John Darer® is a well-known structured settlement expert, Sudden Money® Advisor , registered settlement planner, licensed insurance agent and thought leader, who is listed in the 2015 A.M. Best Recommended Expert Service Providers for structured settlements. John Darer® has the gift of being able to break down complex financial ideas and concepts and articulate them so that people can actually understand them! Drawing on over 30 years of practical hands-on settlement consulting and financial services experience, John Darer® assists domestic and international clients and counsel in some of the most complex cases in aviation, personal injury, medical malpractice, environmental, transportation and maritime, employment, divorce and commercial litigation. John’s diverse background brings a valuable asset to the table for his clients, whether providing assistance at mediation, during discovery, post settlement, or "on the fly" New York CPLR Article 50A or Article 50B projections and analysis, or managing transition stress. With in-depth and ongoing training from the Sudden Money® Institute’s Certified Financial Transitionist (CFT) program, John Darer® is uniquely equipped to guide you through both life impacting financial decisions and the emotional challenges that are part of financial transitions that can temporarily dilute decision making skills at a critical time.
Education and Professional Certifications and Designations
Syracuse University School of Management, Bachelor of Science in Marketing
Chartered Life Underwriter (CLU) American College
Chartered Financial Consultant (ChFC) American College
Certified Structured Settlement Consultant (CSSC) NSSTA professional certification, in conjunction with University of Notre Dame
Certified in Long Term Care (CLTC) Corporation for Long Term Care, Inc.
FINRA Series 7, 63, 66
John Darer® is a prolific writer, having published over 4,155 times since late 2005. Structured Settlements 4Real®blog is a leading source of structured settlement information and news and expert opinion, including settlement planning issues/ ideas, alternative deferred payment solutions, The Structured Settlement Watchdog® commentary and exposes that may be helpful to attorneys, plaintiffs, claims adjusters, judges, the news media, sellers and buyers of structured settlement payment rights and interested others. The style is Informative, irreverent and effective! Structured Settlements 4Real® has consistently been ranked in or about the Top 70 "All Time" legal subject matter blogs by Justia in a survey of over 3,000 "blawgs" and has several times even cracked the Top 30.
In the Structured Sales Authority blog he addresses issues about structured sales and topics related to the growing area of disposition of real estate or businesses through structured installment sales.
He also publishes the Income Planning Blog News and ideas about income annuities and other periodic payment solutions of interest to those who need or want stable, lasting income.
John Darer® is a structured settlement expert commentator on The Legal Broadcast Network since 2009 and has developed the content for, and appeared, in over 85 video podcasts, many of which can be seen on 4structures.com YouTube Channel , on YouTube or throughout the 4structures.com website.
Other Prior publications include the AIA Binder (01/00), "Structured Settlements: You Save, They Prosper" in International Risk Management magazine (2/95) and the Vermont Captive Chronicle (10/93).
He has on numerous occasions addressed trade associations within the structured settlement industry and was a speaker on the subject of structured settlements at the annual meeting of the VA and WV Bar Associations in July 2003, the Aviation Section of the Tort Insurance and Trial Practice Section of the American Bar Association in November 2005, the ALIS in January 2011 and the Connecticut Bar Association as part of a comprehensive program on Medicare Set Asides, also in 2011. In April 2013, John spoke about Long Term Care planning at the annual meeting of the Society of Settlement Planners and in January 2014 addressed aviation lawyers on "The Challenges of Working With Plaintiffs and Others in a Sudden Money® Environment"
He has been consulted and advised numerous claimants, attorneys, corporations, insurance companies, syndicates, and government entities on issues concerning structured settlements, economic damages and transfer of risk in the domestic, London, French and South American insurance markets.
John Darer ® is a member of and has served on the Branding, Technology, Education, Public Relations, Broker Relations and Long Range Planning Committees of the National Structured Settlement Trade Association ("NSSTA"). In 2006 and 2007 John was among those presented with the NSSTA award for outstanding leadership and service to the industry. In addition, he is a member of the Society of Financial Service Professionals ("SFSP") , the Aviation Insurance Association, American Association of Long Term Care Insurance ("AALTCI")and a Charter Member of the National Alliance of Medicare Set-Aside Professionals ("NAMSAP").
John Darer® supports and promotes high standards of excellence, ethics and improved financial literacy by promoting education about structured settlements, the settlement planning process and litigation recovery management to parties in litigation, insurers, lawyers, the judiciary and the maintenance of an accredited professional standard designation for the settlement planning industry. John Darer®'s thirst for learning never ceases. In a desire to maintain knowledge leadership he recently completed the classroom phase of the NSSTA Masters Certificate in Settlement Consulting (MSSC) at the Stayer Center for Executive Education at the University of Notre Dame and is working on his paper. John is also currently working towards the Chartered Healthcare Consultant (ChHC) and Chartered Special Needs Consultant (ChSNC) designations through The American College as part of an ambitious continuing education program. John has set an ambitious 10 year goal to earn a PhD in Financial Services. John Darer® is a member of the American Association of Persons With Disabilities (AAPD) Power Circle.
Holds insurance licenses in States of AL, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NY, NV, OH, OR, PA, SC, TN, TX, RI, VA, VT, WA, WI, WV and the District of Columbia.
Florida License: A061450
California License: 0761076
Louisiana License: 263021
Other license numbers available upon request Email
When not assisting clients, John enjoys boating day or night, golf, pilates, gourmet cooking, traveling, reading, blogging, the arts, is a long time professional soccer fanatic, lover of music and enjoys a variety of other interests, including DJing.
"John is by far and away the best structured settlement consultant i have worked with in over thirty years"-Attorney client May 2012
"Thank you for being a strong advocate for integrity in our business"-Competitor
"John is absolutely top notch and is a subject matter expert in his field. He is pleasure to work with, wise and creative"-Attorney client January 2015
"John, I can't thank you enough for assisting me with my Structured Settlement dilemma. You took the time and made my case a priority. Your expertise and knowledge allowed you to be an advocate for me as I was struggling with a big insurance company and getting the run around. Knowing you were in my corner, supporting me gave me faith that the matter would be resolved fairly. I don't think you would have accepted any other outcome. You were a huge help, and I am truly grateful "-April 4, 2015
"Once again, I can't tell you how appreciative I am for your help. In today's day and age, it is rare that you actually find people who are willing to go the extra mile..."-TC May 5, 2015
4structures.com, LLC, The Structured Settlements and Settlement Planning Company 43 Harbor Drive, #309 Stamford, CT 06902 USA
Securities and Insurance Products are NOT Insured by the FDIC, nor by any other Federal or State Government Agency,
are NOT a Deposit of and are NOT Guaranteed by a Bank or any Bank Affiliate, and MAY lose value.
Brokerage services offered through CertusSecurities, Inc., Member FINRA and SIPC. Accounts carried with National Financial Services LLC, a Fidelity Investments Co. Financial Advisory services offered through Advocacy Wealth Management Services, LLC. Fiduciary and custody services may be offered through CertusWealth Trust, a division of CertusBank, N.A. or a third party entity. Insurance products offered through 4structures.com LLC. Certus Bank and CertusSecurities are subsidiaries and trademarks of CertusHoldings, Inc.