ABOUT 4STRUCTURES.COM LLC

A Tree of Knowledge to Share

Along with Experience, Skills, Competence and a Humanistic Approach

4Structures.com Settlement Experts

About 4structures®

Independent Settlement Planning for Life’s Most Important Transitions

4structures® is an independent settlement‑planning firm built on a simple belief: people deserve clarity, protection, and honest guidance when the stakes are highest. Since 2000, we’ve helped plaintiffs, attorneys, fiduciaries, and claims professionals design settlement strategies that create long‑term financial stability — without carrier pressure, sales quotas, or hidden agendas.

Our work blends structured settlement expertise, Sudden Money® transition planning, and a long‑standing commitment to industry transparency. The result is a planning experience that protects both the financial and emotional dimensions of a major life event.

What We Do

Settlement Planning & Structured Solutions

We design customized, tax‑advantaged income strategies that support long‑term financial security.

Our work includes:

Structured settlements
Structured attorney fees
Structured installment sales
Market‑based structured solutions
Qualified Settlement Fund (QSF) planning
Settlement preservation and special needs trust coordination

Every plan is built around the client’s needs — not a carrier’s product shelf.

A Transition‑Focused Approach

Major settlements are more than financial events; they are life transitions.

As a Certified Financial Transitionist® (CeFT®), we integrate Sudden Money® protocols to help clients navigate the emotional, cognitive, and practical challenges that accompany a significant change in circumstances.

This approach ensures clients don’t just receive a financial plan — they receive a framework for making thoughtful, grounded decisions during a vulnerable moment.

A Voice for Integrity in the Industry

4structures® publishes the Structured Settlements 4Real® Blog, one of the longest‑running and most widely read watchdog platforms in the field. For over two decades, we’ve exposed misleading practices, clarified credential misuse, and pushed for higher standards across the industry.

Our advocacy has contributed to:

Greater credential transparency
Improved consumer awareness
More ethical marketing practices
Industry‑wide reforms
Providing clarity and informed responses to counter misinformation wherever it appears

We believe sunlight is the best disinfectant — and that informed consumers make better decisions.

Who We Serve

We work with:

Plaintiffs and families navigating life‑changing events
Trial attorneys seeking independent settlement expertise
Fiduciaries, trustees, and guardians ad litem
Claims professionals and insurers
Financial advisors and family offices seeking specialized support

Our role is to bring clarity, structure, and stability to complex situations.

Our Promise

We protect people from bad decisions at the worst possible time.

That means:

Independent advice
Transparent processes
Evidence‑based planning
Straight talk, even when it’s uncomfortable

Clients trust us because we tell the truth, we do the work, and we stand behind every recommendation.

A+ BBB Rating • Established 2000 • Stamford, Connecticut

For more than two decades, 4structures® has been a steady, principled presence in the settlement‑planning world. We remain committed to helping people build financial futures they can count on — and to raising the standards of an industry that affects some of the most vulnerable individuals.

Click here for settlement consulting expert services menu for claims professionals, insurers, government agencies and counsel.. Either way our humanistic approach honed through John Darer's certification as a Certified Financial Transitionist, a credential unique to only two individuals in the structured settlement and settlement planning industry, in-depth analysis, comprehensive settlement planning advice, tenacity and knowledge of simply how to "get it done" gets results.
The 4structures.com, LLC web site has a wealth of searchable information and perhaps the structured settlement industry's most comprehensive glossary of structured settlement terms, words and phrases, including terms for settlement planning, financial planning, deferred compensation and other terms relevant to settlement issues facing our clients, prospective clients, and their lawyers.
4structures.com, LLC primarily serves accounts throughout the United States and international clients on their risks in the United States. However, some consultants may serve clientele in other international jurisdictions. 4structures' John Darer worked on what is believed to be the first structured settlement concluded in Argentina.
In the settlement arena, with a broad geographical presence, through our affiliation with Summit Structured Settlements and through proprietary quoting technology that quickly identifies a structured annuity issuer’s ”sweetspot” for segmentation/diversification of benefits.
We welcome any feedback that would help us further understand your needs and help us to serve you better.
4structures.com, LLC accepts referrals from other licensed financial professionals, firms and financial advisors on a case by case basis. We respect your client relationships on referrals where there is overlap in the insurance services area.
4Structures.com®, LLC will consider project specific joint ventures and strategic alliances with other financial advisors, settlement professionals and firms with complementary skill sets and credentials.