" Whether a change is motivated by choice or chance, there is a distinct pattern for how we humans internalize and respond to life-altering transitions".   -Sudden Money Institute

We Listen,   We Collaborate   and We   Co-Create

Our brand of settlement planning balances the personal and the technical sides of money, employing Sudden Money® protocols and tools in a humanistic process. We work collaboratively with people in transition to help them navigate a path toward making clearer and more confident settlement planning decisions.

Settlement Planning involves specialized skills in addition to listening, learning about a person's needs and goals by asking the right questions, providing education to enable clients to make informed decisions, and developing recommended strategies and solutions to help clients both maximize and protect their lawsuit recovery.

Through his expertise and experience, settlement planner John Darer can effectively assist clients in clarifying their objectives, especially during moments when the plaintiff recognizes the significance of the decisions to be made but may feel uncertain or overwhelmed. For example, the client

• may not find it easy to focus due to the emotional overlay from a protracted course of litigation;
• may not find it easy to focus because the grieving process is still too raw
• may initially lack the degree of sophistication necessary to identify a flawed approach when they encounter one;
• may feel overwhelmed by an enormous amount of pressure put on them by their attorney to make a decision;
• may be overwhelmed by competing interests within their own families;
• may not want to let go;
• may be affected by a combination of the above or other factors.

The use of an Expert Settlement Planner and a Certified Financial Transitionist is also beneficial to claims professionals.

The value of a humanistic approach in public relations should not be overlooked by claims professionals, insurers, defendants, and their attorneys. Understanding the settlement planning process and balancing the personal and technical aspects can enhance how insurance companies and defendants handle mediations and settlement discussions, whether in simple or complex litigation. These factors could influence your ability to close a file for your client, insured, or market. Hiring an expert settlement planner with financial transition expertise, or suggesting your adversary do so, can help keep the process moving smoothly. John Darer of 4structures.com LLC is a Registered Settlement Planner, a Master Structured Settlement Consultant, and one of only two Certified Financial Transitionists in the settlement planning and structured settlement field.

    What is a Settlement Planner?

A settlement planner is a member of the financial advisory team, acting as a trusted partner and expert resource. They provide advice, guidance, and assistance to design an optimal plan for the allocation and distribution of settlement proceeds for plaintiffs and attorneys. Additionally, they guide individuals and their attorneys through the settlement planning process and its implementation. Their expertise extends to personal injury settlements, wrongful death settlements in aviation, automotive, construction, medical malpractice, and maritime cases, as well as employment, intellectual property, and commercial settlements.

Read more about our settlement planning services.  Settlement planning involves an interdisciplinary approach.

John Darer®, President of 4structures.com LLC, holds an impressive array of professional designations, including CLU®, ChFC®, MSSC, CeFT®, RSP, and CLTC, reflecting his dedication to continuous personal and professional development. He became the first settlement planner in the United States to earn the Registered Settlement Planner (RSP) designation, granted by the Registry of Settlement Planners to individuals meeting stringent standards and ethical principles. Additionally, John is one of only two settlement experts to achieve the Certified Financial Transitionist (CeFT®) certification through the rigorous program offered by the Financial Transitionist Institute, a division of the Sudden Money Institute. His other notable achievements include Certified Structured Settlement Consultant (CSSC), Master Structured Settlement Consultant (MSSC), Chartered Financial Consultant (ChFC®), Chartered Life Underwriter (CLU®), and Certified in Long Term Care (CLTC).

Read a  Reprint of John Darer’s article on the subject of Settlement Planning   that was published in the Connecticut Law Tribune May 25, 2009 .

John Darer and those who have earned the Registered Settlement Planner designation show a serious commitment to the field of settlement planning through the completion of three graduate level courses offered through the Settlement Planning Education Center , developed in collaboration with the Texas Tech University Personal Financial Planning Division, and the preparation of a comprehensive settlement plan that must be vetted by the Registry of Settlement Planners Board and subscribing to the RSP Code of Ethics. Those who complete the Registered Settlement Planner (RSP) program should be able to:

• Demonstrate a mastery of the legal environment as it relates to planning for the needs of personal injury victims and their families
• Demonstrate a mastery of the financial planning environment as it relates to planning for the needs of personal injury victims and their families. 
• Demonstrate an understanding of the entire settlement planning process from defining the scope of the engagement to creating a settlement plan. 
• Demonstrate an understanding of the role of dissipation risk in a settlement plan. 
• Acquire knowledge of the ethical issues and practice standards faced by settlement planners. 
• Acquire the ability to practice in the area of settlement planning without supervision. 
• Develop a thorough understanding of the tax issues faced in settlement planning. 
• Prepare and present a written comprehensive settlement plan for a catastrophically injured client. 

At 4structures.com, LLC, We Know Settlement Planning®. We passionately believe that the settlement planning discussion should only be engaged with competent, properly trained and credentialed settlement planning experts.  

#personalinjurysettlementplanning  #settlementadviser  #settlementplanningguidance #settlementadvisor  #whatissettlementplanning  #settlementplanner

#settlementplanners  #NYsettlementplanning #ctsettlementplanning  #settlementplanner  #settlementconsultant  #settlementplanningexperts  #financialtransitionist  #settlementconsultants  #settlementplanningexpert #settlementplanningprocess  #personalinjurysettlementplanning  #settlementprotectionplanning #changemanagement #financialtransitionsplanning  #johndarersettlementplanning #4structuressettlementplanning #cocreation #Collaboration #Empathy #certifiedfinancialtransitionist

Last updated September 10, 2025