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: Spooner Phillips

  • The Credibility of Trade Associations

    It has come to the attention of this author that the individual entrusted with the membership of the National Structured Settlement Trade Association is an individual of "exemplary" stature,  IF one considers exemplary that H. H. Spooner Phillips IV, the person signing this declaration Download spooner_phillips_doj_declaration_332005.pdf, under penalty of perjury, that one has performed substantial services…

  • Doubts Continue That Forge Consulting is Plaintiff Exclusive as Advertised

    John T. Bair of Buffalo, New York and President of Forge Consulting,LLC, sent this letter Download forge_feb_21_2007_letterny_statejohn_bair.pdf  ("John Bair solicitation")to an attorney in New York City on February 21, 2007 as part of what is believed to be a mass mail campaign. In the "John Bair solicitation", John T. Bair states that Forge Consulting acts…

  • “NSSTA Has Softened Its View Of Factoring” -Patrick Hindert Report To SSP April 28 2009

    The NSSTA established a Branding Committee in June 2008 to examine ways to increase the structured settlement brand in a space dominated by the once bloated advertising budget of JG Wentworth and others and to counter blatant false advertising