Financial transition expertise matters in personal injury settlement planning, and we have it

Change is inevitable. We do critical work to help personal injury settlement planning clients and other settlement planning clients manage change. Our settlement planning services are delivered through a process that increases overall client satisfaction through education, client empowerment and collaboration and ensures that the plaintiff and their attorney have meaningful advice when it comes to planning the disposition of their settlement proceeds and their futures. Work with John Darer, one of only two Certified Financial Transitionists  (CeFT®) in the structured settlement and settlement planning industry.

Settlement planning is a proactive process. Plaintiffs and plaintiff lawyers who engage their own settlement planning expert and settlement consultant come out ahead. Lawyers can also help limit potential liability related to settlement and dissipation issues through file documentation that we provide. 

We can provide trusted financial guidance and planning strategies before, during, and after a settlement, to help ensure a lifetime of financial security. We can provide Education and Training to Partners in law firms and their associates

Settlement Planning Expert Services Pre-Settlement

• We employ Sudden Money® financial transitionist protocols and tools to help prepare clients to make effective financial decisions when the time comes to do so. 
  
• Develop financial and capital needs analyses for plaintiffs (and lawyers who want to structure attorney fees)
• Calculate actual present value cost 
• Consider impact of the settlement on public assistance (SSI, Medicaid and Medicare) and/or private benefit programs together with other advisors
• Apply for and track rated ages based on impaired life expectancy which improve "for life" structured settlement annuity cost
• Consider planning issues such as estate and/or income taxes and/or replacing caregiver(s) unique to each case.
  
• Design creative settlement proposals to match the claimant’s need and integrate with overall settlement or financial plan 
• "Shop the market" for the most competitive structured settlement annuity benefits 
• Consider annuity issuer diversification opportunities or alternative permissible qualified funding asset (i.e. US Treasury Bond Trust), market based structured settlements and other suitable alternatives.
  
• Exposure based negotiating. Add depth beyond the comparable verdicts, which may not tell the full story.
• Structured Judgment cost analysis. New York CPLR Article 50A or CPLR Article 50B projections or judgment calculations for medical malpractice and personal injury, providing the answer to the question "What will it really cost based on a set of damages variables?" Illustrate the likely dollar exposure not just the sustainable verdict.
  
• Run "Monte Carlo" cash flow simulation programs if needed to help client gain better understanding of risk
• Strategic problem solving and research 
• Provide education and learning resources for plaintiffs and their lawyers

Settlement Expert Services Provided Concurrent with Mediation and Settlement

• Mediation support. In-person or virtual attendance and availability for consultation at mediations, pre-trial conferences and, in NY, for post trial 50-A and 50-B hearings. Will travel. Have participated in mediations across the USA.
• Evaluate structured settlement offers from opposite side(s)
  
• Negotiation support (if needed) 
• Customized settlement planning solutions
  
• Avoid constructive receipt  
• Offer full structured settlement annuity, non qualified assignment (sometimes referred to as "non qualified structured settlement") and United States government bond structure program placement   
• Offer resources and help with the implementation for all types of settlement trusts, with institutional trustees or custodians  through our professional relationships 
  
• Provide financial and subject matter expertise 
• Provide experience based vision and answers to the logistical questions of "How?" and "Why?" in documentation and funding when there is a global settlement and funding is coming from multiple defendants and/or insurance companies.
• Attorney fee deferral e xpertise for contingency fee lawyers
• Structured Medicare Set Aside
  
• As a resource to lawyers, provide review of lawyer prepared documents, and/or instructions and guidance for completion of settlement documents, when case resolution involves a structured settlement or non qualified assignment. 
• Coordination with other financial and legal advisors as part of a community of practice. We accept referrals.
• Provide Structured Settlement Affidavit or Declaration.
  

Post-Settlement Services

• Ongoing Sudden Money® financial transition work, post settlement financial counseling and wealth orientation
• Attorney/claimant communication 
• Coordinate receipt of future periodic payments
• Reliable source of general financial information for claimants. For those that need it, we can help you find what you need to find. 
• Placement of trust and other financial products needed to achieve client objectives (if desired)

To the extent legally possible our services are usually provided at no cost to you or your client. As licensed brokers, we are entitled to receive commissions directly from placing or co-brokering structured settlement annuities from the life insurance companies issuing the structured settlement annuities.  Other products or services may carry a commission or a fee. If there are any costs associated with any other related service, or financial product, they will be disclosed.  

Don't wait until the last minute to engage us on your important case!

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Last updated December 27, 2023