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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Category: Structured Settlement Investments
Structured settlement investments are structured settlement receivables, payments not yet received from a structured settlement, that are assigned to investor via a Receivables Purchase Agreement and court order
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The MJ Settlements brochure misleadingly promotes factored structured-settlement payment rights as “Secondary Market Structured Settlement Annuities,” creating a false impression of insurer backing and protection. This misrepresentation exposes retirees to significant risks, as they believe they are purchasing regulated annuity products when they are not. Clarity and accurate terminology are essential.
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Private credit has surged into a multi-trillion-dollar market, with insurers heavily involved, raising concerns about their investment stability. Key risks include liquidity issues and valuation challenges linked to opaque assets. The implications for structured-settlement payments necessitate vigilance from annuitants and investors regarding their insurer’s financial health and asset exposure.
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Todd Lesk Permanently Barred from FINRA but Lists FINRA on LinkedIn as “Licenses and Certifications”
Todd Michael Lesk, CEO of MJ Settlements, was permanently barred from FINRA on October 6, 2023, prohibiting any affiliation with broker-dealer firms. Despite this, he continued to display invalid licenses on LinkedIn. The situation raises concerns about misrepresentation in marketing structured settlements. The blog highlights these discrepancies.
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The article critiques the misleading advertising of Secondary Annuities, equating purchasing structured settlement receivables to buying a used luxury car. It stresses that these receivables aren’t true annuities or insurance products. Additionally, buyers may face risks due to a lack of state protections and potential involvement in “slice and dice” arrangements.
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The content critiques MJ Settlements’ notion of “Trust” while highlighting its complexities and risks. Trust is essential for societal cohesion and economic transactions. It questions the credibility of MJ Settlements’ claims regarding their products being supported by insurance companies, juxtaposing this with concepts of truthfulness and reliability in trust dynamics.
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Less than two years after Todd Lesk was permanently barred from FINRA in October 2023, MJ Settlements, a Coral Springs-based company led by Todd Lesk as CEO, continues to falsely claim on its website that it offers structured settlement annuities.
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Litigation over structured settlement receivables began in the early stages of the Pandemc and touched on issues related to reassignment of the receivables.
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Structured Wealth Strategies “intricate tapestry” presentation is fundamentally inaccurate and should not be relied upon by an investor considering buying an investment in structured settlement receivables. A “stitch in time” from the Structured Watchdog in response.
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It is a scam because investors cannot buy structured settlement annuities. Annuitants cannot sell them either, because they don’t own the underlying annuity. It is generally owned by a qualified assignment company. Investing means you sign a Receivables Purchase Agreement not an annuity application.
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Investors, financial advisers and insurers of financial advisors should be mindful of a crucial provision of the 2017 Life & Health Guaranty Associations Model Act (#520) which has been adopted by the majority of the United States when evaluating the suitability of structured settlement receivables as investments.