What does money mean to you? For many it means having enough money to keep paying your bills, medical bills, insurance premiums, deductibles and co-pays, to maintain or improve your standard of living, especially amplified for injured people and their families, or those that have lost a breadwinner through disability, job layoffs, business closures or death and they seek certainty. But it also could be a personal injury lawyer or law firm looking to defer legal fees with the goal of stabilizing income to expenses or keeping their retirement plans on track.
"At your greatest time of need, not only if you’re the one who has suffered and you’re the one who is injured, and obviously you need help and the one to be taken care of with your family, and the emotional toll it takes on your family, if you think that when you’re at the most emotional low and physical low of your life and if you think you have what it takes to handle that which can literally keep you going for the rest of your lives, I’m here to tell you YOU DO NOT. So let somebody help you. Let us help you. Let us protect you. And let us make sure that everything works, financially speaking simply by doing that which would protect you which is a structured settlement". Suze Orman, former financial advisor, author and podcast host October 2021
Nobel laureate William Sharpe, 88, has called "decumulation," or the use of savings in retirement, “the nastiest, hardest problem in finance.” If that's nasty, making a lump sum settlement last might be a nastier problem.
"Future retirees are going to need retirement income solutions that can provide spending confidence—for both essential spending needs and more discretionary “wants”—and insurance solutions can play an important role within an integrated retirement income and investment strategy"-Blackrock 2024
A whopping 84 percent of Americans say that recent market volatility has made it all the more important to have guaranteed income in retirement Greenwald Research 2024 Retirement Confidence Survey Figure 9
A similar need for a certain amount of income guarantees holds true for injury victims and others who cannot put all their money at risk.
During the Pandemic era, a wave of "guaranteed income” programs emerged that experimented with providing people no-strings-attached cash every month. The general goal is to lift people out of poverty. [see Bloomberg City Lab by Sarah Holder and Brentin Mock July 8, 2021].
Structured settlement yields remain competitive at all durations and continue to represent a safe allocation in your personal injury settlement plan, structured installment sale, employment settlement or commercial claim for providing streams of guaranteed income that you need. If you haven't given structured settlements a look in a few years, it's worth giving structured settlements a fresh look now. Life insurance companies that issue structured settlement annuities, funding agreements and are highly regulated in each of the states that they do business. Multiple insurance companies issuing structured settlement annuities have been in business since the 19th Century.
In addition to traditional fixed stuctured settlements, there are interest rate linked structured settlements, indexed linked stuctured settlements (both capped and uncapped) and market based structured settlement solutions.
4structures.com® LLC is an AM Best Client Recommended Structured Settlements Expert for 2024, Settlement Adviser and a provider of a wide range of settlement planning and financial planning products and services. 4structures® brings Sudden Money® expertise, protocols and tools to parties in all types of claims and litigation that take away the complexity, improve engagement and help facilitate case resolution. John Darer, 4structures.com President, is one of only two Certified Financial Transitionists in the structured settlement and settlement planning space, in the United States.
4structures.com LLC provides innovative customized tax-free and tax deferred fixed and market based periodic payment settlement solutions for personal injury, wrongful death, wrongful incarceration, aviation, medical malpractice, auto, construction, employment and workers compensation claims, via structured settlements, periodic payment reinsurance, funding agreements, terminal funding contracts, disability policy buyouts, life care funding and other customized financial planning solutions, such as special needs trusts, settlement management trusts, medicare set aside arrangements and qualified settlement funds as well as a variety of insurance services
We're here to help, to patiently listen to the needs of our clients, be an objective settlement adviser, help to facilitate a smooth integration of settlement tools and give the personal attention that our clients deserve.
Last updated March 17, 2024
Have a question about structured settlements or settlement planning? I'm here to help. Call John Darer at 888-325-8640, or send me a message and I'll be in touch
4structures.com, LLC
The Structured Settlements and Settlement Planning Company
43 Harbor Drive, #309 Stamford, CT 06902 USA
888-325-8640
646-849-1588
New York City (Manhattan, Bronx, Brooklyn, Queens, Staten Island), Westchester(NY), Nassau County (NY) , Suffolk County on Long Island (NY), Albany County (NY), Oswego County (NY), Steuben County (NY), Broome County (NY), Onondaga County (NY), Monroe County (NY), Fairfield County (CT), New Haven County (CT), Hartford County (CT) New London County (CT), Tolland County (CT), Litchfield (CT), Middlesex (CT) , Bergen County (NJ), Middlesex County (NJ), Ocean County (NJ)
Structured Settlement Experts and Settlement Planning Consultants for settlements from claims or lawsuits arising out of Aviation accidents, Medical Malpractice, settlements involving Serious Personal Injury, Wrongful Death, Wrongful Incarceration, Employment, Civil Rights, Discrimination of any type, Auto accidents, Motorcycle accidents, Maritime accidents, Workers' Compensation, Product Liability, Real Estate Liability, Construction Defect claims or lawsuits, Landlord/Tenant,
Property, Attorney Fee Deferrals, Funding Agreements, Structured Installment Sales, Environmental Liability and Commercial Dispute settlements.
Structured settlements and structured settlement brokerage, settlement planning, Sudden Money®, financial transitionist, funding agreements and insurance related services provided by 4structures.com LLC.
Financial Advisory Services provided through Groove Financial Advisors , LLC, and its service partners.
Fiduciary services, including the custody and administration of trusts provided via service partners.
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 securities MAY lose value.
4structures (USPTO Reg. 4640532) , 4structures.com (USPTO Reg. 4640531) , We Know Structured Settlements (USPTO Reg. 3089738),
Because Certain Sells (USPTO Reg. 6237309) and We Know Structured Sales (USPTO Reg. 3490489), are Registered Trademarks of 4structures.com LLC.
John Darer is a Registered Trademark of John Darer (USPTO Reg. 4674907)
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