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: Murphy v IRS

  • Selling Whistleblower Settlement To Scott Rothstein Ponzi Scheme Never Made Tax Sense

    Whistleblower damages are essentially taxable so by taking a lump sum you are screwing yourself twice. You get less for the privilege of instant gratification and then, unless you have offsetting tax deductions, you keep less because you only have the net after tax amount to consume.

  • Murphy v IRS-DC CIRCUIT REVERSES OWN DECISION!

    The D.C. Circuit’s original decision held that a compensatory award for emotional and professional reputation damages is excluded from gross income and that IRC 104(a)(2) is unconstitutional in allowing taxation on compensation unrelated to lost wages or earnings. Some had hoped the feeling would spread to other Circuits to benefit those with such elements of…