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: Monmouth County NJ Structured Settlement

Monmouth County NJ  Structured Settlement 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 Monmouth County NJ, as well as Monmouth 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.

  • Stern Stays in Bounds, Lesk Doesn’t: But Receivables Still Aren’t Annuities

    Stern Stays in Bounds, Lesk Doesn’t: But Receivables Still Aren’t Annuities

    The article discusses the ongoing mislabeling of structured settlement receivables as “secondary market annuities” (SMAs) by Hersch Stern and Todd Lesk. While Stern operates a legitimate primary-market business, his terminology remains inaccurate. The persistent misrepresentation risks misleading consumers about their legal rights and protections, particularly as these receivables are not true annuities.

  • Taxable Equivalent Yield Explained for Structured Settlements

    Taxable Equivalent Yield Explained for Structured Settlements

    The article discusses the misleading nature of high “rate of return” claims in structured settlement proposals, often characterized by terms like “tax-free rate” versus “taxable equivalent yield.” It emphasizes the importance of accurately understanding Internal Rate of Return (IRR) calculations, noting that different cash flows may yield varying results.

  • “Discounted Designer Annuities” Flogged By New Jersey CPA Bruce E. Cox

    “Discounted Designer Annuities” Flogged By New Jersey CPA Bruce E. Cox

    Acquired structured settlement payment rights ARE NOT annuities. They are are receivables. Labeling receivables as annuities is inaccurate. What a pity that New Jersey CPA Bruce Cox used his professional CPA credentials to spread the falsehood.