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About New York Structured Settlement Expert John Darer®

New York Structured Settlements  and Structured Judgments

New York Structured Settlement Experts   888-325-8640

John Darer® CLU ChFC MSSC CeFT® RSP CLTC

New York structured settlement expert John Darer® CLU ChFC MSSC CeFT® RSP CLTC is a 2018 A.M. Best Recommended Structured Settlement Expert (6th consecutive year)  To qualify, no fewer than eight professional references must be submitted , independently contacted, with the responses reviewed and verified by A.M. Best in order to qualify. John Darer® is a Certified Financial Transitionist (one of only 2 settlement experts to hold this credential) and member of the Financial Transitionist Institute, a  division of the Sudden Money® Institute,  with a keen interest in behavioral finance and financial psychology, having over 30 years of experience in financial services to offer his New York clients.  John was born in New York City at Mt. Sinai Hospital, has family roots in New York going back 130 years and graduating from Syracuse University, in Syracuse New York. 


4structures.com®, LLC is committed to providing New York lawyers and their clients with top notch structured settlement expertise, including an expertise with structured judgments under CPLR Articles 50A and 50B. We approach every client with a focus on integrity, reliability, compassion, and understanding. We're there for you when you need us!

4structures.com®, LLC  has consistently been voted one of "The Best" by the lawyer readers of the Connecticut Law Tribune, in 2006-2015 and 2017. The company won the Gold for the best structured settlement company in 2013 co-Gold 2014 and Top 2 in 2017.

4structures.com® LLC has also held an accredited A+ rating from the Better Business Bureau for over 13 years and was a NYSTLA Partner for Justice for more than a decade.


In addition to passing the FINRA Series 7. 63 and 66, John Darer® has earned the following


Professional Designations and Certifications earned by John Darer


Chartered Life Underwriter  (CLU) from the American College

Chartered Financial Consultant (ChFC) from the American College

Certified Structured Settlement Consultant professional certifications (CSSC)

Master Structured Settlement Consultant  (MSSC), both developed by the NSSTA in conjunction with the  Stayer Executive Education Center at the University of Notre Dame,

Certified Financial Transitionist (CeFT®) program at the Financial Transitionist Institute, a division of the Sudden Money Institute

Registered Settlement Planner  (RSP), through Texas Tech University and the Registry of Settlement Planners

Certified in Long Term Care (CLTC) through the Corporation for Long Term Care, Inc. 


John Darer's broad background in structured settlements, mediation and post trial support   (e.g. CPLR 50A and 50B calculations and projections), diversified financial planning and his significant practical experience, combined with Sudden Money training and experience working with people going through life transitions, brings a valuable asset to the table for his clients.

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John Darer® is the producer of Talking Settlement™, an online legal, insurance and financial channel established in June 2016 that aims to engage viewers with high quality educational content about all aspects of settlements and "talking settlement" with insurance and financial experts across a wide spectrum of topics.  From 2009-2016 John Darer® was a subject matter expert commentator on Sequence Media's Legal Broadcast Network and has created and/or appeared in over 140 videos and audio podcasts. Watch some of John Darer's videos . John Darer is a prolific writer and structured settlement industry thought leader, having personally authored over 4,775 blog posts, had four articles published by the Connecticut Law Tribune in 2015, two in 2016  and is now in his 12th year as the Structured Settlement Watchdog®, with a writing style that is informative, irreverent and effective.  John also enjoys copywriting and writes and produces many of the 4structures.com LLC commercials.

In addition to being a  New York structured settlement expert, John Darer®  also provides structured settlement expertise, Sudden Money® transition expertise and comprehensive settlement planning services to New York based clients with legal matters, or centers of influence, located outside of  New York. He holds insurance licenses in New York and the states of  AZ, CA, CO, CT, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MN, NC, ND, NE, NH, NJ, NM, NV, OH,  OR, PA, SC, TN, TX, RI, VA, VT, WA, WI, WV, and Washington DC.