structured settlement sales. The complaint alleges attorney Charles E. Smith misrepresented providing independent advice, prioritizing profit instead. Rose’s cognitive impairments left her vulnerable, questioning the effectiveness of protections meant for such individuals. Mandatory court appearances could enhance oversight.
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If you need liquidity and selling structured settlement payments is the the only viable option , then you better shop around! Those who don’t care and run to the nearest “cash now pusher” may be costing themselves large amounts of money. Structured settlement expert John Darer fills in the details in this informative video podcast.