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: St Francois Structured Settlements

  • 🔹Structured Settlements and Bankruptcy of the Payee: What Courts Actually Look At

    🔹Structured Settlements and Bankruptcy of the Payee: What Courts Actually Look At

    Recent discussions among attorneys highlight how structured settlement payments are treated in bankruptcy, focusing on the payee’s situation. The courts prioritize the purpose of payments, proper legal documentation, and allocation clarity. A well-structured release is essential, as effective planning and documentation can protect payees’ interests during bankruptcy proceedings.

  • How Pre-Funding Secures Better Settlement Outcomes

    How Pre-Funding Secures Better Settlement Outcomes

    Pre-funding a structured settlement can expedite the closing process and safeguard favorable rates in fluctuating interest environments, benefiting all parties involved. Insurance companies often issue pre-fund refund letters, minimizing risks for defendants. This approach is particularly useful in complex court systems like New York, ensuring timely funding of settlements.

  • Felony Drug Charges for Former “Senior Financial Adviser” to “Structured Settlement Buyer”

    Nicholas Jackson, an Annapolis MO man once associated as a “financial adviser” with structured settlement buyers, faces felony drug charges in St. Francois County on January 6, 2016, according to Missouri Court records at Case.net. Jackson has served jail time several times since 2012.

  • Are Structured Settlements Really TAX-FREE?

    Are Structured Settlements Really TAX-FREE?

    The claim that structured settlements are “tax-free” is misleading. While most structured settlement payments are exempt from federal and state income taxes, other taxes, such as estate taxes and certain excise taxes, may apply. Advertisements must accurately convey these nuances to avoid deception according to federal regulations.