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: structured settlement factoring transaction

  • Factoring Industry “Financial Planning” for Tort Victims

    I’m quite confident that the aforementioned level of documentation in a financial adviser or lawyer’s file would not even pass “the smell test” in terms of adequacy of effort to determining a client’s needs, much less whether or not the structured settlement factoring transaction would be in their “best interest”.

  • Structured Settlement Factoring Referral Compensation: “Have It Your Way”

    Apparently bogarting the marketing strategy of that famous fast food chain one of the newest factoring entrants has been responding to compensation questions about referral fee compensation with what amounts to "have it your way". You can name your compensation. I heard this only this week from one of my industry colleagues. It is well…