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: Society of Financial Service Professionals

E&O insurance for Financial Services Professionals and Settlement Planners

October 7, 2014

Membership in the Society of Financial Service Pr9fessionals has its benefits, one of which is an outstanding group professional errors and omissions insurance plan, which offers settlement planning professionals much lower deductibles than typically available through structured settlement agencies, with defense costs outside of the policy limits.
CFP Board chairman resigns amid ethics probe

November 2, 2012

Some of the points made by Dr. Barton are also spot on for the settlement profession.
Professional Designations: SFSP Publishes White Paper on Credentials

August 5, 2008

The growing concern on the part of regulatory agencies – the SEC, FINRA and the Senate Committee on Aging – that unscrupulous advisors use their credentials to take advantage of consumers. Should this apply to solicitation of tort victims and their families?
Convergence versus “The Quarterback” 2

February 13, 2008

Yesterday’s Insurance Journal reported on a study, commissioned by Fireman’s Fund Insurance Co. and conducted by Opinion Research Corporation (ORC), that polled adults with more than $1 million in investible assets. It concluded that the wealthy are primarily concerned about the safety of their family, but they also have significant concerns about the protection of…
SFSP Survey Of How Credentialed Professionals Feel About Regulating Use of Professional Designations

December 21, 2007

The Society of Financial Service Professionals (SFSP) is the only professional organization in the industry that requires its members to be credentialed
SFSP To Offer Long Term Care Insurance With Member Discounts

January 1, 1970

The Society of Financial Service Professionals (SFSP), a credential only financial planning association, has announced that long term care insurance through Transamerica will be part of its member discount program
Executive Life of New York Structured Settlement 1982-1988: Writing Was On The Wall

January 1, 1970

While I never placed any of my clients into an annuity or life insurance issued by either Executive Life, I researched and wrote this blog as an advocate for structured settlement annuitants, industry professionals and others looking for the unknown facts of how the ELNY problem got to be this big and has apparently been…

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Category: Society of Financial Service Professionals