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: Wealth Preservation

  • Obama Estate Tax Deal Reached with Republicans!

    President Obama has brokered a broad tax deal with Congressional Republicans that includes a reinstatement and two-year extension of the estate tax that would provide a $5 million exemption for individuals at a 35% tax rate. While no legislative language has been produced and details of the package remain subject to change, we are optimistic…

  • Prevent Lottery Winners From Ending Up Losers: Give Them More Options

    Lottery winners need an option to allocate a portion of their prize to an annuity, allowing them to enjoy stable income while adapting to their newfound wealth. Options could include all cash, all annuity, or partial annuity choices like 1/4, 1/3, or 1/2 annuity, offering the flexibility for a reasonable decision.