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: “Screwed to the Wall”

  • ” Screwed to the Wall”  metaphorically decribes a tragic investment by a couple named Wall.The Walls invested in a “secondary market annuity” recommended by their financial adviser via a middleman. The only problem was that the underlying origination was subject to a fraud by the wife of a structured settlement payee who forged her hudsbnd’d signature. When the payee found out he moved to vacate the order. This led to a cascading effect on the Wall’s ” low risk financial investment vehicle” that was “safe and insured” and they’ve needed to spend thousands of dollars to try and protect their interests and lost. plus legal fees. “Screwed to the Wall” was putting it mildly.
  • Court Ruling Exposes Risks of Secondary Market Annuities

    Court Ruling Exposes Risks of Secondary Market Annuities

    Buy structured settlement receivables at your peril investors. That is the message that a November 2018 decision by the 3rd Circuit Court of Appeals overturning a 2017 summary judgment in favor of a PA couple who, on the advice of an adviser, bought “a secondary market annuity” with retirement funds.