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: Taxes and Structured Settlements
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A company called Rescue Capital wants you to cash out your structured settlements with the justification being this piece of “donkey dung”: “Interest rates offered five years ago by insurance companies for structured annuities are not much better than they are now. Add to that the fact that it is not certain that tax rate…
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Eliminate or reduce “shrinkage” of your personal injury, wrongful death lawsuit or employment related lawsuit recovery by using structured settlements
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MORE TAXES+ GREATER INTRINSIC VALUE FOR NEW AND EXISTING STRUCTURES, even in a low interest rate environment. Check out the taxable equivalent yield chart at 4structures.com and see how that “puny 3% rate of return”, “ain’t too shabby” if you’re in the 40% tax bracket.
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The Patient Protection and Affordable Care Act ( “Obamacare”), signedinto law March 2010, levies an 3.8% tax on annuity payouts that high-income earners purchase outside of the workplace. High income earners include single taxpayers earning in excess of $200,000 and married taxpayers earning over $250,000.
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The new website of John Bat’s Plaintiff Settlement Solutions Incorporated (“PSSI”, pronounced “Pissy”) is NOT one of “life’s moments that takes our breath away”. As Will Smith might have paraphrased back in the day, time to start “gettin’ pissy with it”
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Today's financial literacy lesson concerns structured attorney fees, specifically where one of my industry colleagues flubs his lines when describing why to do them. He says "For married couples who file their taxes jointly under the present law, the highest marginal tax bracket surpasses 30 percent. A lawyer, who would have under normal circumstances earned a…
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The Obama administration seeks to raise nearly $60 billion by closing loopholes according to various news reports on May 11, 2009. These potential loophole closings have a potentially significant impact on settlement industry stakeholders . "Another Loophole closing?" The tax "garrotte" includes items related to the estate tax, and also revived a bid to cap itemized deductions wealthy individuals…
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Whistleblower damages are essentially taxable so by taking a lump sum you are screwing yourself twice. You get less for the privilege of instant gratification and then, unless you have offsetting tax deductions, you keep less because you only have the net after tax amount to consume.
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Attorneys can stabilize cash flow and build up a sizable retirement income portfolio by layering multiple structured attorney fee annuity contracts. Even a small structured attorney fee annuity now can make a difference down the road.
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Don’t kill the client’s ability to do a structured settlement. Avoid torching all your hard work after a long day of settlement negotiations at mediation by blowing it on flawed “cookie cutter” settlement documentation! Be mindful of the constructive receipt doctrine