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.
recent posts
- SettlementDecisions Episode 5: What SettlementDecisions Really Is — A Lead Funnel, Not an Information Source
- Structured Settlement Annuity Guarantees Help Financial Peace of Mind
- How Sheron Jones Was Exploited — And Why D.C.’s Failure to Mandate IPA in SSPA Enabled It
- Attorney Fee Structured Settlement Factoring
- One Year Later: The Structured Settlement–to–Bitcoin Anniversary Nobody Is Celebrating
about
Category: Retirement Planning
-
The hammer is coming down on the possibility of any investors in structured settlement receivables (factored structured settlement payment rights), deriving any benefit from insolvency protections designed to protect buyers and beneficiaries of legitimate annuities and life insurance.
-
An annuity payout rate is not an interest rate. An annuity payout rate is the percentage of the annuity purchase price that is paid out each year and includes both interest and return of principal. The term “annuity payout rate” is used in marketing as a way to make income annuities more attractive.
-
While bankruptcy law typically protects retirement assets from the reach of creditors, unlike a typical IRA, money in an inherited IRA can be withdrawn without waiting for the new owner to retire. The SCOTUS reasoned that the change in the status of the account is readily available to payoff creditors.
-
A Certified Financial Transitionist may help.plaintiffs facing the need to make life impacting financial decisions during a period of heightened stress.Transition stress can impair the decision making process, perhaps even leading to a frozen state where making a decision seems impossible.
-
Settlement proceeds from a personal injury, wrongful death or other type of settlement may be structured to contribute to the annual funding of long term care insurance.
-
Seniors need beware of “cash now pushers” bearing “good tidings” for retiree’s pension plan payments or rights to an income stream, such as hmmmmm, a “structured settlement”
-
Creating a plan, that it takes into account health expenses and long term care, and starting to save as early as possible are key aspects of a successful retirement savings plan. Involve the family and start early.
-
For those that plan ahead, long term care solutions are available that help to maintain dignity, permits claimants and their families to make choices , helps to protect Savings, Retirement, Lifestyle, Longevity of Unpaid Caregivers (which are often family and friends) and Helps Keep Families Together.