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: Truckee Structured Settlements

Paymaster.co | Chocolate Chip Cookie Lover’s Website Still Can’t it Right on Structured Settlements

August 22, 2025

Structured settlement annuity company. Regardless of whether an individual identifies as an agent, broker, settlement planner, financial planner, structure yogi, or “la vache qui rit” an insurance license is required to place structured settlement annuities.
Structured Settlement Article | “Expert Reviewed” Holey Moly in Forbes Advisor

July 13, 2024

John Darer reviews a recent Forbes Advisor inaccurate “Expert Reviewed” structured settlement Holey Moly by a UCLA law professor, only 4 Months after publishing Jeremy Babener’s excellent Forbes Advisor contribution about structured settlements which had multiple credible sources.
California Structured Settlement Factoring Scam to Watch Out For

March 3, 2022

California residents with structured settlements may receive a solicitation titled “Structured Payment Analysis for California State Settlement Recipients”. They’ve supposedly done an annual review but appear to know nothing definitive. Yet it’s “urgent” you call them. It’s a scam.
What is a Structured Settlement Broker? Structured Settlement Broker 2026

March 16, 2019

A structured settlement broker is a licensed and regulated professional who provides professional advice and places structured settlement annuities and may provide fianncial advice and placement of financial vehicles pursuant to professional licenses.
CA Structured Settlement Broker Ad Leads to Millions of Creators of Intricate Structures

January 1, 1970

Under the cover of a company marketing video, the subject structured settlement broker targets “surviving spouses and ‘dependants’ “. At first blush it appears to be just a funny typo, but no… apprarently…it identified millions who collaborate to create intricate structires!
California IPA | $1,500 for “Holey” Structured Settlement Independent Professional Advice?

January 1, 1970

It’s disappointing when so-called experts providing independent professional advice on structured factoring transactions, don’t articulate their business properly. How can any consumer feel confident in such IPA when you consider the following, from a California Structured Settlement IPA?