4structures.com® LLC
John Darer®
CLU · ChFC · MSSC · CeFT® · RSP · CLTC
John Darer is one of New York's most credentialed and experienced structured settlement consultants, with over 40 years in financial services and more than 30 years focused on structured settlements and settlement planning.
As founder of 4structures.com® LLC, John serves personal injury plaintiffs and their attorneys throughout New York State — from Manhattan and the Five Boroughs to Long Island, Westchester, and Upstate New York.
Call 646-849-1588Philosophy & Approach
As a Certified Financial Transitionist (CeFT®) — one of only two in the entire structured settlement industry — John Darer brings Sudden Money® protocols and tools to New York personal injury cases. This means balancing the deeply personal, emotional side of a major financial transition with rigorous technical expertise in annuities, tax law, and settlement planning.
John's philosophy is straightforward: every client deserves the same level of dedication, whether their case is large or small, young or old. A structured settlement is like getting a paycheck from a job you can never be laid off or fired from — and John's job is to make sure every client understands their options and receives the best possible outcome.
As an independent consultant, John is not captive to any single insurance carrier, which means clients receive objective analysis and access to the full range of structured settlement options — including fixed annuities, Index Linked Structured Settlements, and Treasury-Funded Structured Settlements.
Professional Credentials & Designations
The gold standard designation in life insurance and estate planning, requiring rigorous coursework in insurance, taxation, and financial planning.
An advanced financial planning designation covering investments, retirement, estate planning, and risk management.
The highest professional designation in the structured settlement field, held by only a small number of practitioners in the United States.
Recognizes expertise in helping clients navigate major financial life transitions. John is one of only two CeFT® holders in the structured settlement industry.
A professional designation for settlement planning practitioners committed to ethical, client-centered structured settlement consulting.
Recognizes expertise in long-term care planning — directly relevant for settlement recipients with ongoing medical and personal care needs.
Career Highlights
Began career in financial services, building a foundation in life insurance, annuities, and financial planning.
Earned FINRA Series 6 license (1984) and Series 7 General Securities Representative license (1985).
Wrote first structured settlement on a medical malpractice case, beginning a specialization that would define the next three decades of his career.
Earned Chartered Life Underwriter (CLU) designation in 1990 and Chartered Financial Consultant (ChFC) in 1991 from The American College of Financial Services.
Transitioned focus to structured settlements, working with personal injury plaintiffs and attorneys throughout the New York metro area.
Expanded practice to cover complex taxable damage structuring and attorney fee structures, serving plaintiffs and attorneys across the New York metro area. Started the Structured Settlements 4Real Blog. structuredsettlements.blog
Earned CeFT® credential from the Sudden Money® Institute, becoming one of only two structured settlement consultants in the country with this designation. Founded 4structures.com® LLC.
Perennial listing in A.M. Best Client Recommended Structured Settlement Expert Service Provider — a distinction maintained every year since 2013.
Earned MSSC designation — one of the first in New York — the highest professional designation in the structured settlement field.
Serving plaintiffs and attorneys across all of New York State with over 40 years in financial services and 30+ years in structured settlements and settlement planning.
Media & Industry Recognition
John Darer has been quoted and cited as a structured settlement expert by leading financial and legal media outlets, including:
John's Sites & Publications
Work With John Darer
Whether you are a plaintiff attorney seeking structured settlement quotes and analysis, or a plaintiff navigating a major financial transition, John Darer is available for a no-obligation consultation.